Certificates Of Deposit

Bankrate provides comparison tools, educational content, and the latest rate news to help you find the best CD offer.

Explore CD basics

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

Stay updated on CD rate trends

DAILY

Today's CD rate news

Explore the highest CD rates by term every weekday and learn how economic trends can affect your rate.

CDS

CD rates forecast for 2024

CD investors continue to benefit from strong yields, while inflation gradually slows. Here's what you need to know before the year ends.

CDS

Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

WEEKLY

Current CD interest rates

Read up on top available rates and national average trends over time from Bankrate’s weekly survey of banks and credit unions.

Weekly CD Rates

Bankrate consistently has offers well above the national average to help you earn more on your savings.

See our top CD rates

Bankrate Partner Average

The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 09/15/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.97^%_APY

National Average

2.03^%_APY

Experts in all things banking

Our expert writers and editors bring you timely news and reliable information - backed by data and first-hand experience.

About Bankrate's team

Greg McBride, CFA

Chief Financial Analyst

Sarah Foster

Principal U.S. Economy Reporter

Mark Hamrick

Senior Economic Analyst

Calculate your estimated CD earnings

Enter your deposit amount along with the term and APY of the CD you are considering. See how much you could save when your CD reaches maturity.

Learn more

Latest articles

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

These CD specials help you earn more money on interest without taking on risk.

Find out what happens to CDs that are set to mature.

Add-on CDs can offer more flexibility than a traditional CD.

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

A collection of assorted items: old analog alarm clock, padlock, keys, a check, a hand holding cash

CDs often pay better interest than savings accounts and can amp up your nest egg.

Everything you need to know about opening an account.

Although it depends, be mindful of the CD’s terms and how it meets your money goals.

Fed Chair Jerome Powell speaks at Fed press conference

The higher rates rise, the more Fed watchers wonder: Is the Fed about done?

Aerial view of the houses in the suburban areas in Sayerville, New Jersey, USA

The downgrade of U.S. debt created one more reason for mortgage rates to stay at a peak.

Fed Chair Jerome Powell speaks at a press conference after the June rate-setting meeting

The real question is: What will the Fed’s next moves be?

Young forlorn woman sitting down with a suitcase packed

Hit with mounting housing woes, young people ask: Wait it out or make a sacrifice?

Man in a yellow construction jacket and hard hat

Experts, however, still don’t see a labor market as tough as it was during the pandemic.

Woman walking throw a bunch of floating produce items and cash

While the worst of inflation may be over, the battle hasn’t yet been won.

Sign of Wall St, a man falling down, a bundle of cash

A recession hasn’t happened yet, but it’s likely still coming, economists say.

Economists are taking the Fed at its word, penciling in more rate hikes.

Image of Jerome Powell speaking from the Federal Reserve podium.

A tough mix of rising prices and weak hiring is leaving the Fed with no easy way out.

People walk by a Western Union location in New York.

Wire transfer fees can be expensive, but here are ways to send money for less.

Someone cutting a stack of cash with scissors

In this era of no-fee banking, pesky fees still exist. Here’s how to avoid them.

Illustration of a robot hand holding a bank building

Artifical intelligence (AI) is likely to reshape our lives in as big a way as the internet did in the 1990s and smartphones did in the 2000s (scary or exciting as that may be). That means changes to your [...]

Illustration of coins with a headline that reads best high-yield savings accounts today

Compare the best high-yield savings rates as of September 12, 2025.

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

Illustration of bag with dollar sign on it and allow in background, headline reading today's best high-yield savings rates

Compare the best high-yield savings rates as of September 11, 2025.

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