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.

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Latest articles

Couple looking at laptop while sitting on sofa at home

As the Fed is cutting interest rates, consider these certificates of deposit (CDs)

All CDs have one thing in common: They’re among the safest places to park your cash.

Learn how CD ladders and partial withdrawals can be used to fund emergency savings.

Withdrawing your money from a CD before the term ends can be costly.

It’s possible to leverage the money in your CDs to grow your emergency savings.

You can find a CD account that significantly out-earns the national average if you shop around among banks.

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed cuts rates.

Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.

Here’s how to proceed when your CD matures during falling rates.

Understanding mortgage rate movements could save you money.

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.

Fed rate hike to curb inflation, wooden block with FED and up-down arrows icon. Central banking system and interest rate changes.

We look back at how banks handled rate cuts in 2024, and what to expect in 2025.

Classic style new home exterior view with front porch and front door entrance.

The August jobs slowdown sets the stage for a Fed cut and brought mortgage rates to their lowest levels of the year.

Home and a money bag balancing on a scale

With a big Federal Reserve decision on the horizon, does it make sense to refinance your mortgage now, or wait?

The Federal Reserve Building in downtown Washington DC, USA at night.

The Fed continues to signal lowering rates later this month. Here’s how to prepare.

A downward facing red arrow "crashing" trough a shattering $100 bill.

Worried that your high-yield savings APY isn’t so high? Here’s how to stay on top.

Artistic sketch of a businessman on a suspended platform looking down as the platform morphs into a downward arrow with a '%' symbol on its side.

As the Fed hints at lowering interest rates, here’s how to prepare when rates fall.

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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