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 06/18/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.99^%_APY

National Average

2.02^%_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

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.

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

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.

Bank sign on glass wall of business center

Looking for a high-yielding APY on a CD? Consider CD offered at these big banks.

A focused mature male freelancer sitting at the wooden table at home and reading online projects on a laptop.

These certificates of deposit (CDs) have no minimum deposit.

Holding up a golden piggy bank, balancing on one finger

CDs and fixed annuities can be great retirement options. Here are the differences.

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.

Understanding mortgage rate movements could save you money.

Illustration of a US Federal Reserve ink stamp

Every financial decision you make is impacted by the Federal Reserve.

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

How Reg. D impacts your savings account and why it pays to check with your bank.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

The Federal Reserve’s decisions have ripple effects, including for mortgages.

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Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.

Consider these four factors when choosing the right high-yield savings account.

Here’s everything you need to know about opening a bank account online.

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These options are great places to stash money from a bonus, inheritance and more.

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Knowing bank holiday schedules can help you avoid delays on necessary transactions.

A friendly female customer service representative

These are the 10 largest credit unions in the United States based on assets.

Consumers without a bank account face hurdles when trying to cash a check.

Illustration of cash under a beach umbrella

Here’s how much $10,000 in a high-yield savings account can earn you.

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