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

NEWS

How Fed decisions impact CD rates

The Federal Reserve cut rates in September. If you have the funds for a CD, find out if you should commit right now and how today's rates compare to inflation.

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 03/04/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.62^%_APY

National Average

1.89^%_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

Stephen Kates, CFP

Bankrate 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

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

Jumbo CDs pay a higher yield than other CDs. Here’s what to know before opening one.

young woman on ipad with illustrations in the background

Understanding what determines CD rates can help you decide whether to get one.

man working on tax forms with calculator

Looking to score more tax deductions? IRA CDs might be for you.

Better to let a CD automatically renew or cash it in? Here’s a guide for those looking to renew.

Consider these important factors before investing in bonds and CDs.

Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.

Step-up CDs can help you potentially earn a higher rate of return later on.

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

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

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.

A Black couple talk to a salesperson at a car dealership.

Auto rates will likely not decrease this year. Consider how to still save.

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.

The Federal Reserve held rates steady at its January 2026 meeting.

Federal Reserve Eccles Building illustration

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.

U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.

The best way for investors to deal with the Fed’s interest rate changes? Focus on your long-term investment plan.

Over time, ATM fees have climbed. Here’s what you need to know.

Setting aside pretax dollars in an HSA can help you defray future medical costs.

Young Woman Checking Her Finances At Home

Finding the account number on a check is easy — if you know where to look.

Checks aren’t as ubiquitous as they once were, but you may still have to write one.

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

woman holding a child and working online at home

Being able to open a checking and savings account can help build financial security.

ATMs are useful for depositing money, checking your balance, and more, but be aware of possible issues that may arise.

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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