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 2026

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 10/09/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.26^%_APY

National Average

2.13^%_APY

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.

Planning for retirement? Here’s what you need to know about IRA CDs.

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Take a look at the days when CDs were offering investors double-digit returns.

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

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Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.

Photo of Fed Chair Jerome Powell at a podium, holding his hands up.

The Federal Reserve left interest rates unchanged at its first meeting of 2026, keeping borrowing costs in a target range of 3.5-3.75%. This decision (supported by a 10-2 vote) pauses a streak of three [...]

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CD terms can range from three months to five years. Learn which one is right for you.

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

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The Federal Reserve’s actions can influence student loan interest rates.

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

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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’s decisions have ripple effects, including for mortgages.

Federal Reserve Eccles Building illustration

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

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

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

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With inflation seemingly on the downturn, the yield on Series I bonds is likely to fall over the near term.

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A resilient job market makes it hard to tell if it’s the last call to negotiate.

There are many ways to get free money to finance your college education.

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

Clearing out a dusty closet or dank basement can yield moneymaking treasures for resale.

WASHINGTON, DC - MAY 22: U.S. President Joe Biden meets with Speaker of the House Kevin McCarthy (R-CA) in the Oval Office of the White House on May 22, 2023 in Washington, DC. Biden and McCarthy were meeting to strike a deal on raising the debt limit and avoid a default by the federal government

The proposed deal on the debt ceiling means that the student loan payment pause will end and not be able to be extended again.

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If you’re interested in the good a bank can do, you should know about these banks.

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Regardless of how much money you have, it can be easy to fall into investment traps.

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