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 10/07/2026. "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.

Clocks are displayed across an image of a dollar bill.

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.

Person frowning at a laptop screen with illustration of money in background

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 [...]

Asian women using laptop computer at home working space.

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.

Federal Reserve Chair Jerome Powell speaks with lawmakers at a congressional testimony

Officials are sounding the alarm that they’re running the economy too hot.

the change drawer of the cash register at Symbiote Collectibles in West Reading, PA

The coin shortage in the U.S. continues to be an inconvenience for many.

A cargo ship moves towards the Bayonne Bridge as it heads into port in New Jersey

The principle can sometimes predict where inflation is heading.

Supermarket staff work at a grocery store in medical protective mask

Employers should also restore just about all of their pandemic-related job cuts.

Federal Reserve Chair Jerome Powell speaks during a House Financial Committee hearing in Washington, D.C.

Economists say high inflation is forcing the Fed’s hand.

A woman stands beside a gas pump at a gas station in Los Angeles, California

Price increases depend on supply chain and labor shortages.

Federal Reserve Chair Jerome Powell speaks beside President Joe Biden after he was nominated for a second term

Soaring inflation is making it hard for the Fed to justify its aggressive policies.

An itemized deduction is a qualifying expense that may reduce how much you owe in taxes.

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.

Early access to direct deposited funds can make managing your budget a bit easier.

These credit unions offer great rates and top-notch features — and many make it easy to join.

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The most impressive banks make it easy to interact both on old and new channels.

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

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Looking to use Zelle for a transfer? Here are the Zelle limits at various banks.

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

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

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