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 10/06/2026. "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.

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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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If you’re looking for a low-maintenance, flat-rate cash back card, consider this card.

Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.

Fed chair Jerome Powell walks into a conference

The Federal Reserve announced that it’s lowering interest rates following its September 17-18 meeting.

The Fed looks poised to leave rates alone in July but signal cuts are coming soon.

Loan manager with digital tablet meeting with couple in bank

Here are the differences between a fiduciary and a financial advisor

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Learn how to use the sign-up bonus that Capital One SavorOne offers to new cardmembers.

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A black card is a type of extremely exclusive credit card that is almost solely reserved for the ultra-wealthy.

Image of Federal Reserve Chair Jerome Powell

Can a Fed rate cut stop the housing market roller coaster?

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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