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

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Cooling inflation isn’t the same as low inflation.

It’s a simpler form of title transfer, used mainly when no money’s involved.

Should you keep money you need access to in a no-penalty CD or in a savings account?

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The principle of eminent domain allows governments to take over private property for public use. It’s a complicated and often controversial topic.

Wondering how to protect your data from identity thieves? Check out these steps.

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The key? Work with a real estate agent who specializes in relocation.

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

Withdrawing your money from a CD before the term ends can be costly.

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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.

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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.

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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