CDs

Searching for the best CD rates? Bankrate.com offers rates, comparison tools and news on certificates of deposit.

CD Basics

Current CD Interest Rates

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

3 min read

Pros and cons of CD investing

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

6 min read

CD rates: Historical trendline

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

5 min read

How to invest in CDs

Savers, here are strategies to invest in CDs.

7 min read

Latest Articles

Are CDs worth it right now? Here’s what experts say

With a possible recession looming, here’s what savers should know about CDs.

4 min read Jul 18, 2024
Is there still such a thing as a 6% CD?

I’ve often referred to 2024 as the year of the certificate of deposit (CD). In tracking CD rates on a daily basis, I’ve seen how yields remain at an overall high, thanks to the Federal Reserve raising [...]

4 min read Jul 18, 2024
Current CD rates for July 2024

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

3 min read Jul 18, 2024
Best business CD rates for July 2024

These seven banks and credit unions offer competitive rates on CDs for businesses.

5 min read Jul 16, 2024
Top 18 tips for CD savers

These tips can help maximize your savings using certificates of deposit.

9 min read Jun 28, 2024
CDs or Fixed Annuities: Which is a better way to save for retirement?

CDs and fixed annuities can be great retirement options. Here are the differences.

4 min read Jun 26, 2024
Banks are relying more on brokered CDs as consumers shifted money out of low-interest accounts, FDIC data indicates

Consumers move to interest-bearing accounts; banks increase funds for brokered CDs.

9 min read Jul 03, 2024
The pros and cons of CD investing

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

6 min read Jun 24, 2024
There’s now a 100-year CD. Here’s what you should know

The 100-year CD targets investors with philanthropic or generational-wealth goals.

4 min read Jun 12, 2024
Can you lose money on a CD?

Learn how you can lose money on a CD.

4 min read Jun 03, 2024
Here’s how much investing $10,000 in a CD right now could earn you in 1 year

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

4 min read May 02, 2024
Here’s when an early withdrawal from a CD is worth it

Sometimes paying an early withdrawal penalty to take advantage of a better deal isn’t a bad idea.

5 min read Apr 29, 2024
Here’s how much investing $25,000 in a CD right now could earn you in 1 year

If you have $25,000 to invest in a CD right now, here’s how much you could earn.

4 min read Apr 23, 2024
5 things to know before opening a CD

A CD often earns a competitive, fixed rate. Here’s what to know before opening one.

7 min read Apr 09, 2024
6 top tips for choosing the best CD for your money

CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.

4 min read Apr 02, 2024
How promotional (bonus) CD rates work

These CD specials help you earn more money on interest without taking on risk.

3 min read Apr 02, 2024
Why now might be a good time to consider longer-term CDs

If you’ve been thinking of getting a longer-term CD, you may want to make a move.

4 min read Apr 02, 2024
Brokered CDs: What they are and how to buy them

Here’s everything you need to know about brokered CDs.

6 min read Apr 01, 2024
How to renew a certificate of deposit (CD)

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

4 min read Mar 28, 2024
How do CDs work?

CDs hold your funds for a set period. In exchange, you get a reliable return.

6 min read Mar 25, 2024