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 Jun 15, 2023
4 key factors that determine CD rates

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

3 min read May 31, 2023
Here’s how much investing $2,500 in a CD right now could earn you in 1 year

If you have $2,500 to invest in a CD right now, here’s how much you could earn.

4 min read May 22, 2023
What to do when a CD matures

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

4 min read Apr 27, 2023
How much money should you keep in a CD?

Some CDs require a minimum deposit of $100,000, but these accounts are not for everyone.

3 min read Apr 27, 2023
What is an IRA CD?

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

5 min read Apr 25, 2023
12 types of CDs: Which one is best for you?

CDs come in many varieties, making it easy to find one that meets your needs.

7 min read Apr 13, 2023
CDs vs. bonds: How they compare and which is right for you

Consider these important factors before investing in bonds and CDs.

5 min read Apr 04, 2023
No-penalty CD vs. savings account

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

4 min read Nov 21, 2022
Pros and cons of jumbo CDs

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

3 min read Oct 27, 2022
How to avoid a CD early withdrawal penalty

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

4 min read Oct 05, 2022
Short-term CD vs. long-term CD: Which is best for you?

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

4 min read Jul 19, 2022
Saving for retirement with CDs

Investing in CDs for retirement offers benefits but also some drawbacks.

4 min read Mar 31, 2022
How to protect your money from rate decreases with a CD

The Fed’s recent actions may force savers to start thinking differently about their money.

2 min read Sep 14, 2020
Short-term CDs are still a smart money move, thanks to the Fed

With the Fed likely holding steady on rates for now, short-term CDs still look like a good option.

3 min read Jan 24, 2020