CDs - Which are the best?

Bank CD rates, highest yield CDs and certificate of deposit interest rates.

Certificate of Deposit Calculator

Comparing interest rates and compounding methods on different CDs can be confusing. The annualized percentage yield (APY) takes both into consideration and makes comparison much easier.


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CD Rates Advice

  • White piggy bank on gold background Top national 6-month CD rate holds at 4-year high

    With the best 6-month CDs now paying over 1% there's no reason to settle for an average return of just 0.16% APY. We've scoured the country to find the best local and national deals on these popular, short-term certificates of deposit.

    October 1st 2015

  • White piggy banks with stacks of money and moneybag Top 5-year CD rates stage modest rebound

    The best nationally available return is back up to 2.45% APY and we know where to look for the top local deals, too. They're paying up to 3.05% APY this fall. Why settle for less on your 5-year certificates of deposit?

    September 22nd 2015

  • piggy bank in glasses Best national 1-year CD rates still stuck at 1.30%

    The best nationally available return on 12-month CDs rose to 1.35% last spring, before falling back. But local deals from credit unions and community banks are paying nearly 2% right now -- and that's where to put your money.

    September 9th 2015

  • Clear piggy bank with coins Best national 3-year CDs paying most since 2011

    The best nationally available 36-month CD rate is 1.85% APY and there are lots of local deals on these popular certificates of deposit that pay as much as 2.78%. Don't settle for less when investing your money.

  • Piggy bank in dollar bills Top 2-year CD rates recover some ground before Fed acts

    Don’t invest a cent until you've checked out our rankings of the best-paying 2-year certificates of deposit. We've found local deals paying up to 2.25% and nationally available returns of up to 1.52% APY.

  • Marie and Ed Peters Saving $100,000 before age 30 was just a start

    The first $100,000 is always the hardest $100,000 to save. Here's how Marie and Ed Peters have almost accomplished that while still in their 20s.

  • 5 things you should know about target date funds

  • Savings bonds I Bond return jumps to 1.94%

    The yield on these popular U.S. Savings Bonds will pay more than all but the best certificates of deposit over the next six months.

  • Where to find higher yields

    The Federal Reserve seems determined to hold CD rates at record lows for at least the next 18 months -- maybe longer. So why not consider one of these options to boost your annual returns to 3%, 5% or even more.

  • Mike Sante Co-leader in 6-month CD rates makes big cuts

    The big news in CDs comes out of California today, where one of our top-paying banks dropped its rates on 3-month, 6-month, 1-year and 2-year CDs. That's too bad because Pacific Mercantile Bank has often offered savers some of the best nationally available returns.

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