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 banks with stacks of money and moneybag Top 5-year CD rates roll clock back to 2011

    Why not benefit from one of the top-paying deals we've found on 5-year certificates of deposit? Returns are definitely on the rise, and we know where to look for the best local and nationally available rates -- up to 2.35% right now.

    October 16th 2014

  • Piggy bank in dollar bills Leading 2-year CD rate climbs to 18-month high

    Don’t invest a cent until you've checked out our rankings of the best-paying 2-year certificates of deposit. CSBdirect has raised the return on its nationally available CDs to 1.55% APY, making it the best deal we've seen since February 2013.

    October 11th 2014

  • piggy bank in glasses Top deal on 12-month CD surges to 3-year high

    You've got to take advantage of the best local and nationally available offers on 12-month CDs. All of these banks and credit unions pay at least four times more the average return on these popular certificates of deposit.

    October 4th 2014

  • 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.

    September 29th 2014

  • White piggy bank on gold background Top 6-Month CD rate highest in nearly two years

    Don't get stuck with an average 6-month CD paying just 0.15% APY. We've scoured the country to find the best local and national deals on these popluar, short-term certificates of deposit.

    September 27th 2014

  • Clear piggy bank with coins Early fall's best 3-year CD rates start at over 2%

    We've scoured the country to find the best local and nationally available deals on these popular certificates of deposit. Don't settle for average returns that pay half this much -- or even less.

  • Money chart and calculator 5 things you should know about target date funds

    Put your retirement plan on auto pilot with a target date fund, which automatically rebalances your portfolio over time.

  • 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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