CDs - Which are the best?

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

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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

  • woman and a fever line Mistakes to avoid when investing in CDs

    With the Federal Reserve finally pushing interest rates higher over the next few years, a new era of rising returns is upon us. Will you be ready to profit from that?

    May 18th 2016

  • 5 smart moves for investing in CDs

    The savviest savers know how to squeeze every drop of earnings from their certificates of deposit, and this is how they'll do it as interest rates rise over the next several years.

    May 4th 2016

  • Clear piggy bank with coins Best National 3-year CD rates pay up to 1.70%

    The best nationally available 36-month CD rate is 1.70% APY, and there are lots of local deals on these popular certificates of deposit that pay as much as 2.33%. Don't settle for less when investing your money.

  • Piggy bank in dollar bills Best national 24-month CD rates pay 1.51%

    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 1.51% APY.

  • White piggy bank on gold background Top national 6-month CD rates pay over 1%

    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.

  • piggy bank in glasses Best national 1-year CD rates move up to 1.30%

    The best nationally available return on 12-month CDs is at 1.35%. But local deals from credit unions and community banks are paying nearly 2% right now — and that's where to put your money.

  • White piggy banks with stacks of money and moneybag Top 5-year CD rates not yet following Fed's lead

    The best nationally available return is holding steady at 2.45% APY, while the top local deal continues to pay 3.05% APY. Will savings rates start moving higher later this winter? Or in early spring?

  • 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.

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