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

  • piggy bank in glasses Top 12-month CD rates peak, then slide, this year

    The best nationally available return surged to 1.30% earlier this year, before falling back to to 1.23% this month. But community banks and credit unions are offering local deals that pay as much as 2.10% APY if you know where to look for them.

    April 22nd 2015

  • Piggy bank in dollar bills Local deals dominate 2-year CD rates this spring

    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 2.269% and nationally available returns of up to 1.35%

    April 13th 2015

  • White piggy banks with stacks of money and moneybag Top 5-year CD rates disappoint in early 2015

    The best nationally available return has fallen back to 2.25% after rising as high as 2.50% earlier this year. But we know where to look for the best national and local deals, which are still paying up to 2.55% APY. Why settle for less on your 5-year certificates of deposit?

    April 5th 2015

  • White piggy bank on gold background Top national 6-month CD rates stuck in neutral

    But don't settle for an average 6-month CD paying 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. This is how to earn four times more than average on your savings.

    March 29th 2015

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

    The best nationally available 36-month CD rate is 1.50% APY. But there are lots of local deals on these popular certificates of deposit that beat that and pay three to four times the average return. Don't settle for less when investing your money.

  • 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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