CD rate guides
Compare CD rates by term length. Find the best options for 6-month, 1-year, and 5-year CDs.
CD Provider Reviews
We've reviewed the best CD providers. Check out our reviews to find the best rates for your needs.
Did you know?
Before you lock in a certificate of deposit (CD), know that it trades access for a fixed APY. Member banks typically offer FDIC insurance up to standard limits. Early withdrawals usually trigger a penalty, so match the term to when you will need the money.
Frequently Asked Questions
Savings APY can change at any time. A CD rate is fixed for the term you choose, which helps when you want predictable returns on cash you will not need until maturity.
Most banks charge an early withdrawal penalty. Read the penalty schedule before you commit, and consider laddering shorter terms if you might need partial access.
We compare APY, term length, minimum deposits, and early withdrawal rules from published terms. Issuers cannot pay for placement in our lists.