Commissions do not affect our editors' opinions or evaluations. After climbing for the past couple of years, CD rates have been slowly declining in 2024. CD rates tend to track the federal funds rate.

CD rates are often influenced by market conditions and decisions by the Federal Reserve. A certificate of deposit (CD) can provide peace of mind to savers worried about the resumption of rate cuts.

With close to a decade of writing and editing experience, Maisha specializes in service journalism and has produced work in the lifestyle, financial services, real estate, and culture spaces.

A year ago, the national average rate for a 12-month CD was 1.86%, according to the Federal Deposit Insurance Corporation (FDIC). At the same time, you could find numerous top-performing CDs ...

For many savers, though, finding the right CD strategy is key to maximizing the returns — particularly if you want your CDs to deliver over the long haul. Compare today's top CD account rates ...

Once a certificate of deposit matures, you can withdraw funds to put in another account, withdraw and open a different CD or let your CD renew. Many, or all, of the products featured on this page ...

All ratings are determined solely by our editorial team. When you put your dough into a one-year Bread Savings CD, you’ll earn a very competitive 4.00% APY, which is compounded daily so your ...

Compare rates from online banks, community banks and credit unions to find the best six-month CD rates. Pay attention to the minimum requirements to earn the advertised APY and maximize your ...