Explore current CD interest rates

Different CDs can have different term lengths, interest rates, and more

For instance, if a bank needs more deposits to fund loans, then it may offer high interest rates to attract deposits. Alternatively, a large bank with sufficient deposit reserves may have less incentive to grow its CD portfolio, offering lower rates as a result.

What’s the outlook for CD rates in 2025?

The federal funds rate can have a big impact on CD interest rates. That means it also affects the amount of money any given CD can earn you. To learn more about how CD rates will look in 2025, and how recent rate cuts correlate to that, read this article.

Use a CD rate calculator

This CD Rate Calculator allows you to determine your interest earnings and total savings balance at CD maturity. Enter your initial deposit, your interest rate, and your term length in months or years. Click here to use it.

Average three-month CD rates reached a historical high of 18.65% in December 1980

Comparatively, average three-month CD rates reached a low of 0.09% in June 2021 amid the economic turmoil of the COVID-19 pandemic. When inflation began to rise in 2022, the Fed began initiating rate hikes to incentivize saving.

Visualizing 40 years of interest rates

The history of interest rates are a proxy of macroeconomic conditions, with higher interest rates indicating periods of decline requiring artificial central stimulation. In a series of charts illustrating rates and their background conditions, you can see the movement of the economy over a forty-year period ending in 2020. Dive into the data here.

CDs come with risks, such as penalties for early withdrawal and inflation

CDs are generally considered fairly safe investment options. A CD bought via a federally insured bank is insured up to $250K.

The CME FedWatch Tool predicts the likelihood of future rate changes

It's based on federal fund futures contract prices. At a Fed meeting in July 2024, for instance, Chair Jerome Powell once again decided not to lower rates, though he said cuts could be on the table in September.

A certificate of deposit (CD) strategy guide

Popular CD investment strategies include the ladder, barbell, and bullet methods. These strategies can help you get the most out of investing in CDs.

The Federal Reserve's decisions can impact your money

Car loans, mortgages, business investments—these and more can be drastically impacted by the adjustment of the Federal Reserve’s federal funds rate. Alternatively, savers can earn higher, low-risk yields on their savings when the Fed’s target rate is higher.

About 30% of financial advisors opted for fixed and indexed annuities in 2023

An infographic that shows the most common types of investments used by financial advisors with their clients in 2023 also found that nine in 10 advisors used ETFs, and three-quarters invested in cash and cash equivalents.

The CD whose rates change based on Villanova basketball games

Ardent Credit Union in Philadelphia tied the interest rates of one of its certificates of deposit to whether Villanova won or lost a basketball game. A win moved the rate to 4.25%, while a loss reduced it to 3.9%. Financial experts say its only beneficial for a narrow group

The current federal budget, deficit, and debt, in charts

The US Treasury regularly publishes updated data on the federal budget, and this site hosts visualizations of that data. See reports on spending, revenues, deficits, and where the national debt stands.

See a chart of public trust in the Federal Reserve

An illuminating chart shows the percentage of Americans who trust the current Fed Chair, going back to 2005. See how we went from Alan Greenspan’s 74% trust level to Janet Yellen’s 38%.

Calculate your student loan payments

As of summer 2024, interest rates on federal student loans ranged from 6.5% for undergraduates to above 9% for loans taken out by parents (private loans can exceed 17%). The interest rate determines how quickly the amount owed grows. Use this calculator to estimate your monthly payments.

Although no longer the dominant format, CDs are increasingly popular with younger people

The compact disc now only accounts for about 3% of all music industry revenue, but those who still purchase CDs are, generally, much younger than most would expect. A 2023 YouGov poll found that 53% of Americans were willing to pay for music on CDs. When broken down by generation, those under 45-years-old were more likely to express interest in CDs and vinyl.

The US Government sells two types of savings bonds: EE bonds and I bonds

EE bonds have fixed interest rates that the buyer is informed of when they purchase the bond. I bonds, however, earn a rate that can change every six months. A comparative chart details the most significant differences between EE bonds and I bonds.

Are credit unions really worth it?

Credit union perks sound great on paper. They promise better interest rates and competitive customer service. But does this really translate to financial benefit for members? A new report dives deep into transaction data and answers with a resounding “yes.” Credit unions yield benefits of $179 per member or $376 per household. Dive deep into the data and read the report here.

Compare different mutual funds

Figure out what type of mutual fund is right for you with this tool. Use the search bar to find info on any mutual fund. If you’re deciding between multiple funds, you can select them all to get a comparative analysis on rates, fees, and returns.

BankFind is a tool that helps you find current and former FDIC-insured banking institutions

The tool from the Federal Deposit Insurance Corporation (also known as the FDIC) allows users to search for these institutions by name, location, and more.

A ‘rent vs. buy’ financial calculator

The New York Times built a continuously updated financial calculator to help potential homebuyers figure out which makes more sense given their individual situation: buying or renting a home. It takes into account how long someone plans to own the home for, mortgage rates, and more.

The 30-year fixed-rate mortgage is by far the most popular in the US

The most common types of loans are conventional, jumbo, fixed-rate, adjustable, and government-backed.

Calculate your risk of developing cancer

Hosted by the National Cancer Institute, this tool provides interactive charts that display the likelihood of dying from various causes—including cancer—based on factors like age, sex, race, and smoking status. By contextualizing cancer risk among other potential health threats, users can create custom charts.

The Consumer Financial Protection Bureau is looking closely at BNPL

Given the lack of data around BNPL services in comparison to other financial products such as credit cards, the CFPB has conducted research to better understand BNPL products and how they could harm and benefit consumers.

Financial advice from America’s founding fathers

Several of America's founding fathers—Benjamin Franklin, Thomas Jefferson, and Alexander Hamilton—espoused various financial platitudes during their lives. According to the financial publication Kiplinger, much of their advice holds up in modern times. This article rounds up a few wise words from the founding fathers (and even one first lady) about compound interest, taxes, and education. For money-management tips from America's early days, click here.

Check the current Consumer Price Index

The Consumer Price Index is a metric that attempts to capture price changes felt by consumers by averaging a basket of about 80,000 items, each weighted to reflect the impact of changes on households.

See a ranking of the best (and worst) Federal Reserve Chairs since 1914 out of the 16 men and women who have held the office since.

A century of Billboard issues documenting the evolution of popular music.

US consumers collectively owe more than $1T to credit card companies—almost as much as they owe in auto loans.

Calculate how much of your tax dollars go to each federal program based on your income, filing status, and number of children

Hedge funds, the private investment firms that trade a wide swath of financial assets, make money by imposing steep fees on investors and from the fund's investment performance.

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

Learn how to read a prospectus, the juicy document that any company must file with the SEC before going public.

Explore an interactive map built from more than 100,000 survey responses on where people find joy in their lives

US housing costs have risen by roughly 175% between 1991 and 2026—but a growing number of Gen Zers are becoming homeowners anyway. In 2025, 4% of homebuyers were Gen Z, up from 3% the year before.

While the first exchange-traded fund (a 'basket' of different assets that can be bought and sold on a stock exchange) in the US only launched in 1993, the global ETF market has grown to more than $10T in the short time since.

Play the role of a student in a game where you try to navigate college and remain debt-free, selecting different income levels, high school experience, race, ethnicity, and more.

Some coin denominations have ridges etched on their sides, partly to prevent counterfeiting, in a practice called 'reeding.'

Explore the known asteroids, comets, and spacecraft involved in asteroid studies within our solar system with 'Eyes on Asteroids,' a 3D visualization from NASA.

Chaos theory—informally known as the butterfly effect—is the reason why weather forecasts are presented with probabilities rather than certainties.

Despite being favored by 87% of Americans, Congress does not have term limits.

Dozens of S&P 500 stocks, including Coca-Cola and Walmart—known as the dividend aristocrats—have increased dividends every year for 25 years

Studies suggest when you sleep is as important as how much you get, and syncing with your circadian rhythms may lead to less fatigue and improved long-term health outcomes

One disco producer saw 'Star Wars' four times on its opening weekend and was so inspired that he recorded the album 'Star Wars and Other Intergalactic Funk,' which produced a chart-topping single.

How Amazon operates a 'flywheel' business model, a self-reinforcing cycle that drives continuous growth

Doctors differentiate between a phobia and fear by asking patients whether their fear interferes with their day-to-day activities.

See how fireworks are made and learn how metals like magnesium and copper are responsible for different colors.

Visualize how CRISPR-Cas9—a type of immune system used by single-celled organisms to attack invasive viruses—targets and makes precise changes to a gene's DNA.

Human-to-human transmission of hantavirus remains extremely rare, so the 2026 hantavirus cruise ship outbreak doesn't mean we're facing a COVID-style pandemic risk.

The most expensive ad of all time was for Chanel No. 5 perfume and cost roughly $33M to produce in 2004—about $57M in today's dollars.

For centuries, Niagara Falls has been a magnet for daredevils seeking to conquer one of nature's most powerful wonders, with its 200-foot drop and water rushing at 32 feet per second with 280 tons of force.