About CDRates

CDRates started with a simple frustration: finding the best certificate of deposit rate should not take an afternoon of clicking through bank websites, fine print and pop-ups. Savers deserve a single, honest place to see which banks and credit unions are paying the most for every CD term — from three months to five years — and that is what we built.

Our approach is straightforward. We track CD products from lenders across the country, record every rate change, and rank each product by its annual percentage yield within its term length. Every bank page shows that lender's current rates, how each one compares with the single best rate and the average of the top five rates on the market, and how its rates have moved over time. No guesswork, no hidden sorting.

We believe transparency builds trust. Some of the links on our site are affiliate links, and we may earn a commission when you open an account. Those relationships never influence our rankings — the highest APY is always listed first. We also invite our community to share reviews of the banks they use, and our team moderates every review so the feedback you read is genuine and useful.

Whether you are parking an emergency fund, building a CD ladder or locking in a rate before the next Federal Reserve move, CDRates is here to help you make a confident decision. Have a question, spotted a rate we should update, or want to suggest a lender? Get in touch — we read every message.