CD Rates Today: CD Calculator

Compare CD rates today by term, see how they stack up against Treasury rates, and plan your next certificate of deposit with a CD calculator and a CD ladder builder.

CD Rates Today shows the latest national average CD rates for 1-month to 5-year terms, plus savings and money market averages, from the FDIC. Each term sits next to the Treasury yield of the same maturity, so you can see at a glance how much more a Treasury, a high yield savings account or a top online bank CD would need to pay to beat the average.

TODAY
• National average CD rates for 1, 3, 6, 12, 24, 36, 48 and 60-month terms
• Savings and money market averages next to the fed funds rate
• Change from last month for every term
• A yield curve chart: CD averages vs Treasury rates by term

RATE HISTORY
• CD rate and Treasury rate charts since 2021
• 1-year, 3-year and full-history ranges with low, high and change

CD CALCULATOR
• Deposit, APY or interest rate, term and compounding (daily, monthly, quarterly, yearly)
• Value at maturity and interest earned
• Early withdrawal penalty scenarios: see what you get back if you break a CD early

CD LADDER
• Split a total into 3 to 6 CDs that mature every 3, 6 or 12 months
• Maturity date, rate and interest for each rung, plus the blended APY
• Use national averages or the APY your bank offers

MY CDs AND REMINDERS
• Save the CDs you own (stored only on your phone)
• Countdown to each maturity date
• Reminders 7 days and 1 day before a CD matures, so it does not roll over by surprise
• Optional Monday summary with this week's 12-month CD and savings averages

DATA SOURCES
National rates on non-jumbo deposits (under $100,000): FDIC, monthly. Treasury constant-maturity yields and the effective federal funds rate: Federal Reserve. All via FRED, Federal Reserve Bank of St. Louis. Each screen shows the date of the data.

IMPORTANT
Rates shown are national averages and market yields for information only. They are not offers from any bank, and the rate you can get will vary. This app does not provide investment, tax or financial advice and is not affiliated with the FDIC, the Federal Reserve or any bank.

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Recent changes:
Faster startup and stability improvements.