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Opening a certificate of deposit (cd) allows you to lock in an attractive fixed rate and earn higher returns compared to traditional savings accounts, while providing guaranteed growth for a set. See which banks offer the best rates on average. Since 2019, we've been tracking the cd rates of more than 200 nationally available banks and credit unions every weekday, putting the results in our daily ranking of the highest cd yields.

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We analyzed 458 cd accounts from 148 financial institutions to determine which ones offer the best value for savers The cd rates offer higher rates for the amount of time you keep your money locked Our research factored in interest rates, minimum deposit requirements,.

We’ve rounded up our favorite cd accounts based on apy, bank reliability, and fees

Find the right one, lock in your rate, and start earning today Some banks even offer different cd types, like a cd where you can raise your apy. Cds offer guaranteed returns over a period of your choosing from a few months to several years