Loading Legacy
National average CD rates from the FDIC — updated weekly. Best national average: 4.60%.
| Term | Nat'l Avg APY | Interest Earned |
|---|---|---|
| 1-Month CD | 4.30% | +$35.15 |
| 3-Month CD | 4.40% | +$108.23 |
| 6-Month CD | 4.50% | +$222.52 |
| 12-Month CDBest | 4.60% | +$460.00 |
| 24-Month CD | 4.30% | +$878.49 |
| 48-Month CD | 3.90% | +$1653.66 |
Online banks and credit unions typically offer 0.5–1.5× the national average. Compare rates on Bankrate or NerdWallet, then check the FDIC site to verify the institution is insured.
A Certificate of Deposit (CD) is an FDIC-insured savings product with a fixed term and fixed rate. Early withdrawal typically incurs a penalty of 3–6 months' interest.
USA CD Rates Tracker (FDIC) displays national average CD APYs from FDIC data across 6 terms and projects interest earned on your deposit at each term using annual compound interest.
USA CD Rates Tracker (FDIC) is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
National average CD rates are published weekly by the FDIC from their rate survey of FDIC-insured institutions. Interest earned is projected using annual compounding: principal × ((1 + APY/100)^(months/12) − 1). These are averages; rates at specific banks may differ significantly.
Data is sourced from the FDIC National Rate Survey, which aggregates rates from FDIC-insured institutions weekly. These are national averages across all banks, not the top rates available.
No. National averages include low-rate traditional banks. High-yield online banks and credit unions often offer rates 2–5× higher than the national average.
A CD ladder splits your savings across multiple CD terms (e.g., 3-month, 6-month, 12-month). As each matures, you reinvest at current rates, balancing yield and liquidity.
Early withdrawal penalties vary by institution but typically equal 3–6 months of interest. Some no-penalty CDs waive this but usually offer lower rates.
National average savings, money market, and interest checking rates from the FDIC — updated weekly.
Live US Treasury yields from 1-month to 30-year from FRED — with yield curve visualization and inversion alert.
Fed funds effective rate, 2Y and 10Y Treasury yields, and the 10Y−2Y spread from FRED.