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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

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