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Track national average CD rates by term — 3-month to 4-year — updated weekly from the FDIC.
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.
Track national average Certificate of Deposit (CD) rates from the FDIC across all major terms — 1-month through 48-month. Updated weekly from official FDIC data.
View the current national average APY for each CD term
Enter your deposit amount to see projected interest earned
Compare terms to find the best fit for your savings timeline
Note that online banks often offer 2–5× the national average shown here
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.
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Fed funds effective rate, 2Y and 10Y Treasury yields, and the 10Y−2Y spread from FRED.