CD research & reports
Follow rate trends in our reports, or explore why CD rates differ by location, institution and term. Findings come from our tracked sample of verified bank and credit union quotes.
Rate reports
Research guides
- Do CD rates vary by ZIP code?Same-day comparisons of identical CD products, terms and deposit tiers across the ZIP codes we checked.
- Promotional CD auto-renewal: the rate gapMeasured promotional vs. standard CD gaps, with a maturity reminder and renewal calculator.
- Credit union vs. bank CD ratesExact-term medians from independent institutions, with sample counts and source evidence.
- T-bill vs. CD after taxBreak-even CD APYs under explicit tax scenarios, compared with fresh nationwide quotes.
- Short-term vs. long-term CD ratesTrack the CD yield curve using medians, P90 and matched institutions with higher long-term rates.
- Do jumbo CDs really pay more?Compare matched $10,000 and $100,000 CD tiers using verified product quotes and independent institution counts.
- How does your deposit amount affect CD rates?Compare the tracked CD quotes applicable to $500, $1,000, $5,000, $10,000 and $100,000 deposits at exact terms.
- Do 7-, 11- and 13-month CDs pay more?Compare non-benchmark CD terms with the nearest common maturity at the same institution, ZIP and observation day.
- Are relationship CD rates worth it?Measured relationship vs. no-relationship CD quotes at the same institution, with nationwide alternatives and a break-even balance.
- CD rates after bank and credit union mergersFormer brands mapped to the institution that now publishes their CD rates, with current verified quotes and insurance grace-period rules.
Each guide explains its evidence, eligibility limits and calculation. How we collect and verify rates ยท Explore the daily rate index