Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Certificates of Deposit: Total for United States (IR3TCD01USM156N) from Jun 1964 to Dec 2023 about CD, 3-month, yield, interest rate, interest, rate, and USA.

View monthly updates and historical trends for US 2-Year CD Rate. from United States. Source: Federal Deposit Insurance Corporation. Track economic data w…

Graph and download economic data for Treasury Yield: 12 Month CD <100M (TY12MCD) from Apr 2021 to Sep 2025 about CD, 1-year, Treasury, yield, interest rate, interest, rate, and USA.

View monthly updates and historical trends for US 1-Year CD Rate. from United States. Source: Federal Deposit Insurance Corporation. Track economic data w…

View monthly updates and historical trends for US 3-Year CD Rate. from United States. Source: Federal Deposit Insurance Corporation. Track economic data w…

Graph and download economic data for National Rate: 12 Month CD <100M (NDR12MCD) from Apr 2021 to Oct 2025 about CD, 1-year, deposits, rate, and USA.

View monthly updates and historical trends for US 5-Year CD Rate. from United States. Source: Federal Deposit Insurance Corporation. Track economic data w…

Congo, The Democratic Republic of the CD: Interest Rate Spread data was reported at 16.436 % pa in 2017. This records an increase from the previous number of 15.671 % pa for 2016. Congo, The Democratic Republic of the CD: Interest Rate Spread data is updated yearly, averaging 20.727 % pa from Dec 2007 (Median) to 2017, with 11 observations. The data reached an all-time high of 49.343 % pa in 2009 and a record low of 14.657 % pa in 2013. Congo, The Democratic Republic of the CD: Interest Rate Spread data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Democratic Republic of Congo – Table CD.World Bank: Interest Rates. Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; Median;

View monthly updates and historical trends for US 6-Month CD Rate. from United States. Source: Federal Deposit Insurance Corporation. Track economic data …

Graph and download economic data for Treasury Yield: 6 Month CD <100M (TY6MCD) from Apr 2021 to Oct 2025 about CD, 6-month, Treasury, yield, interest rate, interest, rate, and USA.

Certificate of Deposit Market Outlook

The global certificate of deposit (CD) market size was valued at approximately USD 1 trillion in 2023, and it is projected to reach nearly USD 1.5 trillion by 2032, growing at a compound annual growth rate (CAGR) of around 4.5%. This growth is primarily driven by the increasing preference for safe and secure investment options amidst global economic uncertainties. Factors such as technological advancements in banking, fluctuating interest rates, and evolving consumer preferences are expected to further fuel the expansion of the CD market. As investors seek to balance risk and return, the certificate of deposit market is poised for significant growth over the next decade.

A major growth factor in the certificate of deposit market is the heightened demand for low-risk investment products, especially in volatile economic climates. As global markets experience fluctuations due to geopolitical tensions and unpredictable economic policies, investors are increasingly turning to CDs as a stable and predictable source of income. The fixed interest rates and government insurance associated with CDs make them an attractive option for risk-averse investors. Additionally, the increasing financial literacy among the population is leading to greater awareness of CDs as an investment tool, further driving market growth.

The digital transformation of banking services has also had a profound impact on the certificate of deposit market. Online banks and financial institutions are now offering more competitive rates and greater accessibility to CD products, thereby expanding their customer base. This digital shift has not only increased the convenience for consumers but also allowed institutions to reduce operational costs, enabling them to offer more attractive rates. Furthermore, the proliferation of fintech platforms has facilitated easier comparison of CD rates and terms, empowering consumers to make more informed investment decisions, which ultimately supports market growth.

Interest rates, which are a critical determinant of the attractiveness of CDs, have become progressively volatile, largely influencing the dynamics of the CD market. Central banks across the globe are adjusting rates in response to inflationary pressures and economic recovery efforts post-pandemic. While higher interest rates may enhance the appeal of CDs by offering better returns, they also make other investment avenues more attractive. Consequently, financial institutions are developing innovative CD products with features such as bump-up rates or liquidity options to maintain competitiveness. As interest rate environments evolve, so too will the strategies employed by both issuers and investors within the CD market.

Regionally, North America holds a significant share of the certificate of deposit market, driven by a mature banking sector and a high level of investor awareness. Europe follows closely, with its robust regulatory framework and stable economic environment contributing to sustained interest in CDs. Meanwhile, the Asia Pacific region is expected to exhibit the fastest growth rate, attributed to rapid economic development and increasing individual wealth in countries such as China and India. The Latin America and Middle East & Africa regions are also anticipated to see moderate growth, spurred by improving financial infrastructure and increasing investor education initiatives. Overall, the global CD market is poised for steady expansion, with varying growth trajectories across different regions.

Type Analysis

The certificate of deposit market is diverse, encompassing several types of CDs, each catering to different investor needs and preferences. Traditional CDs remain the most prevalent, offering fixed interest rates over specified terms. Their appeal lies in their simplicity and the assurance of a guaranteed return, which continues to attract conservative investors. The demand for traditional CDs is particularly strong among retirees and individuals seeking stable income sources. Despite the emergence of more flexible CD options, traditional CDs maintain their dominance due to the predictability and security they offer in uncertain financial climates.

Bump-Up CDs have gained traction as investors seek products that allow for interest rate adjustments during the term. This type of CD offers the potential for higher returns if market rates increase, providing a hedge against rising interest environments. The flexibility of bump-up CDs makes them attractive to investors who wish to capitalize on upward trends without abandoning the security of a CD. Howe

12 Month CD Rate - Historical chart and current data through 2025.

United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 12 Month CD (DISCONTINUED) was 0.15% in March of 2021, according to the United States Federal Reserve. Historically, United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 12 Month CD (DISCONTINUED) reached a record high of 1.29 in May of 2009 and a record low of 0.15 in February of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - National Rate on Jumbo Deposits (greater or equal to $100,000): 12 Month CD (DISCONTINUED) - last updated from the United States Federal Reserve on October of 2025.

Certificate of Deposit Market size was valued at USD 7.2 Billion in 2023 and is projected to reach USD 10.8 Billion by 2031, growing at a CAGR of 5% from 2024 to 2031.Certificate of Deposit Market: Definition/ OverviewA Certificate of Deposit (CD) is a fixed-income financial instrument given by banks and credit unions in which a person commits to deposit a specific amount of money for a set length of time in exchange for a guaranteed fixed interest rate. CDs are often seen as low-risk investments, providing investors with regular returns while shielding their wealth from market volatility. Certificates of Deposit are used as a secure savings option for those wishing to conserve their cash while receiving interest, making them especially appealing during times of economic turmoil. Furthermore, financial organizations use CDs to stabilize their financing sources, allowing them to lend or invest the pooled money more effectively, thus promoting broader economic activity.

Graph and download economic data for Average Rate on 1-Month Negotiable Certificates of Deposit (Secondary Market), Quoted on an Investment Basis (DISCONTINUED) (H0RIFSPDCNSM01NA) from 1965 to 2013 about negotiable, CD, secondary market, 1-month, average, investment, interest rate, interest, rate, and USA.

Congo, The Democratic Republic of the CD: Deposit Interest Rate data was reported at 4.185 % pa in 2017. This records an increase from the previous number of 3.375 % pa for 2016. Congo, The Democratic Republic of the CD: Deposit Interest Rate data is updated yearly, averaging 7.719 % pa from Dec 2007 (Median) to 2017, with 11 observations. The data reached an all-time high of 16.773 % pa in 2010 and a record low of 3.375 % pa in 2016. Congo, The Democratic Republic of the CD: Deposit Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Democratic Republic of Congo – Table CD.World Bank.WDI: Interest Rates. Deposit interest rate is the rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Deposit Interest Rate in Dominican Republic decreased to 6.54 percent in September from 8.30 percent in August of 2025. This dataset includes a chart with historical data for Deposit Interest Rate in Dominican Republic.

Deposit Interest Rate in Russia decreased to 15.71 percent in August from 17.41 percent in July of 2025. This dataset includes a chart with historical data for Deposit Interest Rate in Russia.

This dataset provides values for INTEREST RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Congo, The Democratic Republic of the CD: Real Interest Rate data was reported at -14.868 % pa in 2017. This records a decrease from the previous number of 14.084 % pa for 2016. Congo, The Democratic Republic of the CD: Real Interest Rate data is updated yearly, averaging 21.006 % pa from Dec 2006 (Median) to 2017, with 12 observations. The data reached an all-time high of 29.583 % pa in 2010 and a record low of -14.868 % pa in 2017. Congo, The Democratic Republic of the CD: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Democratic Republic of Congo – Table CD.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.; ;