Live Rates · Updated Weekly
Your bank is paying 0.55%.
Here’s who’s paying more.
I’ve spent 15 years in banking. I know exactly what rates are out there — and most people never find out. This site changes that.


The gap is bigger than most people realize
On $50,000 — here’s what the difference looks like in one year.
Find Rates Near You
Click your city to see this week’s best CD and money market rates — with exact institutions and how to open an account.

Built by someone who sees this every day
I watch people roll their CDs over at the same low rate year after year — not because better options don’t exist, but because nobody told them.
The Rate Desk is independent, free, and has no bank affiliation. Just honest information.
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The Rate Desk is a free, independent consumer resource. We may earn a referral fee when you open an account through our links. Rates shown are for informational purposes only and may change without notice. Always verify rates directly with the institution before opening an account.
