Find a better home for your savings.
Compare verified CD rates available in your city, calculate what your money could earn, and keep every maturity date organized.
A quick look at the market
Benchmarks to review before automatically renewing a CD at the same institution.
Heritage Hub FCU · Houston, TX
Texas Trust CU · Dallas, TX
A reference point for comparing offers.
Make the rate useful
Compare earnings, understand APY, and avoid losing track of a maturity date.
CD Calculator
Estimate interest, maturity balance, and the dollar difference between two rates.
Calculate CD earnings →CD Maturity Tracker
Organize balances, APYs, projected interest, and upcoming maturity dates.
Open the tracker →APY & APR Converter
See how compounding changes the advertised annual rate.
Convert a rate →Find rates near you
See current offers, minimum deposits, eligibility details, and official source links.
Clear information, not a mystery ranking
Every offer follows the same review process before publication.
Search official sources
We review institution websites instead of copying comparison sites.
Check the important terms
APY, term, minimum, eligibility, location, and source are reviewed.
Update the local market
Approved offers are dated and refreshed each Wednesday.
Built for the decision people actually face
You do not need another nationwide list of hundreds of accounts. You need to know which competitive offers are available to you, what the requirements are, and whether moving your money is worth the effort. That is the gap The Rate Desk is designed to close.
Meet Arthur and read the story →One useful update each Wednesday
Notable rate changes, local observations, and practical CD guidance.
The Rate Desk is a free, independent consumer resource. Rates may change without notice. Confirm all terms and eligibility directly with the institution before opening an account.