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Current CD rates April 2021 Bankrate 5 days ago © Westend61/Getty Images Man using a banking app on phone A certificate of deposit (CD) is a time deposit account. A bank agrees to pay interest at a certain rate if savers deposit their cash for a set term, or period of time. Find current CD rates and recent interest rate trends from Bankrate below. Here are the current average rates for the week of April 7: 1-year CD rates: 0.18% 5-year jumbo CD rates: 0.33% Money market account rates: 0.07% Since the Federal Reserve lowered the fed funds rateto near-zero in March 2020, CD and money market account (MMA) rates have been declining at many banks. Declining Treasury yields may also cause CD rates to decrease.

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