刚刚从IRS 官方网站上查的，no resident alien 收入不是来自美国的trade and business不用交税，好像以前看到saving account 的利息不算trade and business，不用交税；我想CD应该也是这样，不知有没有权威的说法

I assume you from China, F, J ,M or Q visa holder(you use
1040 NR tax form),this CD is US source CD,

If one of the assumptions changed, that will be a different story,
you can leave a email to my email box to give me more detail info.

According to my 3 assumtions,your US source investment
income is considered  “not effectively
connected income”(go to www.irs.gov to see
the definition.), it is subject to 30% or lower treaty rate if applicable.

According to China - US tax treaty, interest tax rate is
10%.