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How to open a certificate of deposit (CD)

Banking
Everything you need to know about opening an account.
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How to start saving (even if you’re starting from scratch)

Banking
Getting into the habit of paying yourself first is hard. Here are some ideas to help you start.
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How to transfer money from one bank to another: 4 ways

Banking
Keep fees in check when you shift money from one bank account to another.

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Banking data studies

Money next to flashing sirens
If you’re struggling to pay off debt and build savings, you’re not alone.
Piggy bank with doctors equipment. Cute and comical
A mid-year checkup is the most effective way to ensure my finances are on track.
And elderly couple discussing HYSA options
Two-thirds of American savers say they’re earning rates below 4% APY. Here’s why.

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Latest articles

Closeup of cash in a hand
Savings bonds are safe and easy to buy, but you can earn higher interest income elsewhere.
A young man imagining a piggy bank made out of cash. Looks slightly like origami
Ready to open a savings account? Here’s what you’ll need to know.
CDs and money
These seven banks and credit unions offer competitive rates on CDs for businesses.
Woman studying a document and working on a laptop
Here’s how multiple savings accounts can help you reach your financial goals.
Business colleagues having a conversation
These options are great places to stash money from a bonus, inheritance and more.
Fed chair Jerome Powell makes a speech
The Federal Reserve cut interest rates for the second consecutive meeting but this time by a smaller quarter of a percentage point.
Clocks are displayed across an image of a dollar bill.
Take a look at the days when CDs were offering investors double-digit returns.
Young couple managing finance and investment online
There’s still time to lock in a high-yielding CD as the Fed cuts rates.
Closeup of cash in a hand
Savings bonds are safe and easy to buy, but you can earn higher interest income elsewhere.
A young man imagining a piggy bank made out of cash. Looks slightly like origami
Ready to open a savings account? Here’s what you’ll need to know.
Woman studying a document and working on a laptop
Here’s how multiple savings accounts can help you reach your financial goals.
Business colleagues having a conversation
These options are great places to stash money from a bonus, inheritance and more.
Senior couple sitting at the kitchen table looking at digital tablet and recalculating their expenses.
Consider a savings account with an APY above the inflation rate.
Easy mornings and working from home for this couple
Savings yields topping inflation could let you hold onto your purchasing power.
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank
Comparing savings rates can ensure you get the best return on your savings.
Close up of someone hands holding and counting American dollar banknotes in her hand
Most people know they should be saving a portion of their income, but they might not grasp all of the benefits of doing so. Saving is an important habit to get into for a number of reasons — it helps [...]
CDs and money
These seven banks and credit unions offer competitive rates on CDs for businesses.
Clocks are displayed across an image of a dollar bill.
Take a look at the days when CDs were offering investors double-digit returns.
Young couple managing finance and investment online
There’s still time to lock in a high-yielding CD as the Fed cuts rates.
Cropped shot of a businessman using his computer in his home office
Find out which CD term is best for your financial goals in a lower rate environment.
Man working on laptop and cellphone simultaneously
If you’ve been thinking of getting a longer-term CD, you may want to make a move.
Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.
How to proceed when your CD matures during falling rates.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Couple looking at laptop while sitting on sofa at home
As the Fed is cutting interest rates, consider these certificates of deposit (CDs)
Man working on laptop and drinking coffee
Money market funds are available from several different brokers and fund managers.
A man researches online.
Looking for a place to park your savings? Here’s why a MMA might be appealing.
A young woman researches on her phone at a cafe.
Short answer? Yes. Here’s what you need to know.
Woman using mobile phone at the bar
These accounts sound similar, but there are some key differences to know.
Asian women using laptop computer at home working space.
CD terms can range from three months to five years. Learn which one is right for you.
A young female researches on her phone.
Here’s everything you need to know about no-penalty CDs.
Woman online banking with a tablet
How Reg. D impacts your savings account and why it pays to check with your bank.
A guide to mutual funds
Not sure how to get started investing with mutual funds? We’ll help you understand the basics.
Mother and daughter smiling at smartphone
Let’s explore why you might want a checking account you can’t write checks from.
Business owner talking on phone.
Here’s what you need to know if you’re considering a switch to business checking.
Customer writing cheque at bank counter
Learn about common checking terms, from bounced checks to outstanding checks.
Apples and oranges
Opening a checking account is easy. Finding the right one is the hard part.
Knowing how to read your bank account statement can nip problems in the bud. Here’s our guide.
mother and teenage son talking and looking at computer
We have a few suggestions on how to help your teenager learn personal finance and what you can teach them.
Pedestrians walking by TD Bank
Learn about the benefits of having multiple bank accounts and what to look for.
senior woman looking at paperwork in front of a computer
Age and region are also factors in how much consumers pay in checking fees.