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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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Senior Economic Analyst

Banking data studies

A majority (81%) of Americans did not increase their emergency savings this year
Over 1 in 4 workers are more worried about job security since 2025 began.
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

A large pile of cash next to a padlock
A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.
A graph showing an upward trend from 2025 to 2026. The trendline is made of cash
If you have $10,000 to invest in a CD right now, here’s how much you could earn.
Illustration of cash under a beach umbrella
Here’s how much $10,000 in a high-yield savings account can earn you.
A person takes a picture of a check.
Depositing a check using a smartphone is easy and can save you a trip to the bank.
Young woman using an ATM
Here’s how to find the nearest ATM in MoneyPass’s fee-free ATM network.
Fantasy image of a robot hand holding a phone with real cash falling out of the screen
For many of us, saving money feels like an uphill battle.
a chase bank in washington dc
Looking for a nearby Chase Bank location or ATM? Here’s how to find the closest ones.
Fed Chair Jerome Powell speaks at a news conference.
Rates are falling, and finance pros say it may be time for Americans to rethink some strategies.
Illustration of cash under a beach umbrella
Here’s how much $10,000 in a high-yield savings account can earn you.
Fantasy image of a robot hand holding a phone with real cash falling out of the screen
For many of us, saving money feels like an uphill battle.
Woman studying a document and working on a laptop
Here’s how multiple savings accounts can help you reach your financial goals.
Woman online banking with a tablet
How Reg. D impacts your savings account and why it pays to check with your bank.
Person looking at smartphone
The best account to save your money will vary by your goal.
Image by GettyImages, Illustrated by Bankrate
The APY percentage shows how much an account earns per year. Here’s what you need to know.
Someone watering a plant that grows cash
Here’s how much $100,000 in a high-yield savings account can earn you.
A majority (81%) of Americans did not increase their emergency savings this year
A large pile of cash next to a padlock
A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.
A graph showing an upward trend from 2025 to 2026. The trendline is made of cash
If you have $10,000 to invest in a CD right now, here’s how much you could earn.
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.
Here’s how to proceed when your CD matures during falling rates.
woman working on a laptop
CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.
Shot of a young businesswoman using a digital tablet outside of an office
Learn how you can lose money on a CD.
A father multi-tasks with his young son.
Savers, here are strategies to invest in CDs.
stacks of coin with dollar bill
A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
Bank teller with customer
These credit unions offer great rates and top-notch features — and many make it easy to join.
Young woman calculating her finances while sitting with her laptop.
Investing with mutual funds is an easy way to build a diversified portfolio. 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.
Woman online banking with a tablet
How Reg. D impacts your savings account and why it pays to check with your bank.
Person looking at smartphone
The best account to save your money will vary by your goal.
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
A couple works on their finances on a laptop in their kitchen.
With interest rates somewhat volatile, it’s important to shop around for the best money market mutual funds.
woman at ATM
Our top 5 picks scored highly for access, range of products and digital options.
Cash in gloved hand
Depositing cash into someone’s account isn’t always possible, but there are options.
Male friends walk on a college campus.
Here are top accounts for features like ATM fee waivers, overdraft forgiveness and more.
Outside view of a bank with American flag
Learn the key characteristics of certified checks and how they differ from other types of payments.
Young woman withdrawing money using phone at the ATM machine on the street in Budapest in Hungary.
Here are simple steps to take to avoid paying checking account fees.
Bank of America at Times Square
Bank of America offers perks beyond basic banking, including museum passes, cash back deals and $300 new account bonuses.
A check-cashing store.
If you don’t have a bank account, check-cashing services offer access to your money, at a cost.
Older woman and child putting pennies in a jar
We all use our checking accounts for the basic purposes — direct deposit of our paychecks, paying monthly bills and making debit card purchases. And while usually you’re seeing money leave your checking [...]
Stay on top of your money with the right balance between your checking and savings.