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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
Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
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A mid-year checkup is the most effective way to ensure my finances are on track.
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Two-thirds of American savers say they’re earning rates below 4% APY. Here’s why.

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Latest articles

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.
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
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How much money you keep at home depends on your personal situation, including your need for cash in everyday life as well as in an emergency situation. Some experts recommend keeping a minimal amount of [...]
Piggy bank with cash overflowing
Walk away with stacks of cash just for opening a checking or savings account.
A female bank teller helps a male customer at the bank counter.
Breaking up with your old bank need not be a heartbreaking process. Here’s how.
Fresh produce
With a bit of planning, you can reduce your grocery bill. Here’s how.
young man falling out of the sky along with various household items and cash
Businesses may now be starting to pass along higher costs from tariffs to consumers.
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.
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
Fresh produce
With a bit of planning, you can reduce your grocery bill. Here’s how.
Person paying bills on laptop
Learn how to earn the highest interest rates on a savings account.
Younger man in his 30s paying bills on his computer, with calculator, papers, bills, coffee and a pair of glasses on the table by his side.
Tariff concerns will likely cause the Fed to hold rates steady at its July meeting.
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Here’s how multiple savings accounts can help you reach your financial goals.
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Top savings APYs remain above 4%, with plenty of account options to choose from.
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The best savings accounts for teenagers offer competitive rates and charge no fees.
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Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
A person researches on a laptop.
Learn when a CD is worth it, when it is not, and alternatives to consider in 2025.
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A CD often earns a competitive, fixed rate. Here’s what to know before opening one.
A young man researches in the library.
CDs hold your funds for a set period. In exchange, you get a reliable return.
Woman frowning at a laptop screen
Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.
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It’s important to weigh your options after missing your CD’s maturity date.
Couple looking at laptop while sitting on sofa at home
As the Fed is cutting interest rates, consider these certificates of deposit (CDs)
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.
A young female researches on her phone.
Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.
Man working on laptop and drinking coffee
Money market funds are available from several different brokers and fund managers.
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The best account to save your money will vary by your goal.
Bank teller with customer
These credit unions offer great rates and top-notch features — and many make it easy to join.
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Lay away cash for an emergency or short-term goals with a money market mutual fund.
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These tips can help you manage your money more wisely and make you a bit richer.
Ally Bank logo
Ally’s money market account offers a high APY, no minimum deposit or monthly fee.
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Find the right business savings account to help your company’s money grow.
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A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Those who apply for this account sometimes have past issues such as an unpaid [...]
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Here are top accounts for features like ATM fee waivers, overdraft forgiveness and more.
Capital One Bank signage in New York City
Banks are cutting overdraft fees in response to consumers and regulators’ demands.
Spend money, pay bills, write checks or make fund transfers with a checking account.
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Consumers without a bank account face hurdles when trying to cash a check.
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Learn the key characteristics of certified checks and how they differ from other types of payments.
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Knowing your limit before making a purchase can help you make smarter decisions.
Young Woman Checking Her Finances At Home
Finding the account number on a check is easy — if you know where to look.