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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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Bankrate Financial Analyst

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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.
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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

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Learn about the benefits of having multiple bank accounts and what to look for.
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Finding the account of your dreams comes down to knowing what you want and the features you value most.
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Some of the most common ways to send or receive money electronically include ACH and wire transfers.
A mid adult woman sits at the counter in her kitchen and uses a laptop computer for online banking while managing her personal finances.
Don’t wait for the next Fed meeting to see where rates go before opening a deposit account.
Woman with glasses in front of a computer with her hand by her head, looking worried.
It’s important to weigh your options after missing your CD’s maturity date.
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.
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Many of these banks offer low-fee accounts and higher yields than some of the biggest banks.
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Find out which CD term is best for your financial goals in a lower rate environment.
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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A savings account can be a great tool to teach your child about money. Here are a few of our favorites.
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It’s important to find the right accounts for your emergency savings.
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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.
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Here’s how multiple savings accounts can help you reach your financial goals.
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How Reg. D impacts your savings account and why it pays to check with your bank.
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The best account to save your money will vary by your goal.
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) at and slightly above 4% with many nationally available CDs. Only a select few financial institutions offer promotional [...]
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A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.
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If you have $10,000 to invest in a CD right now, here’s how much you could earn.
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If you’ve been thinking of getting a longer-term CD, you may want to make a move.
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Here’s how to proceed when your CD matures during falling rates.
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CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.
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Learn how you can lose money on a CD.
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Get the latest rates on top-yielding money market accounts.
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These credit unions offer great rates and top-notch features — and many make it easy to join.
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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.
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.
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Our top 5 picks scored highly for access, range of products and digital options.
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Depositing cash into someone’s account isn’t always possible, but there are options.
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Knowing your limit before making a purchase can help you make smarter decisions.
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A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Applicants sometimes have past problems such as an unpaid negative balance [...]
Spend money, pay bills, write checks or make fund transfers with a checking account.
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Here’s how these two bank fees compare and how to best avoid them.
This old-school way of paying is still in demand. Here’s everything you need to know.
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Checks aren’t as ubiquitous as they once were, but you may still have to write one.
A young man uses an ATM.
Over time, ATM fees have climbed. Here’s what you need to know.