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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

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If you’re struggling to pay off debt and build savings, you’re not alone.
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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

Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
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.
Young Asian woman using smartphone while relaxing on armchair, checking her bank account via online banking and managing her finances. Online personal banking. Wealth management. Digital banking habits. Smart banking with technology
Here’s how to determine what a good interest rate is on your deposit accounts.
man using his cell phone
Here’s a convenient way for Apple device users to transfer money between friends and family.
Bankrate writer Karen Bennett and editor Marc Wojno pose in a selfie at the Money 20/20 conference in Las Vegas.
Banks are working to keep customers safe through AI apps and human interaction.
Thanksgiving shopping
With some planning and preparation, this is how I reduced my Thanksgiving grocery bill.
Turtle with shopping bag
Slow shopping has been growing in popularity despite potential drawbacks.
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
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.
Young Asian woman using smartphone while relaxing on armchair, checking her bank account via online banking and managing her finances. Online personal banking. Wealth management. Digital banking habits. Smart banking with technology
Here’s how to determine what a good interest rate is on your deposit accounts.
Older gentleman using a laptop
Knowing a savings bond’s value can help you decide whether to hold it or redeem it.
Woman working with business document and laptop on the table
It’s a low interest rate environment, but there are ways to earn more on your money.
female soldier and her husband use a banking app to check the state of their finances
Bank account budgeting tools make it easy to track your personal finances.
Side view of father cooking food while daughter having apple in kitchen
These simple moves can help build a cash cushion.
Easy mornings and working from home for this couple
Savings yields topping inflation could let you hold onto your purchasing power.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
couple in the kitchen with bills
Here’s everything you need to know about brokered CDs.
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.
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How to proceed when your CD matures during falling rates.
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.
A young woman works from her laptop.
Balancing your checking account may sound dated, but it still makes sense.
Women using tablet
Online checking accounts stand out for different features. Here’s our top picks.
close up of hands signing a check
Checks aren’t as ubiquitous as they once were, but you may still have to write one.
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.
Capital One Bank signage in New York City
Banks are cutting overdraft fees in response to consumers and regulators’ demands.
Two female fashion designers working together at their studio
Opening a business checking account isn’t as simple as opening a personal checking account. Here’s what to know.
Young couple paying bills online
Online bill pay can add convenience and security to managing your routine bills.
Cash in gloved hand
Depositing cash into someone’s account isn’t always possible, but there are options.