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Banking

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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.
Illustration of two hands holding phones, sending physical gold coins to one another.

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

Money next to flashing sirens
Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
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

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.
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
Illustration of Fed Chair Jerome Powell with torn pieces of money falling around him and a jagged arrow rising from the lower left to the upper right. There is also a Now Hiring sign behind him in the upper left of the image.
A slowdown may already be underway in the once formidable U.S. job market.
Mother and daughter looking at savings account info on a cellphone
The best savings accounts for teenagers offer competitive rates and charge no fees.
Male friends walk on a college campus.
Here are top accounts for features like ATM fee waivers, overdraft forgiveness and more.
Bank building
Even the smallest of these big banks has enormously deep pockets.
Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]
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.
Mother and daughter looking at savings account info on a cellphone
The best savings accounts for teenagers offer competitive rates and charge no fees.
Someone watering a plant that grows cash
Here’s how much $100,000 in a high-yield savings account can earn you.
female soldier and her husband use a banking app to check the state of their finances
Savings APYs remain high as the Federal Reserve holds interest rates steady.
Person looking at smartphone
The best account to save your money will vary by your goal.
A pink piggy bank being held by a robotic/animatronic hand.
Banks have been loudly touting their multi-billion-dollar investments in artificial intelligence as a breakthrough for consumers. CEOs speak at conferences about AI-powered personalization. Marketing departments [...]
Money next to flashing sirens
Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
Woman watering plants.
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) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]
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.
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.
Coworkers discussing project and having work meeting
Here are differences between CDs and share certificates, and which one to choose.
Clocks are displayed across an image of a dollar bill.
Take a look at the days when CDs were offering investors double-digit returns.
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.
A long spiral staircase.
Step-up CDs can help you potentially earn a higher rate of return later on.
Man working on laptop and drinking coffee
Money market funds are available from several different brokers and fund managers.
Person looking at smartphone
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.
Woman smiling at cash on a cloud
Lay away cash for an emergency or short-term goals with a money market mutual fund.
Man in home office online banking
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.
Woman looking at phone
Find the right business savings account to help your company’s money grow.
Woman online banking with a tablet
How Reg. D impacts your savings account and why it pays to check with your bank.
Male friends walk on a college campus.
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.
close up of hands writing a check
Consumers without a bank account face hurdles when trying to cash a check.
Outside view of a bank with American flag
Learn the key characteristics of certified checks and how they differ from other types of payments.
woman sitting on her couch and looking at her phone and credit card
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.
This old-school way of paying is still in demand. Here’s everything you need to know.