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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
New Bankrate data shows many Americans are slowly making progress on their savings.
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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.
Man using laptop in kitchen
Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.
A man does research on his laptop.
Add-on CDs can offer more flexibility than a traditional CD.
comical illustration of money being injected via medial equipment
Here’s what you need to know about tapping into your emergency fund.
man signing a check
That string of numbers at the bottom of your check is really important. Find out why.
Road Leading Towards United States Capitol
After facing multiple rent increases in Boston, I decided to move to Washington, D.C. — a decision that will save my household approximately $24,000 over two years. Here’s what I learned about relocating [...]
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.
comical illustration of money being injected via medial equipment
Here’s what you need to know about tapping into your emergency fund.
Road Leading Towards United States Capitol
After facing multiple rent increases in Boston, I decided to move to Washington, D.C. — a decision that will save my household approximately $24,000 over two years. Here’s what I learned about relocating [...]
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
Person on laptop computer
The APY percentage shows how much an account earns per year. Here’s what you need to know.
piggy bank on a steering wheel
Take these simple steps to jumpstart your savings plan for a new car.
Side view of father cooking food while daughter having apple in kitchen
These simple moves can help you build a cash cushion.
Senate building in Washington DC
Sweeping changes at the Consumer Financial Protection Bureau (CFPB) signal what would be a significant shift in banking regulation under the Trump administration. While regulatory changes might sound like [...]
Karen Bennett working on a laptop
Now is still a good time to consider CDs for your portfolio. Here are five reasons.
US dollar bills against blue background
If you think rates may rise again soon, a bump-up CD could be what you’re looking for.
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.
Elderly woman on laptop
Some CDs require a minimum deposit of $100,000, but these accounts are not for everyone.
Woman using laptop
Locking in a high yield now could be beneficial in the event rates begin to drop.
I’ve often referred to 2024 as the year of the certificate of deposit (CD). In tracking CD rates on a daily basis, I’ve seen how yields remain at an overall high, thanks to the Federal Reserve raising [...]
woman using laptop in the kitchen
These tips can help maximize your savings using certificates of deposit.
Couple talking to a financial advisor about an investment
Consumers move to interest-bearing accounts; banks increase funds for brokered CDs.
Man working on laptop and drinking coffee
Money market funds are available from several different brokers and fund managers.
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Here are some of the best savings accounts you can sign up for as a business owner.
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Find the right business savings account to help your company’s money grow.
Person working at table with computer, drinking coffee and looking at smartphone
Learn why you need to check your APY.
couple with bank worker
Many of these banks offer low-fee accounts and higher yields than some of the biggest banks.
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.
A man researches on a tablet.
CDs and MMAs can pay competitive rates, but they have different drawbacks and benefits.
man signing a check
That string of numbers at the bottom of your check is really important. Find out why.
Young smiling woman using mobile phone while working on a laptop at a cafe
Mobile apps make managing your money a snap and mobile alerts can help protect it.
A young man uses an ATM.
Over time, ATM fees have climbed. Here’s what you need to know.
Family looking at their finances.
Early access to direct deposited funds can make managing your budget a bit easier.
close-up of a hand holding a cell phone
The person-to-person payment tool can allow for easy transactions to friends, family and more.
person signing a check
Looking to save money when ordering checks? Consider getting them online instead. Here’s how.
Person looking on computer, with dog.
Here’s everything you need to know about the specialty consumer reporting agency.
A woman writes a check
A bounced check is something that should be avoided. Here’s what you need to know.