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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
Over 1 in 3 people tapped emergency savings in the past year, per 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

Illustration of two hands holding phones, sending physical gold coins to one another.
Keep fees in check when you shift money from one bank account to another.
A person calculates interest.
Compound interest is a powerful force for people who want to build their savings.
woman at ATM
Our top 5 picks scored highly for access, range of products and digital options.
Man watering plants
Interest is the price you pay to borrow money or the cost you charge to lend money.
Mature woman helps her daughter study for exam
High-yield savings rates fluctuate over time. Let’s explore what causes that.
woman depositing a check on her phone
There are several ways to deposit a check — some are simpler than others.
Young Woman Depositing Check With Smartphone
The amount of time for a check to clear can vary from check to check.
Coworkers discussing a project
Here’s how to find the credit union that will best fit with your financial needs.
Man watering plants
Interest is the price you pay to borrow money or the cost you charge to lend money.
Mature woman helps her daughter study for exam
High-yield savings rates fluctuate over time. Let’s explore what causes that.
Recession risks are rising. Learn six smart savings strategies to protect your money before it hits.
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.
Person using laptop computer at home
Split direct deposit is a simple way to painlessly boost your savings.
Money next to flashing sirens
Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.
A student withdraws cash at an ATM.
There are ways to access your money and ultimately spend it. Here’s how.
A father multi-tasks with his young son.
Savers, here are strategies to invest in CDs.
couple in the kitchen with bills
Here’s everything you need to know about brokered CDs.
Bank sign on glass wall of business center
Looking for a high-yielding APY on a CD? Consider CD offered at these big banks.
A focused mature male freelancer sitting at the wooden table at home and reading online projects on a laptop.
These certificates of deposit (CDs) have no minimum deposit.
Holding up a golden piggy bank, balancing on one finger
CDs and fixed annuities can be great retirement options. Here are the differences.
A long spiral staircase.
Step-up CDs can help you potentially earn a higher rate of return later on.
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 at ATM
Our top 5 picks scored highly for access, range of products and digital options.
happy couple signing papers
Earn more on your business cash with high-yield accounts offering competitive APYs.
Ally Bank logo
Ally’s money market account offers a high APY, no minimum deposit or monthly fee.
Business women discussing project at table in modern office
Business money market accounts offer higher yields while maintaining access to funds.
Man working on laptop and drinking coffee
Money market funds are available from several different brokers and fund managers.
man and woman working together at a computer in an office
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.
woman depositing a check on her phone
There are several ways to deposit a check — some are simpler than others.
Young Woman Depositing Check With Smartphone
The amount of time for a check to clear can vary from check to check.
Person reading credit card statement
Here are easy actions you can take to avoid the fee of get it waived.
A young woman is in the living room, she is using a laptop and credit card
Stop wasting time writing checks. Learn the faster, safer way to pay.
Planning, finance and couple with paper and laptop for budget
Here’s what you need to know about this high-yield checking promo.
The IRS has more than $1 billion in unclaimed tax refunds for 2021
Get your tax refund faster and more securely by setting up direct deposit. Learn how to avoid common mistakes.
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If you overdraw your account frequently, then overdraft protection could be a good way to avoid hefty overdraft fees.
woman doing headstand
Your bank accounts have two separate balances: the current balance and the available balance. Here’s the distinction.