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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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Experts in all things banking

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Chief Financial Analyst

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Principal U.S. Economy Reporter

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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.
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Here’s how to find the credit union that will best fit with your financial needs.
Illustration depicting young woman stressed looking at her laptop
As inflation hikes, here’s a phone plan that can help you save.
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Here’s what personal financial experts recommend to help get your finances in shipshape in 2022.
woman holding 100 dollar bills
Sweepstakes winners used their $10,000 prize for practical (and fun) purposes.
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Even the small victories add up over time when you’re living on a fixed income.
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Budgeting on an irregular income is challenging, but it’s possible. Here’s how to do it.
Man using a tablet for banking
Online banks offer a number of benefits, and they’re just as safe as brick-and-mortar banks.
Five participants won the Bankrate Drop Your Debt sweepstakes
Five winners won $10,000 each in Bankrate’s first Drop Your Debt Sweepstakes.
Couple works on bills
U.S. consumers see inflation as the biggest threat to improving personal finances.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Woman Inserts Cash Into Wallet
If you think rates may rise again soon, a bump-up CD could be what you’re looking for.
Woman at laptop
Planning for retirement? Here’s what you need to know about IRA CDs.
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.
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CDs come in many varieties, making it easy to find one that meets your needs.
Illustration of calculator and stacks of cash
If you have $25,000 to invest in a CD right now, here’s how much you could earn.
Illustration of a bar graph, moving down from left to right.
When policymakers and investors seek economic insight, they often use a tool called the yield curve. A yield curve measures the spread between yields on short- and long-term maturity bonds over time. It’s [...]
woman at ATM
Our top 5 picks scored highly for access, range of products and digital options.
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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.
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Business money market accounts offer higher yields while maintaining access to funds.
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Money market funds are available from several different brokers and fund managers.
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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.
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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.
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Your bank accounts have two separate balances: the current balance and the available balance. Here’s the distinction.