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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.
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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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Principal U.S. Economy Reporter

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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.
Over 1 in 4 workers are more worried about job security since 2025 began.
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

Santa Barbara beach with palm trees and city skyline at sunset, California, USA
California is a large state, and so are your list of options when it comes to banking in the Golden State. With so many options available, it can be tough to find the right fit. But don’t worry, we’ve [...]
Picture of the front of the Federal Reserve building
A look at what a bank bailout is with some examples of notable bank bailouts from the past.
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.
Six Bankrate experts share the career moves that let them get ahead financially.
Fed Chair Jerome Powell speaks during a news conference
Fed officials are trying to prevent an economic slowdown from getting worse.
Illustration of Fed Chair Jerome Powell
Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.
Design element with Jerome H. Powell chairman of the Board of Governors
Rate cuts are coming. Just don’t call this a low-rate environment just yet.
Illustration of Fed Chair Jerome Powell
The Fed looks poised to leave rates alone in July but signal cuts are coming soon.
Person taking safety deposit box out
Some items are good candidates for storage in a safe deposit box, but others aren’t.
Pile of cash
Best high-yield savings rate today.
piggy bank on top of pile of cash
Compare the best high-yield savings rates as of Aug 4, 2025.
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.
Illustration of construction workers on a roof
An emergency fund is an essential part of a solid financial plan.
If you’re looking to become a better saver, here are some tips for setting savings goals.
Fragments of five $100 bills showing Benjamin Franklin's face five times in a diamond shape.
Despite political pressure to cut rates, the Fed looks to keep them steady, for now.
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
Couple meeting with financial advisor
Jumbo CDs pay a higher yield than other CDs. Here’s what to know before opening one.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
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Understanding what determines CD rates can help you decide whether to get one.
man working on tax forms with calculator
Looking to score more tax deductions? IRA CDs might be for you.
Woman doing financial paperwork
Better to let a CD automatically renew or cash it in? Here’s a guide for those looking to renew.
Image of bonds and cash
Consider these important factors before investing in bonds and CDs.
A graph showing an upward trend from 2025 to 2026. The trendline is made of cash
If you have $10,000 to invest in a CD right now, here’s how much you could earn.
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.
Ally Bank logo
Ally’s money market account offers a high APY, no minimum deposit or monthly fee.
Man working on laptop and drinking coffee
Money market funds are available from several different brokers and fund managers.
A young female researches on her phone.
Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.
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.
Woman looking at phone
Find the right business savings account to help your company’s money grow.
Person folds his hands in front of their face
A bank may deny you a checking account. Here is what you can do next.
Person using credit card at laptop
Here’s what you need to know about interest checking accounts.
Cash in gloved hand
Depositing cash into someone’s account isn’t always possible, but there are options.
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A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Those who apply for this account sometimes have past issues such as an unpaid [...]
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.