Certificates of Deposit

Certificates of Deposit are a great way to get a higher savings rate in exchange for short-term liquidity. Find out how CDs work, using CD ladders, and getting the best possible CD rate.
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The Best Credit Union CDs
Image shows a woman looking at 5 brochures trying to pick one to get a new certificate of deposit.
Best 3-Month CD Rates of August 2021
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Best 10-Year CD Rates for Long-Term Savings of August 2021
With Certificates of Deposit (CDs) your money is locked up for a set amount of time.
How Certificates of Deposit (CDs) Work
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Best 2-Year CDs for Short-Term Savings of August 2021
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Best 3-Year CD Rates of August 2021
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Earn More Money With a 5-Year CD Than a High-Yield Savings Account
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Try These Smart Strategies for Investing in CDs
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Here's What Happens When Your CD Matures
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What Are Brokered Certificates of Deposit (CDs)?
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Learn How CDARS Help You Maximize FDIC Coverage on CDs
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How CD Penalties Work and How to Avoid Them
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Unsure What CD Rates Will Be? Use a CD Ladder If You Need Flexibility
Image shows a nest with a golden egg in it, and a certificate of deposit beside it. Text reads: "How do CDs work? A kind of deposit account offered at almost every bank or credit union. Primary advantage is potential to earn more interest with a savings account. The longer the term, the better the interest rate. Once your CD matures, you can renew it at the current rate, withdraw your initial deposit along with the interest, or both"
How to Create a Certificate of Deposit (CD) Ladder
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Should You Store Cash in CDs or a Savings Account?
CD interest rate highs
Can CD Rates Go Back to Historical Highs (and Lows)?
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What Should You Do When Your CD Matures?
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What causes a bank's CD rates to go up or down?
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Do You Know How Your CD Interest Is Taxed?
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Money Market vs. CD: Which Should I Choose?
bank cd vs brokered cd
Bank Certificates of Deposit vs. Brokered CDs
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CD Interest Rates Dropped Due to the Pandemic. Now What?
Image shows a pros cons list. Text reads: "Pros and cons of CD IRAs: Pros: It's a safe bet for conservative investors–there's usually a government guarantee. It's ideal for safe money or near-term spending. Cons: you only earn slightly more than you'd get from a savings account. It's not ideal or long-term investing"
What Is an IRA CD?
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Maximize Your Short-Term Savings With a 6-Month CD Investment
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Should You Invest in a CD That Tracks the Stock Market?
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These CDs Let Allow You to Withdraw Anytime or Earn a Higher Rate
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You May Get a Higher Rate of Return Overseas But Know the Risks
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CDs With Penalty-Free Withdrawals
step-up CD
Do Step-Up CDs Offer a Path to Safe Income?
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Can You Make Equity-Like Returns From a Certificate of Deposit?
Best CD buying strategies
Best CD Buying Strategies When Rates Go Up