Thanks to inflation and a higher federal funds rate, certificate of deposit (CD) interest rates have increased exponentially in recent years. CD interest rates barely broke 1% a few years ago. By ...
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Best CD rates for January 2026
High-yield savings account: According to DepositAccounts.com, as of January 2026, the top-yielding 1% of high-yield savings accounts offer an average of 3.86% APY, while the top average CD yield is ...
Joshua Rodriguez is a personal finance and investing writer with a passion for his craft. When he's not working, he enjoys time with his wife, two kids and two dogs. For many savers, that's a smart ...
Focus on CDs for cash reserves, use a CD ladder and compare rates. But don’t lose sight of a CD’s purpose. Many, or all, of the products featured on this page are from our advertising partners who ...
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How To Calculate CD Interest: A Step-by-Step Guide
CDs are a low-risk investment option that allows your money to grow at a fixed interest rate over a specific period. If you’re considering opening a certificate of deposit (CD) or already have one, ...
Gabriela Walsh is a Certified Educator in Personal Finance® and a personal finance editor at Red Ventures. Her previous work experience includes various editorial positions at FinanceBuzz. She ...
Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the ...
Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the ...
How do certificates of deposit work? Understanding CDs — including 7 types for boosting your savings
Interest rates are falling, and they could drop again soon. The Federal Reserve has cut its benchmark rate twice this year, bringing it down to a range of 3.75% to 4%. While another cut at the Fed's ...
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, ...
Trending Now: Suze Orman's Secret to a Wealthy Retirement--Have You Made This Money Move? How Many CDs Can I Have? Most banks don’t cap the number of CDs you can open, as long as you meet the minimum ...
A certificate of deposit (CD) offers savers a deal: Give up your money for a set period of time in exchange for a higher interest than you might find with a savings account. In order for this to make ...
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