Certificates of deposit (CD) accounts allow depositors to earn a guaranteed interest rate in exchange for keeping their money in the account for a predetermined length of time. These accounts can have ...

We might earn a commission if you make a purchase through one of the links. The McClatchy Commerce Content team, which is independent from our newsroom, oversees this content. Are you looking to open ...

Decide on your CD, apply, fill out personal information, choose how you’ll receive interest and add money. Many, or all, of the products featured on this page are from our advertising partners who ...

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

If you've been considering opening a certificate of deposit (CD), you might be wondering if now is the best time to act — or if waiting until May could lead to better opportunities. After all, today's ...

The best interest rates on CDs—certificates of deposit—pay up to 4.94% today, based on certificate term lengths. Here’s an ...

Anyone with money in the bank, listen up: The Federal Reserve recently announced its first rate cut in nine months, and it has projected a drop in interest rates through 2027 and beyond. That means ...