Learn about certificate of deposit (CD) types, how they work, and how they can fit into your savings goals. Browse Investopedia’s expert-written library for more.

Opening a certificate of deposit (CD) allows you to lock in an attractive fixed rate and earn higher returns compared to traditional savings accounts, while providing guaranteed growth for a set...

Dec 16, 2025 · We analyzed 458 CD accounts from 148 financial institutions to determine which ones offer the best value for savers. Our research factored in interest rates, minimum deposit …

Dec 19, 2025 · Some banks offer different CD types, like a CD where you can raise your APY or a CD where you can withdraw penalty-free. See our methodology for more information on how …

May 20, 2024 · A certificate of deposit (or CD) has many of the same low-risk benefits as a savings account, but a CD holds your money for a fixed time period in exchange for a higher …

Jun 14, 2025 · Explore the fundamentals of investing in Certificates of Deposit (CDs), including types, benefits, risks, and strategies for effective portfolio management.

CD rates are the interest rates that banks offer on a CD. It’s the profit you’ll make—a percentage of your total deposit—for buying and holding the CD for a specified amount of time called the …

Investing in certificates of deposit usually fall under one of three strategies: CD ladder, CD barbell and CD bullet. Learn more about each one.

Nov 20, 2025 · Learn how certificates of deposit (CDs) work, how they offer safe, fixed returns over set terms, and how they compare to savings accounts for growing your money.

CDs are bank deposits that offer an interest rate for a certain period of time. The issuing bank agrees to return your money on a specific date. Learn more about brokered CDs. View CD …