CDs - Which are the best?

Bank CD rates, highest yield CDs and certificate of deposit interest rates.

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Comparing interest rates and compounding methods on different CDs can be confusing. The annualized percentage yield (APY) takes both into consideration and makes comparison much easier.

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CD Rates Advice

  • White piggy banks with stacks of money and moneybag Top 5-year CD rates remain stalled this summer

    The best nationally available return has fallen back to 231% after rising as high as 2.50% earlier this year. But we know where to look for the best national and local deals, which are still paying up to 3.05% APY. Why settle for less on your 5-year certificates of deposit?

    July 22nd 2015

  • piggy bank in glasses Best national 1-year CD rates still stuck at 1.25%

    The best nationally available return on 12-month CDs rose to 1.35% last spring, before falling back. But local deals from credit unions and community banks are paying as much as 2% right now -- and that's where to put your money.

    July 8th 2015

  • Clear piggy bank with coins Summer's best 3-year CD rates start at over 2%

    The best nationally available 36-month CD rate is 1.54% APY and there are lots of local deals on these popular certificates of deposit that pay as much as 2.78%. Don't settle for less when investing your money.

    June 29th 2015

  • Piggy bank in dollar bills Top 2-year CD rates edge higher over past month

    Don’t invest a cent until you've checked out our rankings of the best-paying 2-year certificates of deposit. We've found local deals paying up to 2.25% and nationally available returns of up to 1.45% APY.

  • White piggy bank on gold background Top national 6-month CD rates hold at 3 1/2-year high

    With the best 6-month CDs now paying over 1% there's no reason to settle for an average return of just 0.16% APY. We've scoured the country to find the best local and national deals on these popular, short-term certificates of deposit.

  • Marie and Ed Peters Saving $100,000 before age 30 was just a start

    The first $100,000 is always the hardest $100,000 to save. Here's how Marie and Ed Peters have almost accomplished that while still in their 20s.

  • 5 things you should know about target date funds

  • Savings bonds I Bond return jumps to 1.94%

    The yield on these popular U.S. Savings Bonds will pay more than all but the best certificates of deposit over the next six months.

  • Where to find higher yields

    The Federal Reserve seems determined to hold CD rates at record lows for at least the next 18 months -- maybe longer. So why not consider one of these options to boost your annual returns to 3%, 5% or even more.

  • Mike Sante Co-leader in 6-month CD rates makes big cuts

    The big news in CDs comes out of California today, where one of our top-paying banks dropped its rates on 3-month, 6-month, 1-year and 2-year CDs. That's too bad because Pacific Mercantile Bank has often offered savers some of the best nationally available returns.

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