Certificates of deposit (CDs) are a safe, low-risk way to grow your savings faster than a regular savings account. By locking in your money for a set period, CDs typically offer higher, guaranteed ...

CDs can be a great tool for a temporary conservative investment, but rates vary widely. Citibank has a variety of CD options, some with competitive rates.

Some pros say the Fed is likely to make rate cuts in 2026. Indeed, with the Fed’s first meeting of the year not scheduled until Jan. 28, the CME FedWatch tool currently predicts a 14.4% chance that ...

For his part, Bryan Johnson, CFO at CD Valet, says CD rates will likely drift downward in May, but perhaps not as fast as many expected earlier this year. “Banks seem to be easing off the aggressive ...

Learn all about various types of certificates of deposit, how they work and how they potentially fit into your savings and investment planning. Browse Investopedia’s expert-written library to learn ...

Every CD listed here is FDIC-insured, which means your deposits (up to $250,000 per bank) are protected. The best fit depends on two things: how long you're willing to lock up your money, and how much ...

If you want to lock in a high rate of return on your savings, certificates of deposit (CDs) are still offering some of the best rates we’ve seen in years—but they might not stay this high for long.

Have a question for Lindsey Crossmier or our other editors? Ask here for a chance to be featured in a story. Submit your question This form is protected by reCAPTCHA ...

Are you in the market for an 18-month CD? Check out our guide for recommendations and to learn how to find the best 18-month ...

*Rates and APYs are subject to change. All information provided here is accurate as of April 30, 2026. The APYs on CDs change regularly as banks and credit unions tend to follow in the footsteps of ...