High-yield savings accounts vs. CDs: High-yield savings accounts, as well as basic savings accounts, generally have rates that are variable and can change at any time, while a CD locks …

Check out the best CD rates today at top online banks and credit unions. The highest certificate of deposit rates are around 4%.

A certificate of deposit, or CD, is a type of savings account with a fixed interest rate usually higher than a regular savings account's rate.

A CD is a federally insured savings account with a fixed term and it requires an upfront sum. Rates are usually fixed.

3 days ago · The best one-year CD rates can help boost some of your short-term savings. These rates tend to be more than double the national average of 1.63% for one-year certificates of …

Looking at CDs? Here’s a step-by-step guide for how to open a CD account.

Use our free CD calculator to see the total interest you can get on a certificate of deposit. Like savings accounts, CDs earn interest and are federally insured.

3 days ago · NerdWallet's list of the best savings accounts feature options with great customer service, higher-than-average interest rates and low or no fees.

Nov 24, 2025 · Torn between a money market and CD? CDs earn more but have fixed terms. Money markets are more like regular savings accounts.

Dec 17, 2025 · The best high-yield savings accounts have high APYs, low fees and are federally insured.