Certificates of Deposit: How To Choose the Right CD
Explore Certificates of Deposit Articles
Explore guides on certificates of deposit, interest rates, CD terms and how CDs compare to other savings accounts.
Banking
CD Ladder: What It Is and How To Build One
A CD ladder spreads savings across CDs with staggered terms so one matures each year. Learn how to build one, what it earns and when it beats a single CD.
Written by Michelle Lambright Black
| September 1, 2026
12 MIN READ
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Banking
The Ultimate Guide to CD Early Withdrawal Penalties: Costs, Rules and Smart Strategies
A CD early withdrawal penalty is usually 60 days to 18 months of interest, set by your bank. See how it's calculated, real bank examples and how to avoid it.
Written by Sarah Silbert
| September 1, 2026
12 MIN READ
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Banking
Money Market Accounts vs. Savings Accounts vs. CDs
Compare money market vs. savings vs. CD accounts by access, rates and penalties — and learn which fits an emergency fund, a near-term goal or locked-up cash.
Written by Gabriel Vito
| September 1, 2026
14 MIN READ
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Banking
What Is a Step-Up CD? How It Works and Who It Fits Best
A step-up CD raises your rate automatically on a set schedule. See how step-up CDs work, how they compare with bump-up CDs and whether one fits your goals.
Written by Rudri Bhatt Patel, CFHC™
| August 28, 2026
7 MIN READ
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