Want to earn more money the easy way? Learn how a CD ladder works and how it can supercharge your savings in 2025.

A certificate of deposit, or CD, is a savings product offered by a financial institution that most often pays a predetermined interest rate on a depositor’s set amount of cash over a specified period ...

A certificate of deposit (CD) account is a popular savings tool offered by banks and credit unions that require you to lock your money away for a set period of time in exchange for a fixed interest ...

Joel is a full-time Personal Finance Writer at Motley Fool Money, where he brings a clear, approachable voice to topics ranging from credit cards to side hustles. He’s been writing about money since ...

A certificate of deposit (CD) is a type of savings account that holds your money for a set period of time, known as the term. Terms typically range from three months to 10 years. CDs are popular ...

Brokered CDs can be a convenient option if you already have a brokerage account. Instead of opening a new certificate of deposit account at a bank or credit union, you simply log in to your existing ...

With Americans pouring billions of dollars into certificates of deposit amid rising interest rates, this is a timely topic—and one that many savers are fuzzy on. “Lots of people wonder about this kind ...

Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the ...

Promotional CDs often have higher rates than standard CDs. Promotional CDs may come in irregular term lengths, such as 21 months instead of the standard 24 months. Financial institutions commonly ...

Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. What does a CD mean in terms of your earnings ability, though? Here's ...