Plain-English guides to certificate-of-deposit rates, the highest CD rates available now, finding competitive rates near you, and how high-yield savings accounts compare. Written by the Limen Markets Secure Returns desk.
A head-to-head look at CDs and high-yield savings accounts — covering rates, liquidity, insurance, and the scenarios where each one wins.
A plain-English breakdown of how current CD rates work, what APY really tells you, and which live offers stand out as of Jun 29, 2026.
Jumbo CDs require $100,000 or more to open, but the rate advantage over regular CDs is smaller than many savers expect — and FDIC coverage adds a wrinkle.
No-penalty CDs offer the rate certainty of a traditional CD with the exit flexibility of a savings account — here's when that trade-off makes sense.
X Money's headline 6% rate is a cash-savings feature, not a CD - and as reported, its insurance and structure are undisclosed. Here's how it really compares to an FDIC-insured CD.
A practical guide to shopping 1-year CD rates: what drives them, where to find the highest offers, and how they stack up against savings accounts.
A plain-English look at whether locking money into a CD makes sense in today's rate environment — and when it does not.
The $250,000 FDIC limit on CDs has important nuances around ownership categories that could leave large balances unprotected without careful planning.
Spread your money across multiple CD terms to chase the highest CD rates while keeping cash available on a rolling schedule.
High-yield savings and CDs both beat standard savings rates, but one offers flexibility while the other locks in a guaranteed yield — here is how to decide.
Local banks and credit unions often offer competitive CD rates, but online institutions frequently beat them — here is how to search both effectively.
The highest CD rates on the market today can look almost too good to be true — this guide explains exactly how to read them.