If you’re looking for a safe, fixed-return option to grow your retirement savings, an IRA certificate of deposit (CD) can be a reliable choice. With an IRA CD, your money is placed in a federally ...

Explore top short- and long-term CD rates available today Written By Written by Staff Senior Editor, Buy Side Miranda Marquit is a staff senior personal finance editor for Buy Side. Edited By Written ...

Certificates of deposit (CDs) have become a popular safe haven for retirees. But with the Federal Reserve already cutting interest rates, today's CD yields may not last. Retirees who want to protect ...

Looking for the best 12-month CDs in November 2025? With interest rates still at multi-decade highs, short-term CDs are paying yields that rival (and sometimes beat) high-yield savings accounts. If ...

In September, the Federal Reserve lowered its benchmark interest rate for the first time this year. And there's a good chance we'll see at least one more rate cut before 2025 comes to a close. In ...

Since the Federal Reserve lowered its policy rate in September, many banks have quietly trimmed their CD APYs or discontinued splashy promo CDs. And with more rate cuts expected this year, APYs might ...

Discover how promotional CD rates offer higher returns to attract new deposits. Learn how banks and credit unions use these ...

Understanding the nuances of how each product works is essential to determining whether they’re right for your financial goals — or how they might even work together. But comparing the ins and outs of ...

Just last year, finding a 4.00% CD wasn't too difficult. But now in early 2026, it's a bit tougher. Banks have gradually lowered APYs over the past few months, and it's widely expected that the Fed ...

See how your savings stack up against typical Americans your age—and discover smart strategies for strengthening your retirement readiness.

It often pays for retirees to put money into CDs. I'm not close to retirement, so I'm more focused on stocks these days. CDs are a good option when saving for near-term goals, not long-term ones. The ...