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CD Archives

Interpreting A CDs Yield Curve
By: BankingMyWay.com Staff
By BankingMyWay.com StaffAs of March 23, the average annual percentage yield (APY) on five-year certificates of deposit (CDs) rose 0.02% to 2.36%, according to the BankingMyWay.com Rate Index. Meanwhile, the average APY on six-months CDs fell 0.02% to settle at 1.17%. Read more»
A Deeper Look: APR vs. APY
By: BankingMyWay.com Staff
By Jeff BrownYou see it all the time, an "APR" or "APY" that differs from the interest rate on a loan or interest-paying account. Read more»
Should You Withdraw Your CD Early?
By: BankingMyWay.com Staff
By BankingMyWay StaffCertificates of deposit (CDs) earn higher interest rates than money market or savings accounts because they tie up your money for a specific amount of time. Read more»
Beware of Risk With Variable-Rate CDs
By: BankingMyWay.com Staff
By BankingMyWay StaffOne of the biggest attractions of certificates of deposit (CDs) is that they offer a safe way to grow your savings without worrying about market fluctuations. A conventional CD offers a fixed interest rate that remains constant for the duration of the CD’s term. When you invest in a conventional fixed-rate CD, you know exactly how much you will have when the CD matures. Read more»
CD Investing: A Glossary
By: BankingMyWay.com Staff
By BankingMyWay StaffNeed a refresher on some of the more common terms used in reference certificates of deposit (CDs)? Read on. Read more»
The Best Way to Break Your CD Ladder
By: BankingMyWay.com Staff
By BankingMyWay.com Staff Read more»
Staying Safe With Your CD Investments
By: BankingMyWay.com Staff
By BankingMyWay StaffIn light of the recent investigation into the Stanford Financial Group, which centers on allegedly fraudulent certificates of deposit (CDs), many are wondering about the safety of their own CD investments. Read more»
Keep Funds Flowing With Liquid CDs
By: BankingMyWay.com Staff
By BankingMyWay StaffCertificate of deposit (CD) investments balance safety and interest with a lack of liquidity. Investors forfeit unrestricted access to their money for a specified period in exchange for a guaranteed return. With traditional CDs, accessing money early means incurring stiff penalties. But liquid CDs allow owners to withdraw their money from a CD before the CD has matured without penalty. Read more»
Discover: $50 Free for New CD Accounts
By: BankingMyWay.com Staff
By MainStreet.comFor a special extended period, if you open a new CD account online at Discover Bank, you could qualify for a $50 credit (Stock Quote: DFS). Read more»
Consider Bank Safety With Brokered CDs
By: BankingMyWay.com Staff
By BankingMyWay.com Staff Certificates of deposit (CDs) purchased through a broker are similar in many ways to traditional CDs. But one key difference with brokered CDs is that your broker's name, and not yours, is listed on the CD. While that won't affect the safety of your money, it could impact the amount of interest you earn if the issuing bank fails. Read more»
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