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  1. Best CD rates of January 2026 (Up to 4.20%) - Bankrate

    Opening a certificate of deposit (CD) allows you to lock in an attractive fixed rate and earn higher returns compared to traditional savings accounts, while providing guaranteed growth for a set...

  2. What Is a Certificate of Deposit (CD)? Pros and Cons

    Nov 20, 2025 · What Is a Certificate of Deposit (CD)? A certificate of deposit (CD) is a type of savings account that pays a fixed interest rate on your deposit for an agreed-upon period.

  3. Certificates of Deposit (CDs) - Investor.gov

    A certificate of deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, and in exchange, the issuing bank pays interest.

  4. How does a CD work? | CD rates explained | Fidelity

    Understand certificates of deposit (CDs) with this helpful guide. Learn how CD rates work and what may impact the market price of your brokered CDs. Plus, get step-by-step instructions on how to buy CDs.

  5. Best CD Rates Of January 2026: Up To 4.10% APY - Forbes

    3 days ago · Before you lock up some of your savings for months or even years, make sure you choose a certificate of deposit that maximizes your earning potential. We analyzed 458 CD accounts from 148...

  6. 14 best CD rates of January 2026: Earn up to 4.10% APY - CNBC

    Dec 29, 2025 · The best CD rates today rival those of high-yield savings — and you can lock yours in.

  7. Certificate of deposit - Wikipedia

    A certificate of deposit (CD) is a time deposit sold by banks, thrift institutions, and credit unions in the United States. CDs typically differ from savings accounts because the CD has a specific, fixed term …

  8. What is a CD & how do they work? | Capital One

    Jul 31, 2024 · A certificate of deposit (CD) allows you to save money at a fixed interest rate for a fixed amount of time. This guide will help you learn about how they work.

  9. Certificate of Deposit Accounts (CDs) and Rates – BMO

    2 days ago · Like guaranteed growth, locked-in interest rates and complete protection against the variability of the markets? BMO CDs are for you if you want competitive CD rates and flexible term …

  10. Best CD Rates for January 2026: Up to 4.27% - NerdWallet

    4 days ago · Check out the best CD rates today at top online banks and credit unions. The highest certificate of deposit rates are around 4%.