With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, ...

Lucy Lazarony is an experienced personal finance journalist and writer who got her start in 1998 writing about financial topics. She writes accessible and easy-to-understand articles about credit, ...

Rachel Williams has been an editor for nearly two decades. She has spent the last five years working on small business content to help entrepreneurs start and grow their businesses. She’s well-versed ...

Choosing between a certificate of deposit (CD) and an individual retirement account (IRA) boils down to your plans for the money. CDs offer stability for short-term goals with fixed APYs while IRAs ...

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. These are the highest-paying 3-month CDs that are available nationwide Samantha ...

WSJ Buy Side is The Wall Street Journal’s research and commerce team. Our commerce content is distinct from our newsroom coverage. We earn a commission from some links in our articles. Learn more.

WSJ Buy Side is The Wall Street Journal’s research and commerce team. Our commerce content is distinct from our newsroom coverage. We earn a commission from some links in our articles. Learn more. If ...

A certificate of deposit (CD) is a low-risk type of bank account that allows you to earn a guaranteed interest rate for a set period of time — anywhere from a few months to several years, depending on ...

Promotional CDs reward investors with higher-than-normal rates. A promotional CD might come with a special term or a high minimum deposit. Some financial institutions provide promotional CD rates to ...

Always compare interest rates on CDs, including against other savings options such as high-yield savings accounts. Choose a term length that balances your needs for earnings and liquidity. Be aware of ...