Certificates of deposit (CDs) offer predictable income, low risk, and FDIC insurance. Learn how CDs work, when they make ...

A bump-up CD allows you to boost your APY when interest rates rise without having to change any of its other terms.

Learn all about various types of certificates of deposit, how they work and how they potentially fit into your savings and investment planning. Browse Investopedia’s expert-written library to learn ...

As of May 18, 2026, the national average rate for a 12-month CD was 1.55%, according to the FDIC. The national average rate ...

CDs provide predictable income through fixed interest rates and defined maturity dates. FDIC insurance makes CDs one of the lowest-risk income investments available. CD ladders can balance income ...