How long do I want to tie up my cash?
This will depend on when you will likely need it and interest rate trends.

Which CD types are best for me?
Ask yourself if higher rates or access to cash is more important. Then ask banks which CDs are most suitable for your needs.

Which bank has the best rates on the CD I want?
Get a feel for rates here. Then look through our directory to find the best one for you.

What about fees?
While banks do not charge for CDs, ask what you’ll be charged if you withdraw your invested assets before the CD matures.

Is the bank insured by the FDIC?
To find out, type in the name of the bank at the FDIC’s verification site.


If I ladder, will the cash amounts that come due be sufficient?
Use our CD ladder calculator to determine how much will come due each time one of your CDs matures.