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Best 5-year CD rates — May 2021 Bankrate 5/17/2021 © KOLOstock/Getty Images Family spending time together A certificate of deposit, or CD, is an account that allows you to stash away some cash and earn fixed interest on it for a set period of time. Popular Searches A 5-year CD can get you one of the highest savings rates while offering safety and a guaranteed return. In exchange for handing over your money for a longer term, banks are usually willing to offer you a higher interest rate. However, with interest rates being so low, figuring out where to park your cash can be a tough decis...

Best 1-year CD rates — April 2021 Bankrate 21 hrs ago © MoMo Productions/Getty Images Mother working on laptop with daughter nearby Certificates of deposits (CDs) are safe vehicles for investors hoping to avoid taking on too much risk. If you keep your funds locked up in the bank for an entire term (such as three months or one year), you can expect to end up with your initial deposit plus interest. Popular Searches A 12-month CD won't pay the highest CD rates in the market. But right now, there isn't much of a difference between the annual percentage yields (APYs) on many one-year CDs ...

If a bank has multiple types of checking or savings accounts, different ones will probably come with different fees. Often, a more robust account charges a higher fee. A basic checking account may charge $5 per month, while a rewards checking account may charge $12 per month, for instance. How to avoid a monthly maintenance fee Most banks make it possible to waive monthly maintenance fees.  In many cases, you'll need to maintain a certain balance. You could waive the fee if you keep a minimum daily balance or an average daily balance over the course of the month. Some ...