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CDs traditionally lack liquidity, which can be a huge drawback. If you're afraid of being stuck paying early withdrawal penalties in case of an emergency, no-penalty CDs can help you avoid that risk.

But, a certificate of deposit (CD) can help. That's because today's leading accounts come with higher returns than the current inflation rate. However, strong current returns aren't the only ...

You have high-interest debt to tackle first. Not having access to your cash is a big downside of CDs. Make sure you have six months' expenses saved in an emergency account. With annual percentage ...

Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to three fiduciary financial ...

Interest is compounded daily and credited to your account monthly. If you take money out of your CD during the agreed-upon term, before its maturity date, you’ll be charged a penalty for early ...

Synchrony Bank CDs come with no minimum deposit requirement. Interest is compounded daily and is credited monthly. You can withdraw interest earned at any time during your CD term without penalty.

Currently, the best 1-year CD rates are some of the best rates you can get on CDs in general. The best CD rate for a 12-month CD term right now is 4.55% APY from Credit Human Federal Credit Union.

The Federal Reserve maintained interest rates last month. CD rates are influenced by the Fed's decision. Since the Fed didn't cut rates, it's likely CD rates will hold steady in February.

Commissions do not affect our editors' opinions or evaluations. After climbing for the past couple of years, CD rates have been slowly declining in 2024. CD rates tend to track the federal funds rate.