Certificates of Deposit: How To Choose the Right CD

Short-term vs. long-term CD: short terms offer flexibility, long terms lock in your rate. Learn which fits your timeline and how a CD ladder can balance both.

Are CDs safe? Yes — CDs at FDIC- or NCUA-insured institutions are covered up to $250,000 per depositor. Learn the limits, exceptions and risks to watch.

Callable CDs can have higher APYs than standard CDs. However, the brokerage has the right to terminate them early, affecting your savings rate.

Jumbo CDs require $100,000 but often pay barely more than regular CDs. See the real pros and cons, the FDIC limit problem, and when they make sense.