12 short-term CDs with the highest rates If you're looking for a short-term CD with a high APY, the options below offer some of the highest available right now:3-month CDs TotalDirectBank — 5.66% APY: A $25,000 minimum deposit via ACH is required to open this CD. The early ...
Overall, short-term CDs can be a good option for those looking for a relatively high, stable interest rate for 12 months or less. But that can come with risks, like missing out on better opportunities if rates rise or fall during your CD term. Still, because the duration is short, it...
CD laddersare ideal for savers who prefer not to tie up funds for long periods. By spreading savings across CDs with varying maturity dates, you can enjoy both short-term access and higher long-term interest rates. For example, start by investing $3,000 in three staggered CDs (1-year, 2...
Opening a mix of short- and long-term CDs using aCD laddercan help you avoid early withdrawal fees and missed opportunities with interest rates. When you ladder CDs, you openmultiple CDswith different maturity terms and rates. As each CD on the ladder matures, you can decide whether to roll...
If you can commit longer than 5–6 months, you can guarantee a rate of 5.30% with thebest 1-yearand18-month CDs. To Win Against Fed Rate Cuts, Instead Lock in for Longer As we mentioned, odds are high that the Federal Reserve will begin lowering its benchmark interest rate multiple ...
Top 5-year CDs are boasting APYs around 4%, with some 1-year CDs offering APYs close to 5%. However, these rates are not expected to last much longer as they continue to adjust downward in response to the Fed's rate cuts. For savers interested in locking in a high CD rate, now is...
These CDs pay higher interest rates than regular savings accounts, although rates are generally lower than traditional CDs. When considering a no-penalty CD, compare terms and interest rates offered by different financial institutions. Some banks may offer promotional rates or additional features, such...
Corporate bond funds — particularly high-yield funds — may return more, but with more risk. » Ready to get started? Learn how to invest in bonds Investments for money you need in 3 to 5 years Bank certificates of deposit, or CDs Potential interest rate: 3% to 4%, depending on CD...
Common examples of short-term investments include CDs, money market accounts, high-yield savings accounts, government bonds, and Treasury bills.短期投资的常见例子包括存款证、货币市场账户、高收益储蓄账户、政府债券和国库券。 Although short-term investments typically offer lower rates of return, they are...
Safest options are high-yield savings, money market, and CDs. By definition, short-term goals should not be invested with any risk if at all possible. That said, we've lived through a decade of ridiculously low to no interest on savings accounts, but that has now changed. Karen Lee, ...