Luckily, banks and credit unions offer CDs with many different term lengths—including four years. Now is a great time to lock into 4-year interest rates, as they’re at the highest levels we ...

The average annual percentage yield for a 12-month CD dropped two basis points this month to 1.78%, according to the FDIC.

Commissions do not affect our editors' opinions or evaluations. Certificates of deposit (CDs) offer guaranteed returns, but one major drawback is you usually can’t withdraw your money before the ...