CD Archives

CD Rate Trends This Week: Oct. 6
By: Brian O'Connell
Banks have had it pretty good lately. For months now, financial institutions have enjoyed near-zero interest rates, meaning they have access to capital on the cheap, so they can turn around and pour cash in investments like government bonds and make a profit on the difference in interest rates. Read more»
CD Rate Trends This Week: Sept. 29
By: Brian O'Connell
Recently, TheStreet.com’s Jim Cramer came out on his CNBC television show Mad Money with a “buy” recommendation on certificates of deposit. Read more»
CD Rate Trends: Sept. 22
By: Brian O'Connell
It’s a “good news/bad news” week for bank investors this week. Rates aren’t down, but they’re not up, either. It’s the latter trend that is increasingly frustrating to certificate of deposit consumers. Read more»
CD Rate Trends This Week: Sept. 17
By: Brian O'Connell
While certificate of deposit investors nervously watched CD rates hang tight in the first three days of this week, they can take some solace that sunnier days – and higher rates – could be just around the bend. Read more»
CD Rate Trends This Week: Sept. 9
By: Brian O'Connell
Groucho Marx once remarked that he couldn’t join any club that would have him as a member.Long-time certificates of deposit investors know what Groucho meant – the way rates are going, who’d want to be a member of such a lousy club? Read more»
CD Rate Trends This Week: Sept. 1
By: Brian O'Connell
Have certificates of deposit finally stabilized – and will interest rates bounce back up now that their downward slide seems to be abating? The evidence suggests that CD rates may have found a secure platform – one that CD investors can depend on to act as a solid foundation for future rate growth. Read more»
CD Rate Trends: August 25
By: Brian O'Connell
You really have to climb the ladder to get any “oomph” in certificate of deposit rates this week.The tale of the tape can be found in this week’s sbup National CD Tracker. Of the major CD categories, only five-year products are on the upswing, climbing to 2.3% from 2.24%. Read more»
In the kind of volatile stock market we’ve experienced during the past couple of years, dollar-cost averaging can be a valuable tool. Its main appeal is to impose discipline on the investor, not to open the door to some magical mathematical way of making money grow on trees, as some of its most enthusiastic followers claim. What is it, anyway? Read more»
Get thee to a two-year CD.OK, it’s not exactly the Sermon on the Mount, but it’s the best advice a certificate of deposit investor may get this week.Last week, 24-month CDs were the only category that saw an up-tick, according to the sbup National CD Rate Tracker – barely rising to 1.566% from 1.565%. Read more»
Inflation is a huge fear among investors, so the notion of a special CD that hedges against inflation is a no-brainer, right? Maybe, and maybe not. Market index CDs do have their good points, including a guaranteed protection on your original investment, and they’re also FDIC-guaranteed up to $250,000. But the downside may not be worth the trouble. Here’s the deal. Read more»
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