Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

The interest-earning potential with either account is significant now, but only one will guarantee those returns.

If you have a large amount of money to deposit, today's best jumbo CD rate is 4.35% APY, offered by Veridian Credit Union.

With Federal Reserve rates remaining mostly stable until recent months, savers largely reaped the benefits of high returns on their money, including with certificates of deposit (CD) accounts. While ...

A certificate of deposit, often called a CD at banks or a share certificate at credit unions, provides an easy and profitable savings vehicle if you’re holding on to money for a specific event. With ...

Find the highest APY available by comparing online banks and credit unions and looking for promotional terms. Build a CD ladder to take advantage of today's rates without locking all your money up for ...

Being aware of your grace period is the most important thing when it comes to cashing out your CD. Prioritize paying down debt. Try to lock in a high-interest savings account. When your certificate of ...

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