{"id":235,"date":"2023-09-20T21:36:00","date_gmt":"2023-09-20T21:36:00","guid":{"rendered":"http:\/\/marshalllodge.co.uk\/?p=235"},"modified":"2023-11-23T15:11:51","modified_gmt":"2023-11-23T15:11:51","slug":"best-bank-cd-rates-for-2023","status":"publish","type":"post","link":"http:\/\/marshalllodge.co.uk\/index.php\/2023\/09\/20\/best-bank-cd-rates-for-2023\/","title":{"rendered":"Best Bank CD Rates for 2023"},"content":{"rendered":"<p>Certificates of Deposit (CDs) work similarly to <a href=\"https:\/\/www.goodfinancialcents.com\/best-online-high-yield-savings-accounts-interest-rates\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>online savings accounts<\/strong><\/a> or <a href=\"https:\/\/www.goodfinancialcents.com\/best-money-market-accounts\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>money market accounts<\/strong><\/a> in terms of offering great returns with zero risk. The difference is, CDs \u201clock your money up\u201d for a specified period of time. To access your funds before the term ends, you\u2019ll have to pay a penalty.<\/p>\n<p>Although CDs offer less liquidity than a regular checking account or savings account, you might get a higher rate of return with this financial product. This is especially true if you open a CD account with a longer timeline; for example, a 60-month CD instead of a 12-month CD.<\/p>\n<p>According to the <a href=\"https:\/\/www.fdic.gov\/regulations\/resources\/rates\/\" target=\"_blank\" rel=\"noreferrer noopener external\" data-wpel-link=\"external\"><strong>Federal Deposit Insurance Corporation (FDIC)<\/strong><\/a>, national average CD rates range from 1.33% to 1.76% depending on the CD term, as of writing.<\/p>\n<p>However, quite a few banks offer vastly superior CD rates to consumers who do their research. We compared dozens of banks and financial institutions to find the best CD rates today. If you\u2019re on the hunt for a high-yield CD, start your search here.<\/p>\n<div class=\"gfc-table-of-contents gfc-table-of-contents-blockwrap gfc-blockwrap\">\n<div class=\"gfc-table-of-contents-title-container\">\n<h3>Table of Contents<\/h3>\n<\/div>\n<div class=\"gfc-table-of-contents-content\t-container\">\n<ul>\n<li><a href=\"#important-factors-for-certificate-of-deposit-accounts\">Important Factors for Certificate of Deposit Accounts<\/a><\/li>\n<li><a href=\"#find-the-highest-cd-rates-from-banks-and-credit-unions\">Find the Highest CD Rates from Banks and Credit Unions<\/a><\/li>\n<li><a href=\"#for-the-current-cd-rates\">For The Current CD Rates\u2026<\/a><\/li>\n<li><a href=\"#best-certificate-of-deposit-accounts-reviews\">Best Certificate of Deposit Accounts \u2013 Reviews<\/a><\/li>\n<li><a href=\"#how-we-found-the-best-cd-rates\">How We Found the Best CD Rates<\/a><\/li>\n<li><a href=\"#what-you-need-to-know-about-certificates-of-deposit\">What You Need to Know About Certificates of Deposit<\/a><\/li>\n<li><a href=\"#summary-best-cd-account-rates-of-gfc_globals-fieldcurrent_month-gfc_globals-fieldcurrent_year\">Summary: Best CD Account Rates of October 2023<\/a><\/li>\n<li><a href=\"#the-bottom-line-locking-in-the-highest-cd-rates\">The Bottom Line \u2013 Locking in the Highest CD Rates<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"ca-widget\" data-token=\"280216d2e4a8\"><\/div>\n<h2 class=\"wp-block-heading\"><strong>Important Factors for Certificate of Deposit Accounts<\/strong><\/h2>\n<ul>\n<li>CDs are for long-term savings. Since CDs lock your funds into the account for a specific term (usually 12 to 60 months), they aren\u2019t ideal for money you might need to access in the short term.<\/li>\n<\/ul>\n<ul>\n<li>CDs offer security for your funds. CD accounts are a secure place to stash your money and earn interest, thanks to FDIC insurance.<\/li>\n<\/ul>\n<ul>\n<li>Check for CD fees. Most CDs charge fees if you need to access your money early. Make sure you understand these fees before opening this deposit account.<\/li>\n<\/ul>\n<ul>\n<li>Online banks might offer better rates. Although brick-and-mortar banks offer their own CDs, you might find better rates through online banks. Compare legacy banks and online institutions to find the best CD rates.<\/li>\n<\/ul>\n<p>If your goal is <a href=\"https:\/\/www.goodfinancialcents.com\/best-short-term-investments-right-now-for-your-money\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>securing a superior short-term investment<\/strong><\/a>, the best CD rates are worth exploring. To help in your search, we compared many of the top financial institutions and online banks to find options with the most attractive rates and terms. <\/p>\n<h2 class=\"wp-block-heading\">Find the Highest CD Rates from Banks and Credit Unions<\/h2>\n<p>Explore and contrast the top certificates of deposit (CDs) rates based on the highest Annual Percentage Yield (APY), spanning various terms including 3-month, 6-month, 1-year, 2-year, and 5-year options.<\/p>\n<div class=\"wp-block-gfc-custom-cta-dark\">\n<div class=\"wp-block-uagb-container gfc-custom-cta gfc-custom-cta--light uagb-block-31601546 alignfull uagb-is-root-container\">\n<div class=\"wp-block-uagb-call-to-action uagb-block-4477557b wp-block-button\">\n<div class=\"uagb-cta__wrap\">\n<h2 class=\"uagb-cta__title\">For The Current CD Rates\u2026<\/h2>\n<p class=\"uagb-cta__desc\">Raisin (Save Better) partners with some of the top banks in the U.S. for the highest rates on CDs.  Check below for the current rates.<\/p>\n<\/div>\n<div class=\"uagb-cta__buttons\"><a href=\"https:\/\/go.goodfinancialcents.com\/hycdpage\" class=\"uagb-cta__button-link-wrapper wp-block-button__link\" target=\"_blank\" rel=\"noopener noreferrer external\" data-wpel-link=\"external\">Find The Highest CD Rates<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><strong>Bank<\/strong><\/td>\n<td><strong>Rate<\/strong><\/td>\n<td><strong>Term<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/save-better.sjv.io\/c\/75177\/1785208\/14380\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Western Alliance Bank<\/a><\/td>\n<td>5.51%<\/td>\n<td>9 Months<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/save-better.sjv.io\/c\/75177\/1809368\/14380\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Greenstate Credit Union<\/a><\/td>\n<td>5.50%<\/td>\n<td>10 Months<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/save-better.sjv.io\/c\/75177\/1804864\/14380\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Ponce Bank<\/a><\/td>\n<td>5.50%<\/td>\n<td>9 Months<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/save-better.sjv.io\/c\/75177\/1786382\/14380\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Sallie Mae Bank<\/a><\/td>\n<td>5.40%<\/td>\n<td>14 Months<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/save-better.sjv.io\/c\/75177\/1786383\/14380\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Sallie Mae Bank<\/a><\/td>\n<td>5.30%<\/td>\n<td>10 Months<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/save-better.sjv.io\/c\/75177\/1493280\/14380\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Blue Federal Credit Union<\/a><\/td>\n<td>5.25%<\/td>\n<td>15 Months<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/save-better.sjv.io\/c\/75177\/1731693\/14380\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Lemmata Savings Bank<\/a><\/td>\n<td>5.20%<\/td>\n<td>9 Months<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/save-better.sjv.io\/c\/75177\/1418567\/14380\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Patriot Bank<\/a><\/td>\n<td>5.15%<\/td>\n<td>13 Months<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/save-better.sjv.io\/c\/75177\/1597477\/14380\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Blue Federal Credit Union<\/a><\/td>\n<td>5.10%<\/td>\n<td>No Penalty<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table><figcaption class=\"wp-element-caption\"><strong>Disclaimer:<\/strong> Interest rates are subject to daily fluctuations, and we strive to provide you with the most current information. Please verify the rates with your bank or credit union for accuracy!<\/figcaption><\/figure>\n<\/p>\n<p>The banks below made our ranking due to the interest rates they offer and other features.<\/p>\n<ul>\n<li><strong>PNC<\/strong>\u00a0<\/li>\n<li><strong>CIT Bank<\/strong><\/li>\n<li><strong>Discover<\/strong><\/li>\n<li><strong>Marcus by Goldman Sachs<\/strong><\/li>\n<li><strong>Synchrony Bank<\/strong><\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\"><strong>Best Certificate of Deposit Accounts \u2013 Reviews<\/strong><\/h2>\n<p>There are a few factors to consider when choosing where to open a certificate of deposit. These include whether you want to open your CD in person or online, the rates and terms that apply, and the fees required to access your money early.<\/p>\n<p>The following reviews explain the CD rates for each of the top banks we profile and other details you should know.<\/p>\n<h3 class=\"wp-block-heading\"><strong>PNC Bank<\/strong><\/h3>\n<p><a href=\"https:\/\/www.goodfinancialcents.com\/bbva-compass-bank-review\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>PNC Bank<\/strong><\/a> offers a variety of popular banking products, including certificates of deposit. Its CDs don\u2019t require any monthly maintenance fees, and you can monitor your account at any time online or with the BBVA mobile banking app.<\/p>\n<p>CD terms range from 7 days to up to 10 years, and CDs with longer timelines pay higher CD rates. Note that penalties apply if you access your money early.<\/p>\n<p>If you cash out your CD early, with a term of one year or less, you\u2019ll pay $25 plus 1% of the amount withdrawn. If you cash out a CD with a longer-term early, you\u2019ll pay $25 plus 3% of the amount you cash out.<\/p>\n<p><strong>CD Rates:<\/strong> Online CDs with terms from 11 months to 36 months currently pay up to 5.04% APY.<\/p>\n<h3 class=\"wp-block-heading\"><strong>CIT Bank<\/strong><\/h3>\n<p><a href=\"https:\/\/www.goodfinancialcents.com\/cit-bank-review\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>CIT Bank<\/strong><\/a> is known for its popular high-yield savings account, known as Savings Builder, but it also offers an array of CDs with excellent terms. Its 11-month, no-penalty CD stands out since it offers an excellent return rate. There are also no penalties if you need to access your money early.<\/p>\n<p>CIT Bank also offers term CDs with various other lengths, as well as jumbo CDs for deposits of $100,000 or more. None of its CDs come with account opening fees or account maintenance fees.<\/p>\n<p><strong>CD Rates:<\/strong> CIT Bank currently pays from 0.30% to 5.15% APY on their CDs, depending on the term you choose. Top rates are offered on their 18 month CDs, which pay out 5.30% APY, respectively. Additionally, they have an excellent 11-month No-Penalty CD at 5.10% APY as of the time of this writing (09\/26\/23.)<\/p>\n<div class=\"wp-block-gfc-custom-blocks-gfc-button-link-block gfc-button-link-blockwrap gfc-blockwrap container undefined wide\">\n<div class=\"row\">\n<div class=\"col-md-12\" style=\"text-align: center\"><a class=\"btn btn-primary buton-link-button\" href=\"https:\/\/secure.goodfinancialcents.com\/pr\/3f3f3302a1ba\" target=\"_blank\" rel=\"noopener sponsored nofollow external noreferrer\" data-wpel-link=\"external\">Get Started With CIT Bank<\/a><\/div>\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\"><strong>Discover<\/strong><\/h3>\n<p>With <a href=\"https:\/\/secure.goodfinancialcents.com\/pr\/u3b879b0336f?ap_referrer=https%3A%2F%2Fwww.goodfinancialcents.com%2Fbest-cd-rates%2F&amp;ca_referer=https%3A%2F%2Fwww.goodfinancialcents.com%2Fbest-cd-rates%2F\" target=\"_blank\" rel=\"noreferrer noopener external\" data-wpel-link=\"external\"><strong>Discover<\/strong><\/a>, you can open a CD that lasts anywhere from three months to 120 months. There are no fees to open a CD, including account opening fees or maintenance fees, although their minimum opening deposit is $2,500.<\/p>\n<p>Discover also stands out due to the reasonable penalties it charges if you need to access your money early. CDs with a term of less than one year, incur a penalty at three months of simple interest. For a CD that lasts one to four years, the penalty for cashing out early is just six months of simple interest.<\/p>\n<p><strong>CD Rates:<\/strong> The 120-month (10-year) CD is most rewarding, currently offering 3.80% APY, but that\u2019s a long time to wait. If you\u2019re willing to part ways with your funds for just 12 months, you can earn a rate of 5.20% APY.<\/p>\n<div class=\"wp-block-gfc-custom-blocks-gfc-button-link-block gfc-button-link-blockwrap gfc-blockwrap container undefined wide\">\n<div class=\"row\">\n<div class=\"col-md-12\" style=\"text-align: center\"><a class=\"btn btn-primary buton-link-button\" href=\"https:\/\/secure.goodfinancialcents.com\/pr\/u3b879b0336f\" target=\"_blank\" rel=\"noopener sponsored nofollow external noreferrer\" data-wpel-link=\"external\">Get Started With Discover<\/a><\/div>\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\"><strong>Marcus by Goldman Sachs<\/strong><\/h3>\n<p>Marcus by Goldman Sachs is a popular online bank for personal loans and high-yield savings accounts, yet it also offers rewarding CDs. Terms for its CDs range from seven months to six years, with a minimum $500 deposit to get started.<\/p>\n<p>Marcus by Goldman Sachs even offers a 10-day guarantee that says you can move your rate up if the advertised rates on the CD you purchased increase within 10 days.<\/p>\n<p><strong>CD Rates:<\/strong> Some of the best CD rates from Marcus by Goldman Sachs are for its 9-month CDs, which currently pay 5.10% APY. Marcus by Goldman Sachs also offers limited-time CD rate promotions, like 5.25% on an 18-month CD.<\/p>\n<p><strong>What Holds It Back:<\/strong> Marcus by Goldman Sachs is an online bank only, so you don\u2019t have the option to open your CD in person.<\/p>\n<h3 class=\"wp-block-heading\"><strong>Synchrony Bank<\/strong><\/h3>\n<p>We chose <a href=\"https:\/\/www.goodfinancialcents.com\/synchrony-bank-review\/\" data-wpel-link=\"internal\" rel=\"noopener\"><strong>Synchrony Bank<\/strong><\/a> for our ranking because it doesn\u2019t impose a minimum balance requirement, yet has competitive CD rates. It offers a 15-day guarantee, which lets you raise your rate if the advertised rate increases within 15 days of your CD purchase.<\/p>\n<p>Terms are available from three months to 60 months. Early withdrawal fees for their CDs are also reasonable. For example, early cash-outs on CDs with terms of 12 months or less charge 90 days of simple interest at the current rate.<\/p>\n<p><strong>CD Rates:<\/strong> Five-year (60-month) CDs currently pay 4.00% APY, and three-year (36-month) CDs pay 4.30% APY.  They also have a 16 month paying 5.40%<\/p>\n<p><strong>What Holds It Back:<\/strong> Synchrony Bank CDs are meant to be opened and maintained online, so you consider a different bank if you\u2019re hoping for a personalized experience or you prefer to bank in person.<\/p>\n<h2 class=\"wp-block-heading\"><strong>How We Found the Best CD Rates<\/strong><\/h2>\n<p>Finding the best CD rates is important if you want to maximize returns on your savings, yet there are other factors to consider before opening an account. We considered the following factors when compiling this list of banks with the best CD rates of 2023:<\/p>\n<h3 class=\"wp-block-heading\"><strong>Rates and Terms<\/strong><\/h3>\n<p>Although we gave preference to banks that apply the best rates to various CD terms, we focused on banks that offer <em>at least <\/em>one CD with an APY that is at least double the average CD rate nationwide. <\/p>\n<p>BBVA didn\u2019t score well in this category, yet we included them due to their lack of account fees and a strong reputation among major U.S. financial institutions.<\/p>\n<h3 class=\"wp-block-heading\"><strong>Account Fees<\/strong><\/h3>\n<p>We only considered banks that don\u2019t charge fees to open a CD account. We also chose banks that don\u2019t charge any monthly account maintenance fees.<\/p>\n<h3 class=\"wp-block-heading\"><strong>Early Withdrawal Penalties<\/strong><\/h3>\n<p>Most banks charge an early withdrawal fee if you cash out your CD early, so we looked for banks with reasonable penalties. We also gave preference to accounts or CD options that don\u2019t charge any penalty for early withdrawals.<\/p>\n<h3 class=\"wp-block-heading\"><strong>FDIC Insurance<\/strong><\/h3>\n<p>Finally, we only included institutions in our ranking that offer <a href=\"https:\/\/www.fdic.gov\/resources\/deposit-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener external\" data-wpel-link=\"external\"><strong>FDIC insurance<\/strong><\/a>. This insurance secures up to $250,000 of CD funds per account holder.<\/p>\n<h2 class=\"wp-block-heading\"><strong>What You Need to Know About Certificates of Deposit<\/strong><\/h2>\n<p>If you have never opened a certificate of deposit before, you might wonder how they work and why people choose this option. Here are some important factors when considering a CD account.<\/p>\n<ul>\n<li>CDs offer superior rates compared to other deposit products. According to recent figures from the FDIC, the average national CD rate for a 60-month term is about four times greater than the average national savings account rate.<\/li>\n<\/ul>\n<ul>\n<li>Longer CDs offer better yields. Committing your money to a longer timeline can lead to considerably higher returns. FDIC data shows that the average APR for a one-month CD is only .02% \u2014 not much better than a basic savings account.<\/li>\n<\/ul>\n<ul>\n<li>CD rates can go up or down over time. CD rates are determined based on the current interest rate environment, including benchmark interest rates. This means that you might get a better CD rate any time benchmark interest rates go up.<\/li>\n<\/ul>\n<ul>\n<li>CD rates can be higher on larger amounts. If you have $100,000 or more to deposit, you might qualify for a \u201cjumbo CD\u201d. This type of CD requires a high minimum deposit, but banks are willing to pay higher APYs to lock in more funds.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\"><strong>Summary: Best CD Account Rates of October 2023<\/strong><\/h2>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>BEST FOR<\/th>\n<th>AVAILABLE CD TERMS<\/th>\n<th>BEST RATE OFFERED<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong><a href=\"https:\/\/go.goodfinancialcents.com\/hycdpage\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">Raisin (SaveBetter)<\/a><\/strong><\/td>\n<td>Short-term, no penalty<\/td>\n<td>1 month to 14 months<\/td>\n<td>5.51%<\/td>\n<\/tr>\n<tr>\n<td><strong><a href=\"#pnc\">PNC<\/a><\/strong><\/td>\n<td>Long-term CD options<\/td>\n<td>1 month to 10 years<\/td>\n<td>Up to 0.04% APY<\/td>\n<\/tr>\n<tr>\n<td><strong><a href=\"#cit\">CIT Bank<\/a><\/strong><\/td>\n<td>11-month, no-penalty CD option<\/td>\n<td>1 month to 5 years<\/td>\n<td>4.65% APY<\/td>\n<\/tr>\n<tr>\n<td><strong><a href=\"#discover\">Discover<\/a><\/strong><\/td>\n<td>Reasonable penalties for early withdrawals<\/td>\n<td>Three months to 10 years<\/td>\n<td>5.20% APY<\/td>\n<\/tr>\n<tr>\n<td><strong><a href=\"#marcus\">Marcus by Goldman Sachs<\/a><\/strong><\/td>\n<td>Low minimum deposit requirement<\/td>\n<td>Seven months to six years<\/td>\n<td>4.30% APY<\/td>\n<\/tr>\n<tr>\n<td><strong><a href=\"#synchrony\">Synchrony Bank<\/a><\/strong><\/td>\n<td>15-day rate guarantee<\/td>\n<td>Three months to five years<\/td>\n<td>5.00% APY<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h2 class=\"wp-block-heading\">The Bottom Line \u2013 Locking in the Highest CD Rates<\/h2>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<p><iframe loading=\"lazy\" title=\"\ud835\udc01\ud835\udc1e\ud835\udc2c\ud835\udc2d \ud835\udc01\ud835\udc1a\ud835\udc27\ud835\udc24 \ud835\udc1a\ud835\udc27\ud835\udc1d \ud835\udc01\ud835\udc2b\ud835\udc28\ud835\udc24\ud835\udc1e\ud835\udc2b\ud835\udc1e\ud835\udc1d \ud835\udc02\ud835\udc03 \ud835\udc00\ud835\udc1c\ud835\udc1c\ud835\udc28\ud835\udc2e\ud835\udc27\ud835\udc2d\ud835\udc2c \ud835\udfd0\ud835\udfce\ud835\udfd0\ud835\udfd1 | \ud835\udc06\ud835\udc2e\ud835\udc1a\ud835\udc2b\ud835\udc1a\ud835\udc27\ud835\udc2d\ud835\udc1e\ud835\udc1e\ud835\udc1d \ud835\udfd3% \ud835\udc11\ud835\udc1e\ud835\udc2d\ud835\udc2e\ud835\udc2b\ud835\udc27!\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/PkGfIEavY5A?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/p>\n<\/div>\n<\/figure>\n<p>Investing in a certificate of deposit (CD) is one of the safest ways to grow your money. CDs are low-risk investments with guaranteed returns, so they can be an excellent choice for those looking to diversify their portfolios and lock in higher interest rates. <\/p>\n<p>When choosing a CD, it\u2019s important to <a href=\"https:\/\/www.wsj.com\/buyside\/personal-finance\/what-is-apy-01671811578\" data-wpel-link=\"external\" rel=\"external noopener noreferrer\">compare APYs (annual percentage yields)<\/a> and terms between different banks and credit unions in order to get the best rate possible. Shop around for promotional offers or talk to financial advisors if you need help selecting the right CD for your needs. <\/p>\n<p>With careful research and comparison, you\u2019ll be able to find the CD that gives you the highest rate \u2013 and peace of mind \u2013 in the long run.<\/p>\n<p>The post <a rel=\"nofollow noopener\" href=\"https:\/\/www.goodfinancialcents.com\/best-cd-rates\/\" data-wpel-link=\"internal\">Best Bank CD Rates for 2023<\/a> appeared first on <a rel=\"nofollow noopener\" href=\"https:\/\/www.goodfinancialcents.com\" data-wpel-link=\"internal\">Good Financial Cents\u00ae<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Certificates of Deposit (CDs) work similarly to online savings accounts or money market accounts in&#8230;<\/p>\n","protected":false},"author":1,"featured_media":237,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[11],"tags":[],"_links":{"self":[{"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/posts\/235"}],"collection":[{"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/comments?post=235"}],"version-history":[{"count":1,"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/posts\/235\/revisions"}],"predecessor-version":[{"id":236,"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/posts\/235\/revisions\/236"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/media\/237"}],"wp:attachment":[{"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/media?parent=235"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/categories?post=235"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/marshalllodge.co.uk\/index.php\/wp-json\/wp\/v2\/tags?post=235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}