Category: CDs & Yields

When a CD matures, most banks give you about 7 to 10 days before rolling the money into a new term at today’s rate. What the grace period lets you do.

Treasury notes and bonds let savers lock a fixed rate for 2 to 30 years, starting at $100. How the auctions, interest payments and taxes work.

Brokered CDs can pay more than the bank down the street, but they trade differently, can be called early, and handle interest and insurance their own way.

CD early withdrawal penalties can erase interest and even principal. What banks must disclose, how penalties are structured, and how to keep flexibility.

I bonds bought now pay 4.26 percent, built from a 0.90 percent fixed rate plus inflation. How the two parts combine, and which one deserves your attention.