What should I look for when choosing a CD?
The first two factors actually go hand in hand, as the best way to find a promising interest rate is to look at the current financial climate. Thebefore interest rates drop, which helps you lock in a solid rate that's unlikely to be bested by the market. Then, look for a term length that fits the timeline of the goal you're saving for. A lot of folks open multiple CDs and stagger them so that a different account matures every six months or year. This process is often referred to asNext, boosting your initial deposit can net you better interest rates. So once you've narrowed in on a few options, see if it might be worth saving a bit more money before opening your CD, to cash in on a higher rate.
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