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News and expert commentary about savings accounts and investing

No-penalty CDs for liquidity?

Some CDs don't penalize you for withdrawing before maturity, but beware of certain conditions.

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Early withdrawal blues
Take money out of a CD before it matures and you will pay a penalty, losing the interest you accrued.
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How do I ... Ladder CDs?
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CDs and Investing News This Week»
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Don't wait for declining retirement accounts to return to earlier highs before making changes.
CD ladder solves dilemma
A CD ladder can resolve the dilemma of whether to lock in long on a rate or stay short.
IRA withdrawal is risky
Taking an early distribution from a tax-deferred account can endanger long-term financial goals.
New rules for money funds
What happens to money market funds after the Treasury Department's temporary guarantee expires?
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Rate Watch»
Prime and other leading rates
See prime rate, as reported by The Wall Street Journal, and federal funds and COFI rates.
CD Rate Trend Index
Experts and Bankrate analysts comment on rate trends.
Treasury securities
Following the movement of interest rates? Take a look at these common government debt instruments.
LIBOR rates and other indexes
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CERTIFICATES OFDEPOSIT (CDs)
MONEY MARKET ACCOUNTS (MMAs)
About this index
CDs Overnight Averages
Product Yield +/- Last week
6 Mo CD
1.30%
1.31%
1 Yr CD
1.72%
1.76%
5 Yr CD
2.95%
3.00%
1 Yr Jumbo CD
1.51%
1.56%
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ByDon Taylor, Ph.D., CFA, CFP
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An investor in a money market mutual fund wonders if the net asset value is incorrect.
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