Basic Guides: Certificates of deposit, money market accounts, savings accounts, checking accounts and investments

Indexed and Variable Rate CDs

By MoneyRates Team | Money Rates Columnist |

Curious how indexed or variable-rate certificates of deposit (CDs) work? Here are some essential facts on these unique accounts.

IRA CDs

By Andrew Freiburghouse | Money Rates Columnist |

An IRA that contains certificates of deposit (CDs) can offer investors some much-needed protection from the stock market -- a particularly attractive feature for those nearing retirement age.

Maximizing FDIC Insurance Coverage

By Gina Pogol | Money Rates Columnist |

Make certain that your deposits are fully covered by learning the answers to these common questions on FDIC insurance.

Comparing CDs and Money Market Accounts

By Karen Lawson | Money Rates Columnist |

CDs and money market accounts can both help protect your long- and short-term savings, providing security and even competitive yields -- if you're willing to shop around.

How to Compare CD Rates

By Richard Barrington | Money Rates Columnist |

Interest rates are important when you're shopping for a CD, but there are some things to keep in mind before you select an account based on its rate.

Certificate of Deposit (CD) Primer

By Richard Barrington | Money Rates Columnist |

With many types of certificates of deposit (CDs) now available, finding the highest CD rates requires some knowledge of the market.

Retirement Money Market Accounts

By Andrew Freiburghouse | Money Rates Columnist |

Adding a money market account to your retirement portfolio can provide much-needed security as you age. Here's what you should know before choosing one.

Money Market Accounts: A Good Choice for Your IRA?

By Andrew Freiburghouse | Money Rates Columnist |

A money market account placed in a IRA can offer excellent stability and tax benefits. Learn why money market IRAs are a particularly good choice if you're near retirement.

Money Market Accounts vs. Savings Accounts

By Andrew Freiburghouse | Money Rates Columnist |

Money market accounts and traditional savings accounts share certain characteristics, but also have differences that make each product attractive in specific situations.

Money Market Accounts vs. Money Market Funds

By Andrew Freiburghouse | Money Rates Columnist |

Many people confuse money market funds with money market accounts, but these are two fundamentally different types of financial instruments.

Money Market Accounts: A Primer

By Andrew Freiburghouse | Money Rates Columnist |

Money market accounts are similar to savings accounts, but often pay higher interest and may carry more restrictions. Learn when you should choose a money market account.

Saving for College: How to Include Your Child

By Richard Barrington | Money Rates Columnist |

A college education is a great thing to seek for your children, and including them in the saving process can teach them some key financial principles.

How to Compare Bank Interest Rates

By Richard Barrington | Money Rates Columnist |

When you choose a new deposit account, the interest rate should be a primary concern. But there's more you should consider before you open a new account.

Savings Accounts for Children: How to Choose Wisely

By Richard Barrington | Money Rates Columnist |

There are several things to look for when choosing a child's saving account. Learn what features you should seek and how to maximize the learning experience for your offspring.

How to Choose a Bank

By MoneyRates Team | Money Rates Columnist |

Choosing a bank is no small matter, so don't go into the process without knowing these basics.

Specialty Banks

By MoneyRates Team | Money Rates Columnist |

Haven't found what you're looking for at mainstream banks? Find out if a specialty bank can help.

Online Banking: Tips on Getting Started

By MoneyRates Team | Money Rates Columnist |

Want to explore the possibilities of online banking? Read these essential tips for getting started.

College Savings Plans

By MoneyRates Team | Money Rates Columnist |

Need information on saving for college? Learn about some of today's most popular educational savings options.

International Banking And Foreign Investments

By MoneyRates Team | Money Rates Columnist |

Learn when it makes sense to consider adding foreign investments or bank accounts to your portfolio.

The Differences Between Savings Accounts, Money Market Accounts and CDs

By Joe Taylor | Money Rates Columnist |

When comparing deposit accounts, understanding the main types of products available is critical. Learn how these accounts differ from each other.

Health Savings Accounts

By Richard Barrington | Money Rates Columnist |

When paired with high-deductible health insurance, a health savings account can be a good way to plan for your health care expenses.

Education Savings Accounts

By Andrew Freiburghouse | Money Rates Columnist |

Education savings accounts are a tax-advantaged way to save for college expenses. Learn how they can help take some of the sting out of today's tuition costs.

Tips for Reconciling Your Bank Account

By Karen Lawson | Money Rates Columnist |

Reconciling your checking or savings account doesn't have to be a nightmare. Follow these simple steps to find out if your account is in balance.

Avoiding Checking Account Fees

By Andrew Freiburghouse | Money Rates Columnist |

Here are some of the most common checking account fees, along with suggestions on how to avoid them.

Calculating Interest on a Checking Account

By Andrew Freiburghouse | Money Rates Columnist |

If you want to know where every dollar in your finances comes from, it's important to understand how to calculate checking account interest.

How to Manage a Checking Account

By Andrew Freiburghouse | Money Rates Columnist |

While technology can help today, there is still no substitute for diligence when it comes to managing your checking account.

Different Kinds of Checking Accounts

By Andrew Freiburghouse | Money Rates Columnist |

Looking for a new checking account? It may be helpful to know what options exist before you start shopping.

About Money Market Funds

By MoneyRates Team | Money Rates Columnist |

A money fund may make a welcome addition to your portfolio, but it's important to note the key traits of these products before you invest.

Car Loan Shopping Tips

By MoneyRates Team | Money Rates Columnist |

Considering a new auto loan? Learn the basics on auto loan shopping, including what to look for in a lender.

What is Commercial Paper?

By MoneyRates Team | Money Rates Columnist |

Learn how commercial paper works and how it can fit into an individual investor's portfolio.

Government Bond Funds and Inflation Protection Funds

By MoneyRates Team | Money Rates Columnist |

Curious whether a bond fund is for you? Research the basics before you make any purchases.

Dividend Stocks

By MoneyRates Team | Money Rates Columnist |

Dividend stocks pay their investors regularly from company profits. Learn five ways you can target reliable dividend stocks for your portfolio.

Choosing an Online Broker

By MoneyRates Team | Money Rates Columnist |

Starting a relationship with an online broker requires knowledge of how these entities work. Find out what you should keep in mind.

Green Banking Tips

By MoneyRates Team | Money Rates Columnist |

What if you could enjoy a great banking experience and help the environment? Green banking may offer you a way to do it.

How to Use Personal Returns

By Joe Taylor | Money Rates Columnist |

Learn how high-yield savings accounts can turn personal returns into long-term capital gains without the fees or risks of the stock market.

Understanding Mortgage Refinance Rates

By Karen Lawson | Money Rates Columnist |

You may save money by refinancing, and you may not. Here's how to determine whether you'll come out ahead.

How Adjustable-Rate Mortgage Loans Work

By Karen Lawson | Money Rates Columnist |

Adjustable-rate mortgages can make sense in some situations, but it's critical that borrowers understand how they work.

Reverse Mortgage Loans: 10 Things to Consider

By Karen Lawson | Money Rates Columnist |

Reverse mortgages provide access to cash from your home's equity, but it's important to fully understand how these products work before signing up.