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

Indexed bank CDs and variable-rate CDs

MoneyRates Team

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

IRA CDs: Low risk, reliable rewards

Andrew Freiburghouse

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.

FDIC Insurance Limits: Protecting Deposits When Banks Fail

Gina Pogol

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

Karen Lawson

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

Richard Barrington

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

Richard Barrington

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

Basic Guides for CDs

IRA money market accounts to save for retirement

Andrew Freiburghouse

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.

Retirement money market accounts

Andrew Freiburghouse

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 vs. savings accounts

Andrew Freiburghouse

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

Money Market Funds vs. Money Market Accounts

Andrew Freiburghouse

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

Money market accounts primer

Andrew Freiburghouse

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.

Basic Guides for Money Market

Health Savings Accounts and Retirement Guide

Richard Barrington

See how health savings accounts can save you money on taxes, both now and in the future.

Types of savings accounts: 12 options to save money

Richard Barrington

Different savings vehicles have different purposes, and you can choose from a list of a dozen options for saving money.

Building an emergency fund

Richard Barrington

An emergency fund is a key building block for achieving financial security. Learn what it takes to start one.

How to save money: A beginner's guide

Richard Barrington

Building savings starts with setting goals and then employing a variety of investment and money-saving techniques to meet those goals. Learn how it's done.

101 money saving tips

Richard Barrington

Looking for quick ways to save money? These tips can help you trim expenses and start building savings today.

How teens can help parents save for college

Richard Barrington

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.

Comparing savings account and money market rates

Richard Barrington

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.

Which savings account is right for my child?

Richard Barrington

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.

Tips for choosing a bank

MoneyRates Team

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

Specialty banks

MoneyRates Team

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

Online banking: 10 tips for getting started

MoneyRates Team

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

College savings plans

MoneyRates Team

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

International bank and foreign investments

MoneyRates Team

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

Compare savings accounts, money market accounts and CDs

Joe Taylor

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

Health savings accounts: The basics

Richard Barrington

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

How to reconcile your bank account

Karen Lawson

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

Andrew Freiburghouse

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

Calculating interest on a checking account

Andrew Freiburghouse

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

Andrew Freiburghouse

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

11 different types of checking accounts

Andrew Freiburghouse

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

Basic Guides for Checking

How to Avoid Online Brokerage Account Fees: Investment Guide

Richard Barrington

Online stock trading can be surprisingly expensive if you don't know how to minimize commissions and other fees.

Scottrade review: Low fees and strong customer service

Satta Sarmah-Hightower

Trading can be intimidating for beginners. Here is one of several online brokers that make it easy.

Bear markets, corrections and crashes: What bad news about stock investments mean

Richard Barrington

A look at how the recent market slide ties into economic developments and government policy.

How to invest in rental properties: 8 real estate factors to consider

Richard Barrington

A look at what you need to know in order to make an investment in rental property work out for you.

13 reasons why penny stocks are risky: What to know before investing

Richard Barrington

Penny stocks, or microcap stocks, can offer spectacular returns, but more often they are prone to hype and scams.

Net-worth: More than a number?

Richard Barrington

A look at why net worth does not always tell the full story about someone's financial well-being.

10 steps for getting started in investing

Richard Barrington

Investing is a massive and complex field of study, but wading into it gradually with a step-by-step approach can help you learn steadily and minimize your risks.

What is a mutual fund?

Richard Barrington

Mutual funds are a popular investment option today, but they can have widely varying characteristics and levels of risk. Learn what you should know before investing.

A guide to US savings bonds

Richard Barrington

Savings bonds offer excellent security, but there are a few things you should know before you purchase your first bond.

Money market funds: How they work

MoneyRates Team

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.

Auto loan shopping tips

MoneyRates Team

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

Commercial paper for individual investors

MoneyRates Team

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

Government bond funds and inflation protection funds

MoneyRates Team

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

Dividend stocks: The basics

MoneyRates Team

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

About online brokers

MoneyRates Team

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

Understanding mortgage refinance rates

Karen Lawson

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

A primer on adjustable-rate mortgage loans

Karen Lawson

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

Karen Lawson

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.

Basic Guides for Mortgage