Category: CDs & Yields
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The Fed’s hold Wednesday keeps savings yields and card APRs flat, and three officials dissented for a hike
A quarter of the officials voting at the Federal Open Market Committee’s July meeting declined to sign the statement their colleagues released Wednesday afternoon, and all three of them wanted rates moved in the same direction. Not down. Up. The Committee’s decision to leave its benchmark alone carried by a 9 to 3 vote, and…
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I bonds pay 4.26% through October 31, with a $10,000 annual purchase limit.
Series I savings bonds are offering a government-backed way to earn an inflation-linked return without watching a market price move every day. The current terms can be useful for money that will not be needed soon, but the rate, purchase ceiling and withdrawal rules all matter before a household moves cash. What the 4.26% rate…
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CD Ladders for Beginners: How the Rungs Work
A CD ladder splits your savings across staggered maturity dates, so money comes free every year while most of it earns longer-term rates. The mechanics, step by step.
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Where Savings Rates Go After the Fed’s June Meeting
The Fed held rates at 3.5%-3.75% again on June 17. Here’s what that means for savings accounts and CDs, and the numbers to check before you move money.
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Old Savings Bonds Stop Earning: How to Cash Them In
Savings bonds stop earning interest after 30 years. Here is how to check a drawer full of paper bonds, use Treasury Hunt, and cash them in the right way.
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Buying T-Bills at TreasuryDirect: A Beginner’s Walkthrough
Treasury bills are a simple, safe place for short-term cash, and you can buy them directly from the government. Here is how the process works, step by step.
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New I Bond Rate Takes Effect May 1: Worth Buying Now?
I bonds bought May through October 2026 earn 4.26% for six months, with a 0.90% fixed rate for life. Here’s how the rate works and who should buy.
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What the Fed’s April Decision Means for Your Savings
The Fed held rates at 3.5%-3.75% on April 29 with four dissents. What the decision means for savings accounts, CD shoppers, and your next move.
