CDs & Yields
Buying Your First Treasury Bill at TreasuryDirect
Treasury bills start at $100, mature in a year or less, and skip state income tax. A plain walkthrough of…
APY and APR: What the Two Numbers Really Mean
APY measures what your savings earn with compounding, APR measures what borrowing costs. How each number is built and how…
Money Market Accounts vs Money Market Funds
One is an insured bank deposit and the other is an uninsured mutual fund. How to tell money market accounts…
No-Penalty CDs: The Trade-Off for Flexibility
No-penalty CDs let you pull your money early without the usual fee, in exchange for a lower rate. When that…
Building a CD Ladder That Matches Your Goals
A CD ladder splits your savings across staggered maturity dates so money comes free on a schedule. How to size…