What Is CD Valet ?
CD Valet is a CD marketplace that features verified CD rates from federally insured banks and credit unions. With tens of thousands of CD offers tracked across the country, CD Valet gives savers a clear view of top rates and helps them explore high-yield CD options with reliable returns.
What Is a CD (Certificate of Deposit) ?
A certificate of deposit (CD) is an account with a fixed interest rate that is generally higher than a regular savings account. CDs typically have a fixed term length and maturity date. CDs typically offer higher returns than traditional savings accounts. Because they offer predictable returns and are typically federally insured, CDs are considered an attractive option for those looking to add safety and steady growth to their portfolio.
How Do I Find the Best CD Rates ? CD Valet brings together verified CD rates from insured banks and credit unions nationwide, so you don't have to check institutions one by one. You can explore top-yielding CDs on our
Best CD Rates page or compare rates by term (
6-month,
12-month,
24-month,
3-year,
4-year,
5-year). You can also view options available in your area using the
CD Rates by State Map. Whether you're new to certificates of deposit or reinvesting existing savings, CD Valet offers a simple way to discover insured CD accounts based on real, institution-posted rates.
How Do I Compare the Best CD Rates Today ? Searching for the best CD rates? With over 30,000 rates featured on our website, CD Valet tracks the highest CD rates available today, updated daily from trusted banks and credit unions. Use our tools to sort by term length, interest rate, and account type so you can confidently choose a high-yield CD that fits your needs.
What Are the Pros of Certificates of Deposit ? - Fixed interest rates provide predictable returns over the duration of the CD term.
- FDIC or NCUA insurance protects your deposit up to $250,000 per depositor, per institution, per ownership category.
- High-yield CDs generally offer higher interest rates than traditional savings accounts.
- Ideal for low-risk investors seeking safe and steady returns.
What Are the Cons of Certificates of Deposit ? - Early withdrawal penalties penalties may apply if funds are accessed before the CD maturity date.
- Limited liquidity, since funds are locked for the full CD term.
- CD interest rates may not keep pace with inflation over time.
- Less flexible than money market accounts or high-yield savings accounts.
How Do I open a CD on CD Valet ? You can easily and securely open a CD by clicking “Open Now” if the CD is offered by one of our partner financial institutions. If the CD is not from one of our featured partners, you can navigate to the financial institution's website to learn how to open an account with them. If you have any questions, please reach out to the financial institution or contact our support team at
support@cdvalet.comWhat is a CD ladder, and should I use one ? A CD ladder is a savings strategy where you open multiple certificates of deposit (CDs) with staggered maturity dates. This allows you to earn higher interest rates while still having regular access to your money.
For example, you might build a ladder using a mix of terms such as a 6-month CD, 12-month CD, 24-month CD, 3-year CD, 4-year CD and 5-year CD.
As each CD matures at different intervals, you can either withdraw the funds or reinvest them into a new long-term CD—helping you stay flexible while consistently capturing competitive rates.
CD Valet’s CD Ladder Guide and calculator make it easy to plan, optimize, and track your ladder strategy.
-01.png&w=3840&q=75)
