Because many will not qualify for the very best rates, we’ve also listed more attainable promotional certificate of deposit ...

The average 36-month certificate of deposit currently promises an underwhelming 1.36%, according to the latest government ...

MarketWatch Picks highlights items we think you’ll find useful; we are independent of the MarketWatch newsroom. We might earn a commission from links in this content. Learn more The clock is ticking ...

Looking to grow your savings? The best CD rates today are still offering yields up to 5.11% APY — making right now a great time to lock in a solid return.

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

CDs shine when the economy feels unpredictable (e.g. right now!). You can snag guaranteed returns in the 4.00% APY range and ignore all the noise from Wall Street, Fed chatter, and dramatic headlines.

With Fed cuts expected soon, CDs offer guaranteed returns that a savings account can’t. But deciding if a CD's right for you ...

Learn how building a CD ladder can help you maximize long-term earnings, even once interest rates start to fall.