Best CD rates by term Historically, longer-term CDs pay higher rates. For example, according to data from the Federal Deposit Insurance Corporation (FDIC), six-month CDs averaged 0.78% in 2009 ...

If you’re concerned that rates will fall in the future, a five-year CD can help you guarantee a fixed yield for several years.

Morgan Stanley offers brokered certificates of deposits (CDs) with terms running from 3 to 23 months. Rates across terms are highly competitive, ranging from 4.20% to 4.40%. However, because ...

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