Our experts answer readers' banking questions and write unbiased product reviews (here's how we assess banking products). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

Woman checking CD rates on a laptop in her kitchen, wearing glasses and an orange sweater.
To check if a CD is safe, review whether a financial institution is federally insured by the NCUA or FDIC.