I run an bank review site that features posts about bank cd rates, savings account rates, and checking account bonuses. I put a lot of work into making sure I can provide the best online banking account reviews possible.

If you're thinking about getting a certificate of deposit you might want to consider a cd laddering strategy. A CD ladder are a series of CDs that expire at different times over the course of several years. With this strategy you always have money that's periodically available and you ensure that you never get a low cd rate.