Yes, CD rates have generally increased in 2023. When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account. Although Silicon Valley Bank, Signature Bank, and First Republic Bank have recently been shut down, keep in mind money is safe at a federally insured financial institution. Our top picks for CDs are protected by FDIC or NCUA insurance. These are our picks for the best 5-year CD rates.
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