Resource library

Savings Library

Every guide, calculator, and checklist we've published on fixed-rate savings decisions — bank CDs, fixed annuities, and the rules around both.

Annuity education

Fixed annuity guides

How fixed annuities work, what the carrier ratings mean, and the safety nets behind a contract.

PDF Guide
CD vs. Fixed Annuity Guide
What your bank won't tell you.
Primer
AM Best Rating Guide
What the grades mean.
Reference
State Guaranty Limits
Coverage by state, all 50.
Calculator
Surrender Estimator
Real cost of early exit.

CD education

Bank CD guides

Calculators and checklists for CD shoppers — coverage limits, penalty math, and what to do at maturity.

Reference
FDIC Coverage Estimator
Check deposit limits.
Calculator
CD Penalty Calculator
Estimate early-exit cost.
Checklist
CD Renewal Checklist
Before auto-renewal.

Plan

Build a savings plan

Three free, no-signup-required tools to size up where your savings could sit before you talk to anyone.

Marketplace
Live Rate Marketplace
Browse current CD and fixed annuity rates side by side.
Email
The Rate Scoop
Weekly email on guaranteed-rate moves. Free.