Interest rates on certificates of deposit are pretty attractive right now, but how much you earn depends on your balance.

Start saving today» A certificate ... you to make deposits at different CD maturities as well as have more access to your money in general. 2. Consider whether CD minimum balance requirements ...

A certificate ... your balance will have increased thanks to the account's fixed interest rate. There's no fee to open or maintain a CD, although there's usually a minimum deposit.