• I compared roast-beef sandwiches at Jimmy John's, Jersey Mike's, and Subway to find the best one.
• The bread at Jimmy John's never fails to impress me, but I thought the rest of the sub was bland.
• My Subway sub was made with remarkably crisp produce, but Jersey Mike's easily had the best meat.

I could probably eat a sandwich for lunch every day for the rest of my life.

On my quest to compare popular chains, I put roast-beef subs from Jimmy John's, Jersey Mike's, and Subway to the test.

I ordered each sandwich on the shop's standard bread and piled them with provolone cheese, lettuce, tomato, and mayo.

Here's how the roast-beef sandwiches stacked up.

Subway is easily one of the biggest fast-food chains.

Subway is one of the largest global chains, but its ubiquity hasn't necessarily led to an overly positive public opinion.

I'll admit that I've been let down by the restaurant more than once, but nonetheless, I count myself among its fans. Because Subway has over 30,000 locations globally, it's still nice to know I can probably grab something familiar at one, no matter where in the world I am.

I ordered a 12-inch roast-beef sub for $16.28, which breaks down to about $1.36 an inch.

The produce at Subway tasted surprisingly fresh.

Subway employees can sometimes go a little heavy on the sauce, but the few stripes of mayo I got were well-portioned.

The bread and cheese were nothing special, but the roast beef was actually pretty tasty — I just wish there was more of it.

The produce truly stood out here. The tomatoes were thickly cut and actually had good flavor, and the lettuce tasted fresh and crisp.

I'd argue that roast beef should be the star of a roast-beef sandwich, but I'm certainly not mad at the Subway sub.

Jimmy John's Big John sandwich was next on my list.

Jimmy John's is a Midwest staple that's spread to over 2,000 locations across the US. It's perhaps most famous for its fresh-baked bread.

I ordered a regular (8-inch) Big John but paid $1 extra to add provolone cheese. The total came to $11.41, or about $1.43 an inch.

The bread makes the meal at Jimmy John's.

Sadly, I thought my roast-beef sandwich from Jimmy John's tasted rather bland overall.

It needed a bit more meat, the meat needed a bit more salt, the cheese was all but undetectable, and the veggies faded into the background.

You'd think that would mean I didn't enjoy this sandwich, but that wasn't the case because of one thing: the bread.

Jimmy John's French bread is good enough to be enjoyed on its own with just some butter or perhaps a spread of Dijon mustard. It readily elevates what would've been an underwhelming sandwich into a perfectly decent meal.

Jersey Mike's served up freshly sliced meat.

New Jersey-based chain Jersey Mikes has over 2,000 locations throughout the US and Canada.

It's famous for building sandwiches with freshly sliced cold cuts, and it was the only chain where I watched an employee slice my roast beef seconds after I placed my order.

My No. 6 (roast beef and provolone) 7-inch sub cost me $12.36, or about $1.77 an inch.

My Jersey Mike's sandwich reminded me of one from a mom-and-pop deli.

The roast beef piled onto my Jersey Mike's sandwich was well over an inch thick. I pulled a few pieces of meat out to try on its own and found that it tasted high quality, too

The provolone cheese also had good flavor, but I didn't think there was enough lettuce, and the tomatoes tasted a bit bland.

However, the biggest issue I had with the sandwich was the rather sloppy, messy assembly. It was difficult to hold together as a cohesive unit, and the mayo was slapped on too heavily and unevenly.

I haven't ordered this enough to know if it was a one-off problem or a consistent problem with the chain's sandwich assembly.

There were pros and cons to each sandwich — I wish I could combine them.

The generous portion of roast beef and the quality of the meat at Jersey Mike's easily would've made it my favorite sandwich had it been assembled with more care.

However, as it is, there were things I liked and disliked about each sub. Jimmy John's sandwich tasted pretty bland despite its amazing bread, and Subway's felt underfilled but had lovely tomatoes and lettuce.

It would be divine if I could combine the meat from Jersey Mike's and the produce from Subway on the bread from Jimmy John's.

• Grocery-store wines vary in quality, and as a sommelier, I'm here to help.
• Cabernet sauvignon is one of the most popular red wines and is easy to find at most stores.
• I found seven different bottles, all $35 and under, that I think are best.

Selecting a bottle of wine can be daunting. The labels often have confusing jargon, and it's hard to know if you're getting a good deal.

As a sommelier, I'm here to help. The good news is you don't have to spend a fortune. There are probably several solid bottles of good-quality wine right at your local grocery store.

Let's start with cabernet sauvignon, one of the world's most widely planted wine grapes that's especially prominent in places like Napa Valley, Bordeaux, and Chile.

Here are seven cabernets I like to pick up at the grocery store, all $35 and under, listed from cheapest to most expensive.

Ironstone Vineyards cabernet sauvignon is easy to drink — and easy to love.

If you're looking for a wine that's super easy to drink and that's enjoyable both on its own or with a weeknight meal, the cabernet sauvignon from Ironstone Vineyards is the one.

At $14, it's also the most affordable option I reach for.

The pleasant, light-red blend offers notes of juicy, ripe fruits on the nose and palate. It has just a touch of residual sugar for those who prefer sweeter fruity notes.

For an organic option, pick up Domaine Bousquet Reserve's cabernet sauvignon.

Domaine Bousquet is a family-owned estate in the Mendoza region of Argentina. Its reserve wines are made with hand-picked, certified organic fruit.

I love the brand's cabernet sauvignon because it tastes exactly like a cab should (full-bodied and dark) for only $18 a bottle.

The wine has a nice tannin structure, so it's on the drier side. Additionally, the notes on both the nose and palate are dark and complex.

In the winter, I reach for Juggernaut Hillside cabernet.

Juggernaut's cabernet — made from grapes on hillside vineyards — majorly over-delivers for its $20 price point.

Upon first taste, the wine is dark-fruited and herbaceous in nature. Then, a smooth and velvety side comes through with some chocolate notes, giving it a rich and warming impression.

It's the perfect winter cabernet to enjoy with a pot roast in front of a crackling fireplace.

Bonterra Estate Collection's cabernet sauvignon is everywhere.

Bonterra, a leader in sustainable winemaking, offers an easier-drinking cabernet sauvignon with little tannin impression, making it less dry and bitter on the palate.

I think it delivers precisely what a cabernet should for $22: A quaffable glass of red everyone can enjoy.

Bonterra is also one of the easiest-to-find brands on the list. It has wide distribution in major retailers such as Whole Foods, Albertsons, and Trader Joe's.

If you're hosting dinner, check out Ancient Peaks' cabernet sauvignon.

From the sprawling Santa Margarita Ranch on the south side of Paso Robles, California, comes a spicy little number from Ancient Peaks Winery.

The brand's $25 cabernet has a more dramatic nose and palate, with notes of cinnamon, cloves, and vanilla.

Although some cabernets can be sipped on their own, this bottle is best enjoyed with food. I think it would shine with a hickory-grilled burger, grilled portabellas, or a spiced pork tenderloin.

Alta Nova's cabernet sauvignon is great if you have a little more room in your budget

Founded and owned by master sommelier Des Echavarrie, Alta Nova highlights wines made from grapes grown at high elevations in Paso Robles, which is located halfway between San Francisco and Los Angeles.

Its $33 cabernet is deep, dark, and brooding in nature, with a good tannin structure. However, it's still a ripe, fruity crowd-pleaser.

Rounding out the top of the list is Rodney Strong's cabernet sauvignon.

Rodney Strong Winery is a legacy Sonoma producer that showcases beautiful grapes from the Alexander Valley.

Its cabernet is dark-fruited, with a lovely note of sweet spice from the oak influence.

Although it's the most expensive on the list at $35, it's the perfect bottle to enjoy with grilled steak or braised short ribs.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

All eyes are watching to see whether the Federal Reserve will cut interest rates for the third time in a row this week, meaning the clock is ticking on the high interest rates on deposits that we've come to expect. With rates rapidly changing, how can you be sure that you're getting the best interest rate?

We monitor rates from banks and credit unions daily to help you feel confident before you open a new account — and now could be a great time to lock in a high rate before APYs go off a cliff. Here are the top rates for popular banks on Wednesday, December 18.

About High-Yield Accounts

High-yield savings accounts aren't the only accounts paying favorable rates right now. You'll typically see the highest rates at online or lower-profile institutions rather than national brands with a significant brick-and-mortar presence. This is normal; online banks have lower overhead costs and are willing to pay high rates to attract new customers.

High-Yield Savings Accounts

The best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. Savings accounts are held at a bank or credit union — not invested through a brokerage account — and are best for saving cash in pursuit of shorter-term goals, like a vacation or big purchase. 

High-Yield Checking Accounts

The best high-yield checking accounts tend to pay slightly lower rates than high-yield savings, but even they are strong in today's rate environment. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. If you transfer money to pay a bill, you typically do it from a checking account. Checking accounts are used for everyday spending and usually come with checks and/or debit cards to make that easy.

Money Market Accounts

The best money market accounts could be considered a middle ground between checking and savings: They are used for saving money but typically provide easy access to your account through checks or a debit card. They usually offer a tiered interest rate depending on your balance.

Cash Management Accounts

A cash management account is also like a savings/checking hybrid. You'll generally see them offered by online banks, and, unlike a checking account, they usually offer unlimited transfers. A savings account often limits the number of monthly transfers, while a checking account doesn't. Cash management accounts typically come with a debit card for easy access, but you may have to pay a fee if you want to deposit cash.

Certificates of Deposit

The best CD rates may outpace any of the other accounts we've described above. That's because a certificate of deposit requires you to "lock in" your money for a predetermined amount of time ranging from three months to five years. To retrieve it before then, you'll pay a penalty (unless you opt for one of the best no-penalty CDs). The longer you'll let the bank hold your money, the higher rate you'll get. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term.

About CD Terms

Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.

No-Penalty CDs

Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.

6-Month CDs

The best 6-month CDs are offering interest rates in the mid-5% range. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term. These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.

1-Year CDs

The best 1-year CDs tend to offer some of the top CD rates, and are a popular option for many investors. A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. 

2-Year CDs

The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.

3-Year CDs

The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.

5-Year CDs

The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.

• To find the best store-bought hot cocoa, I tried prepackaged powders from five different brands.
• I bought standard mixes from Ghirardelli, Hershey's, Land O'Lakes, Publix, and Swiss Miss.
• Ghirardelli's hot cocoa was the best — it was rich and chocolaty.

There are a lot of hot-cocoa mixes at the grocery store, but which is the best?

To find out, I reviewed standard mixes from Ghirardelli, Hershey's, Land O'Lakes, Publix, and Swiss Miss. To keep things consistent, I made each with warm water instead of milk.

Here's a breakdown of how they compared, plus which store-bought hot cocoa I liked the best. 

I first tried Publix's original hot-cocoa mix.

This store-brand hot-cocoa mix had the simplest packaging, from the brown-and-white box to the plain single-serve bags.

The package featured instructions for preparing the hot cocoa using hot water and a microwave.

I had a small microwave mishap, but it didn't affect the hot cocoa's flavor.

Per the package instructions, I mixed the contents of a singular pouch with 3/4 cup (6 ounces) of water in a mug and heated the drink in the microwave for a minute and a half.

I wasn't watching the mug closely, and the hot cocoa overflowed a few seconds before it was done warming up.

I waited for the hot cocoa to cool enough before trying it, but I thought it tasted very sweet and watery and lacked a strong chocolate flavor.

I tried Hershey's milk-chocolate-flavored mix, which has "real milk" as an ingredient.

I imagined this hot cocoa would taste like a melted Hershey's chocolate bar, and I was looking forward to trying it. 

Each single-serve packet had foil edges to resemble the iconic Hershey's bar wrapper, which I thought was a nice touch. 

Although the hot cocoa didn't spill this time, its flavor was disappointing.

I followed the package instructions and microwaved 3/4 cup of water for a minute. Then, I added the cocoa mix and stirred until it was fully dissolved. The water must not have been hot enough, though, because some powder pooled at the top.

Although Hershey's hot cocoa had a richer feel and smoother texture compared to Publix's, the flavor was unusual and hard to place.

It tasted slightly bitter and very artificial — definitely not like chocolate, Hershey's or otherwise. 

I'm most familiar with Swiss Miss hot cocoa.

I drank Swiss Miss growing up, so it's the brand I most associate with hot cocoa.

Although I'd usually go for the marshmallow variety, I picked up the milk-chocolate flavor for the sake of consistency in this taste test.

Swiss Miss' hot cocoa was frothy and made the largest cup.

The other hot-cocoa mixes called for 3/4 cup water, but Swiss Miss' required a full cup, so I got felt like I got more bang for my buck. All of the powder quickly dissolved in the hot water without hassle.

Although the chocolate flavor wasn't strong, the taste was balanced — not too sweet or too milky. Despite not tasting the sweetest, it had the most added sugar of any brand I tried at 28 grams per serving. 

This Ghirardelli's hot-cocoa mix is made with semisweet chocolate chips.

The Ghirardelli hot-cocoa mix had the most polished packaging, which was a nice touch that suggested a more premium product and experience.

The instructions on the box included options for cooktop and microwave preparation but also offered a third recipe for "decadent hot chocolate," in which a square of Ghirardelli chocolate is added to the drink.

My first sip of the Ghirardelli hot cocoa was rich and chocolaty.

I added the package contents to a mug with 3/4 cup of water and microwaved it for a minute.

The Ghirardelli hot cocoa definitely had the most intense chocolate flavor, which I appreciated. The drink's rich taste and texture felt gourmet, but it wasn't heavy enough that I couldn't finish the whole cup.

There was a depth of flavor and body to this hot cocoa that stood out above the others — it almost reminded me of drinking a bar of chocolate.

The last hot cocoa I tried was from Land O'Lakes.

This hot-cocoa mix was the only one I found sold as a single-serve packet, which is nice if you want to sample different flavors.

I also liked that Land O'Lakes had a range of fun flavors, like mint, raspberry, caramel, hazelnut, and Irish creme.

The packet offered instructions for preparing the cocoa as a hot or cold drink.

Land O'Lakes' hot cocoa had a creamy texture, but the strongest flavor didn't seem to be chocolate.

I followed the instructions for the warm alternative, pouring the mix into a mug and stirring in 3/4 cup of hot water. 

Like the Hershey's hot cocoa, the Land O'Lakes mix didn't taste much like chocolate — it was sweet, with hints of caramel and vanilla. Despite not having the expected flavor, this hot cocoa was more enjoyable than some others because of its creamy texture that wasn't too watery.

Although these hot-cocoa mixes were inexpensive and easily accessible, they lacked the deep, chocolaty flavor I craved.

As I conducted this taste test, it became clear that prepackaged hot cocoa wasn't the best option for a drink with a rich texture and deep chocolate flavor.

For these qualities, I'd recommend making hot chocolate, which is made with melted chocolate instead of cocoa powder.

Even so, Ghirardelli's hot cocoa was the clear winner of this taste test.

Ghirardelli's hot cocoa satisfied my desire for a rich, chocolaty drink, and its thicker texture made it taste more gourmet than the others.

My runner-up is Swiss Miss because of the nostalgia factor and the balanced flavor — it wasn't too sweet nor so milky that the chocolate flavor disappeared.

• This story was originally published on November 16, 2020, and most recently updated on December 17, 2024.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

All eyes are watching to see whether the Federal Reserve will cut interest rates for the third time in a row this week, meaning the clock is ticking on the high interest rates for deposits that we've come to expect. With rates rapidly changing, how can you be sure that you're getting the best interest rate?

We monitor rates from banks and credit unions daily to help you feel confident before you open a new account — and now could be a great time to lock in a high rate before APYs go off a cliff. Here are the top rates for popular banks on Tuesday, December 17.

About High-Yield Accounts

High-yield savings accounts aren't the only accounts paying favorable rates right now. You'll typically see the highest rates at online or lower-profile institutions rather than national brands with a significant brick-and-mortar presence. This is normal; online banks have lower overhead costs and are willing to pay high rates to attract new customers.

High-Yield Savings Accounts

The best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. Savings accounts are held at a bank or credit union — not invested through a brokerage account — and are best for saving cash in pursuit of shorter-term goals, like a vacation or big purchase. 

High-Yield Checking Accounts

The best high-yield checking accounts tend to pay slightly lower rates than high-yield savings, but even they are strong in today's rate environment. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. If you transfer money to pay a bill, you typically do it from a checking account. Checking accounts are used for everyday spending and usually come with checks and/or debit cards to make that easy.

Money Market Accounts

The best money market accounts could be considered a middle ground between checking and savings: They are used for saving money but typically provide easy access to your account through checks or a debit card. They usually offer a tiered interest rate depending on your balance.

Cash Management Accounts

A cash management account is also like a savings/checking hybrid. You'll generally see them offered by online banks, and, unlike a checking account, they usually offer unlimited transfers. A savings account often limits the number of monthly transfers, while a checking account doesn't. Cash management accounts typically come with a debit card for easy access, but you may have to pay a fee if you want to deposit cash.

Certificates of Deposit

The best CD rates may outpace any of the other accounts we've described above. That's because a certificate of deposit requires you to "lock in" your money for a predetermined amount of time ranging from three months to five years. To retrieve it before then, you'll pay a penalty (unless you opt for one of the best no-penalty CDs). The longer you'll let the bank hold your money, the higher rate you'll get. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term.

About CD Terms

Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.

No-Penalty CDs

Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.

6-Month CDs

The best 6-month CDs are offering interest rates in the mid-5% range. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term. These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.

1-Year CDs

The best 1-year CDs tend to offer some of the top CD rates, and are a popular option for many investors. A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. 

2-Year CDs

The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.

3-Year CDs

The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.

5-Year CDs

The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

The Federal Reserve cut rates in its last two meetings, meaning the clock is ticking on the high interest rates for deposits we've come to expect. With rates rapidly changing, how can you be sure that you're getting the best interest rate?

We monitor rates from banks and credit unions daily to help you feel confident before you open a new account — and now could be a great time to lock in a high rate before APYs go off a cliff. Here are the top rates for popular banks on Monday, December 16.

About High-Yield Accounts

High-yield savings accounts aren't the only accounts paying favorable rates right now. You'll typically see the highest rates at online or lower-profile institutions rather than national brands with a significant brick-and-mortar presence. This is normal; online banks have lower overhead costs and are willing to pay high rates to attract new customers.

High-Yield Savings Accounts

The best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. Savings accounts are held at a bank or credit union — not invested through a brokerage account — and are best for saving cash in pursuit of shorter-term goals, like a vacation or big purchase. 

High-Yield Checking Accounts

The best high-yield checking accounts tend to pay slightly lower rates than high-yield savings, but even they are strong in today's rate environment. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. If you transfer money to pay a bill, you typically do it from a checking account. Checking accounts are used for everyday spending and usually come with checks and/or debit cards to make that easy.

Money Market Accounts

The best money market accounts could be considered a middle ground between checking and savings: They are used for saving money but typically provide easy access to your account through checks or a debit card. They usually offer a tiered interest rate depending on your balance.

Cash Management Accounts

A cash management account is also like a savings/checking hybrid. You'll generally see them offered by online banks, and, unlike a checking account, they usually offer unlimited transfers. A savings account often limits the number of monthly transfers, while a checking account doesn't. Cash management accounts typically come with a debit card for easy access, but you may have to pay a fee if you want to deposit cash.

Certificates of Deposit

The best CD rates may outpace any of the other accounts we've described above. That's because a certificate of deposit requires you to "lock in" your money for a predetermined amount of time ranging from three months to five years. To retrieve it before then, you'll pay a penalty (unless you opt for one of the best no-penalty CDs). The longer you'll let the bank hold your money, the higher rate you'll get. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term.

About CD Terms

Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.

No-Penalty CDs

Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.

6-Month CDs

The best 6-month CDs are offering interest rates in the mid-5% range. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term. These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.

1-Year CDs

The best 1-year CDs tend to offer some of the top CD rates, and are a popular option for many investors. A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. 

2-Year CDs

The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.

3-Year CDs

The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.

5-Year CDs

The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

The Federal Reserve cut rates in its last two meetings, meaning the clock is ticking on the high interest rates for deposits we've come to expect. With rates rapidly changing, how can you be sure that you're getting the best interest rate?

We monitor rates from banks and credit unions daily to help you feel confident before you open a new account — and now could be a great time to lock in a high rate before APYs go off a cliff. Here are the top rates for popular banks on Sunday, December 15.

About High-Yield Accounts

High-yield savings accounts aren't the only accounts paying favorable rates right now. You'll typically see the highest rates at online or lower-profile institutions rather than national brands with a significant brick-and-mortar presence. This is normal; online banks have lower overhead costs and are willing to pay high rates to attract new customers.

High-Yield Savings Accounts

The best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. Savings accounts are held at a bank or credit union — not invested through a brokerage account — and are best for saving cash in pursuit of shorter-term goals, like a vacation or big purchase. 

High-Yield Checking Accounts

The best high-yield checking accounts tend to pay slightly lower rates than high-yield savings, but even they are strong in today's rate environment. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. If you transfer money to pay a bill, you typically do it from a checking account. Checking accounts are used for everyday spending and usually come with checks and/or debit cards to make that easy.

Money Market Accounts

The best money market accounts could be considered a middle ground between checking and savings: They are used for saving money but typically provide easy access to your account through checks or a debit card. They usually offer a tiered interest rate depending on your balance.

Cash Management Accounts

A cash management account is also like a savings/checking hybrid. You'll generally see them offered by online banks, and, unlike a checking account, they usually offer unlimited transfers. A savings account often limits the number of monthly transfers, while a checking account doesn't. Cash management accounts typically come with a debit card for easy access, but you may have to pay a fee if you want to deposit cash.

Certificates of Deposit

The best CD rates may outpace any of the other accounts we've described above. That's because a certificate of deposit requires you to "lock in" your money for a predetermined amount of time ranging from three months to five years. To retrieve it before then, you'll pay a penalty (unless you opt for one of the best no-penalty CDs). The longer you'll let the bank hold your money, the higher rate you'll get. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term.

About CD Terms

Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.

No-Penalty CDs

Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.

6-Month CDs

The best 6-month CDs are offering interest rates in the mid-5% range. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term. These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.

1-Year CDs

The best 1-year CDs tend to offer some of the top CD rates, and are a popular option for many investors. A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. 

2-Year CDs

The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.

3-Year CDs

The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.

5-Year CDs

The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

The Federal Reserve cut rates in its last two meetings, meaning the clock is ticking on the high interest rates for deposits we've come to expect. With rates rapidly changing, how can you be sure that you're getting the best interest rate?

We monitor rates from banks and credit unions daily to help you feel confident before you open a new account — and now could be a great time to lock in a high rate before APYs go off a cliff. Here are the top rates for popular banks on Saturday, December 14.

About High-Yield Accounts

High-yield savings accounts aren't the only accounts paying favorable rates right now. You'll typically see the highest rates at online or lower-profile institutions rather than national brands with a significant brick-and-mortar presence. This is normal; online banks have lower overhead costs and are willing to pay high rates to attract new customers.

High-Yield Savings Accounts

The best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. Savings accounts are held at a bank or credit union — not invested through a brokerage account — and are best for saving cash in pursuit of shorter-term goals, like a vacation or big purchase. 

High-Yield Checking Accounts

The best high-yield checking accounts tend to pay slightly lower rates than high-yield savings, but even they are strong in today's rate environment. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. If you transfer money to pay a bill, you typically do it from a checking account. Checking accounts are used for everyday spending and usually come with checks and/or debit cards to make that easy.

Money Market Accounts

The best money market accounts could be considered a middle ground between checking and savings: They are used for saving money but typically provide easy access to your account through checks or a debit card. They usually offer a tiered interest rate depending on your balance.

Cash Management Accounts

A cash management account is also like a savings/checking hybrid. You'll generally see them offered by online banks, and, unlike a checking account, they usually offer unlimited transfers. A savings account often limits the number of monthly transfers, while a checking account doesn't. Cash management accounts typically come with a debit card for easy access, but you may have to pay a fee if you want to deposit cash.

Certificates of Deposit

The best CD rates may outpace any of the other accounts we've described above. That's because a certificate of deposit requires you to "lock in" your money for a predetermined amount of time ranging from three months to five years. To retrieve it before then, you'll pay a penalty (unless you opt for one of the best no-penalty CDs). The longer you'll let the bank hold your money, the higher rate you'll get. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term.

About CD Terms

Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.

No-Penalty CDs

Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.

6-Month CDs

The best 6-month CDs are offering interest rates in the mid-5% range. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term. These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.

1-Year CDs

The best 1-year CDs tend to offer some of the top CD rates, and are a popular option for many investors. A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. 

2-Year CDs

The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.

3-Year CDs

The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.

5-Year CDs

The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.

• My family tried and ranked plain Greek yogurt from four grocery stores.
• My daughter and I thought Trader Joe's Greek nonfat yogurt had an odd flavor.
• The organic plain nonfat Greek yogurt from Wegmans was our winner.

My family consumes a lot of Greek yogurt — most brands are low in carbs, high in protein, and contain probiotics. Plus, it serves as a filling breakfast or snack for my daughter.

Though many brands offer Greek-style varieties, I find they're often twice the price of standard plain yogurt. So, to see which Greek yogurt is the best value, I tried store-brand versions from Trader Joe's, Whole Foods, Costco, and Wegmans.

I bought the most basic plain Greek yogurt I could find at each store and sampled them without any toppings. All were nonfat except the 365 brand from Whole Foods, which contained 3.5% milk fat.

Here's how the Greek yogurt stacked up, from worst to best.

Trader Joe's nonfat plain Greek yogurt had a medium-thick consistency. 

I liked that Trader Joe's option didn't have the ubiquitous pool of milky whey that sometimes settles on top of yogurt when I open it. The yogurt seemed to have a nice, medium-thick consistency. 

At $5.50, the 32-ounce tub of Greek yogurt was the least expensive of the four brands I tried. 

The yogurt was creamy but a bit too tangy for my taste.

Sadly, I thought this yogurt had an intensely tangy, almost sour flavor. Because of its standout creaminess, I'd be more inclined to buy Trader Joe's flavored Greek yogurt with honey the next time I'm at the store.

The 365 organic 3.5% milk fat plain Greek yogurt from Whole Foods was the most expensive option. 

At $6.70, this 32-ounce tub was the highest-priced yogurt I tried. When I opened the container, the yogurt looked creamy and smooth.

The 365 Greek yogurt tasted mildly sweet, with no tanginess. 

The 365 Greek yogurt tasted fresh and was well-balanced — mildly sweet and not too tangy or tart.

I'd likely use this yogurt in one of my smoothies, as I don't feel it would alter the taste but would add a nice boost of protein.

The Kirkland Signature organic nonfat plain Greek yogurt from Costco was the best bang for my buck.

Costco sells many items in bulk, including the $6 Kirkland Signature organic nonfat Greek yogurt, which comes in a 48-ounce tub. 

At cost-per-ounce, it was the best-value item in this taste test. The entire tub was cheaper than the 365 organic yogurt from Whole Foods and contained 16 more ounces.

The Kirkland Signature yogurt would make a great base for fruit or granola. 

The Kirkland Signature yogurt was rich and full-bodied, with just enough tartness to give it some depth. 

I appreciated that this yogurt, though less dense than the others, didn't have a puddle of whey at the top. It seemed like an ideal base for fruit, granola, or other add-ins.

Finally, I tried Wegmans' organic nonfat plain Greek yogurt.

The 32-ounce tub of organic Greek yogurt from Wegmans cost $6 — a pleasant surprise, as I thought it would be more expensive.

Some whey floated at the top of the yogurt, but only creamy goodness remained once I dumped it out. 

The yogurt from Wegmans was my favorite.

This Greek yogurt was creamy and smooth with the slightest tang, making it a solid base for add-ins. I think its light consistency would also be ideal for recipes that call for Greek yogurt.

Notably, this yogurt had the most sugar (7 grams) of all four options. My daughter also liked it the most, so I plan on packing it in a container with some toppings for her lunch.

I liked this yogurt so much that I'm permanently keeping it in my refrigerator. The next time we need Greek yogurt, I'll reach for this one from Wegmans.

This story was originally published on June 9, 2024, and most recently updated on December 13, 2024.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

The Federal Reserve cut interest rates in its last two meetings, meaning the clock is ticking on the high rates for deposits we've come to expect. With rates rapidly changing, how can you know that you're getting the best interest rate?

We monitor rates from banks and credit unions daily to help you feel confident before you open a new account — and now could be a great time to lock in a high rate before APYs go off a cliff. Here are the top rates for popular banks on Friday, December 13.

About High-Yield Accounts

High-yield savings accounts aren't the only accounts paying favorable rates right now. You'll typically see the highest rates at online or lower-profile institutions rather than national brands with a significant brick-and-mortar presence. This is normal; online banks have lower overhead costs and are willing to pay high rates to attract new customers.

High-Yield Savings Accounts

The best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. Savings accounts are held at a bank or credit union — not invested through a brokerage account — and are best for saving cash in pursuit of shorter-term goals, like a vacation or big purchase. 

High-Yield Checking Accounts

The best high-yield checking accounts tend to pay slightly lower rates than high-yield savings, but even they are strong in today's rate environment. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. If you transfer money to pay a bill, you typically do it from a checking account. Checking accounts are used for everyday spending and usually come with checks and/or debit cards to make that easy.

Money Market Accounts

The best money market accounts could be considered a middle ground between checking and savings: They are used for saving money but typically provide easy access to your account through checks or a debit card. They usually offer a tiered interest rate depending on your balance.

Cash Management Accounts

A cash management account is also like a savings/checking hybrid. You'll generally see them offered by online banks, and, unlike a checking account, they usually offer unlimited transfers. A savings account often limits the number of monthly transfers, while a checking account doesn't. Cash management accounts typically come with a debit card for easy access, but you may have to pay a fee if you want to deposit cash.

Certificates of Deposit

The best CD rates may outpace any of the other accounts we've described above. That's because a certificate of deposit requires you to "lock in" your money for a predetermined amount of time ranging from three months to five years. To retrieve it before then, you'll pay a penalty (unless you opt for one of the best no-penalty CDs). The longer you'll let the bank hold your money, the higher rate you'll get. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term.

About CD Terms

Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.

No-Penalty CDs

Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.

6-Month CDs

The best 6-month CDs are offering interest rates in the mid-5% range. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term. These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.

1-Year CDs

The best 1-year CDs tend to offer some of the top CD rates, and are a popular option for many investors. A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. 

2-Year CDs

The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.

3-Year CDs

The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.

5-Year CDs

The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.

Google has ended a test in which it was returning basic “blue link” search results for hotel-related searches in a handful of markets in the European Union, in response to compliance complaints related to the bloc’s Digital Markets Act (DMA). These blue links appeared instead of visually richer results, where its search engine will display […]

© 2024 TechCrunch. All rights reserved. For personal use only.

• I tried 13 of Trader Joe's holiday meal items to see which ingredients and appetizers were the best.
• I don't think I'd buy Trader Joe's artichoke bread pudding or Portuguese bacalhau tartelettes again.
• I was a big fan of Trader Joe's family-style meat lasagna and eggplant parmigiana sfogliatelle.

When it comes to seasonal meal items at Trader Joe's, it can be difficult to figure out what to get to entertain family and friends for the holidays.

So, I tried 13 of Trader Joe's holiday food items to see which were the best and what I wouldn't get next time.

Here's how each food item stacked up.

Editor's Note: This story was originally published on December 22, 2023, and most recently updated on December 11, 2024. Product availability varies — some items on this list may not currently be available at Trader Joe's.

The eggplant parmigiana sfogliatelle seemed like an easy-to-make appetizer.

Trader Joe's eggplant parmigiana sfogliatelle was the first time I saw sfogliatelle, an Italian pastry, used in a savory dish.

I thought the delicate layered pastry would make for a phenomenal texture.

The eggplant parmigiana sfogliatelle was a satisfying, cheesy appetizer.

When I baked the appetizer, the exterior became crispy and flaky, and the interior was moist and chewy.

The eggplant pieces pulled apart easily, though the cheesy, saucy filling was a little messy.

They were simple to make in the air fryer, and I thought they looked more elegant than anything you'd expect to come from the freezer aisle.

Trader Joe's figgy cheddar combines sweet and savory notes.

I wasn't sure if I'd like Trader Joe's figgy cheddar because I usually prefer unadulterated cheeses. However, I decided to give it a try.

The figgy cheddar was so hearty and rich that it hardly needed a cracker.

The fig flavor gave the cheese a subtle hint of sweetness, and the rum (in which the figs were marinated) contributed a light, pleasant spiced note.

The cheese paired well with the chili cracker from Trader Joe's scalloped cracker trio, as the sweetness of the fig complemented the spice.

I thought Trader Joe's mini quiche duo looked delicious.

This pack of Trader Joe's mini quiches comes with two flavors: uncured bacon with sweet onion and Swiss cheese with mushroom.

Out of the package, I thought they looked promising and perfectly portioned.

These tasty two-bite appetizers were ready in 10 minutes.

The mini quiches were surprisingly moist.

I especially liked the version with uncured bacon and sweet onion, because they had a nice smoky flavor.

My wife preferred the mushroom-and-Swiss option, but that one was a touch too mushroom-heavy for my taste.

I wasn't sure how good Trader Joe's family-style meat lasagna would actually be.

Lasagna is a holiday staple for the Italian-American half of my family, so I had high expectations for Trader Joe's family-style meat lasagna.

Don’t tell my actual family that I enjoyed the meat lasagna.

At first glance, the components of the baked lasagna were oddly distributed — all the meat sauce was on top of the noodles and the bottom layers were solely pasta and ricotta.

Luckily, there was plenty of sauce to spread around.

I wouldn't be able to pass it off as homemade, but it was good enough to buy for my family of four again.

However, if the Italian side of my family finds out I'm praising a store-bought lasagna, I might not be welcome at the next party.

Trader Joe's shrimp pouches of many colors looked like a festive treat.

If there's one thing I could tell from Trader Joe's shrimp pouches of many colors, it's that food in various hues is always better than boring old monochromatic options.

The tasty shrimp pouches were an especially fun treat for my kids.

My 3-year-old daughter squealed with delight and insisted on trying each color when she saw these festive dumplings.

I pan-fried my shrimp dumplings so they'd be crunchy on the outside and soft on the inside.

The dumplings weren't anything super special, but they were still pretty good and fun to look at.

I'll likely serve these as an appetizer this holiday season.

Trader Joe's Brie en croûte didn’t look great, but it's hard to mess up baked cheese.

The label for Trader Joe's Brie en croûte listed all sorts of ways to gussy the thing up — like dolloping raspberry preserves or red peppers and pine nuts on top.

I went for the most basic preparation.

The baked Brie was surprisingly delicious.

On its own, the pastry-wrapped Brie didn't look like something I'd want to put out for guests.

But when I sliced into it, all the molten Brie came cascading out, and I was reminded that cheese is delicious.

I thought the Brie paired perfectly with the flaky bits of pastry.

Trader Joe's scalloped cracker trio might prove to be divisive on a cheese plate.

Many people eat crackers straight from a box, but I usually prefer them crumbled into soup or used as a vessel for a spread.

Though these crackers come in rosemary, red-chili, and garlic flavors, my family wasn't exactly thrilled to try Trader Joe's scalloped cracker trio.

I had fun experimenting with different cheese-and-cracker pairings.

The crackers were a bit thicker and less crunchy than the kinds we usually like.

That being said, they were heartier, and I could see them holding up on a charcuterie tray, especially if dipped into an antipasto spread.

Trader Joe's fried olive bites reminded me of another classic appetizer.

Trader Joe's fried olive bites looked like a simple variation of jalapeño poppers.

When I air-fried them, a lot of the cheese filling oozed out onto the appliance's tray.

The olive flavor was very powerful.

I expected a full olive stuffed with cheese, but these were more like breaded and fried cheese-filled balls of olive tapenade.

If you truly love the flavor of olives, this is the appetizer for you.

Trader Joe's holiday vegetable hash comes with a myriad of vegetables and herbs.

The label on Trader Joe's holiday hash suggests using the mix of diced butternut squash, sweet potato, red onion, and celery in soups and stuffings.

I sautéed the hash to use as a side dish.

The hash would be a better ingredient than a side dish.

The holiday hash was tasty, thanks to the sage's assertive flavor and the squash's sweetness.

However, the slightly mushy hash didn't look the most appetizing, and it even turned off my squash-loving son.

Still, I could imagine it being a time-saver if I was making a wintertime stew.

I was excited to try Trader Joe's uncured bacon-wrapped porchetta pork roast.

As a porchetta lover, I had high hopes for Trader Joe's uncured bacon-wrapped porchetta pork roast.

Per the instructions, I roasted the pork at 500 degrees Fahrenheit until the bacon was browned and crispy.

This was supposed to take 25 minutes, but the bacon didn't seem that crispy even after 30 minutes in the oven.

I still followed the instructions and lowered the temperature to 325 degrees, as I feared I'd scorch the thing.

By the time it was finished, the inside was a little dry, but the bacon wasn’t very crunchy.

I enjoy rosemary, but, in my opinion, too much of the herb was stuffed into the pork.

The meat tasted best in a sandwich alongside the holiday vegetable hash, as the vegetables and bread helped cut the rosemary flavor.

Trader Joe's cranberry chevre had pieces of fruit inside the cheese.

I assumed Trader Joe's cranberry chevre would just be goat cheese rolled in sweetened, dried cranberries. However, it looked like the fruit was also whipped into the cheese.

I might have liked the cranberry chevre if it was presented as a dessert.

I didn't find the chevre to have enough of a tangy edge.

It was OK on one of the rosemary crackers from the scalloped cracker trio, but I could also picture it on a sandwich with the porchetta and holiday hash.

Trader Joe's artichoke bread pudding looked interesting.

I didn't know what to expect from Trader Joe's artichoke bread pudding.

Judging from the label, it seemed like a reconfiguration of stuffed artichokes.

The bread pudding also came in an oven-safe casserole dish.

I thought Trader Joe's artichoke bread pudding looked unappetizing and greasy.

The oven didn't fix the bread pudding's off-putting appearance, in my opinion.

Taste-wise, it was too heavy and had a strong black-pepper flavor.

It was the type of thing that tasted good on the first bite but was unpleasant by the third.

I wasn't sure how Trader Joe's Portuguese bacalhau tartelettes would taste.

I wasn't certain if I'd like Trader Joe's Portuguese tarts, which had a filling of bechamel, egg yolks, diced potato, and salted cod.

I tried not to let the "cod custard tarts" label deter me.

To put it gently, bacalhau tarts are not for me.

We try pretty hard not to waste much food in my household but we didn't even come close to finishing the tarts.

These were a bit like a cream-based seafood chowder embedded in pastry, but they mostly tasted like goopy cod.

• I tried three kinds of packaged ginger cookies from the grocery store.
• Tate's gluten-free ginger zinger cookies impressed me with bits of crystallized ginger.
• The best store-bought gingerbread cookies were Little Debbie's iced gingerbread cookies.

Nothing says the holiday season like a ginger cookie for dessert.

Many brands release seasonal versions of their most popular items during the holidays, from peppermint Milano cookies to Reese's peanut-butter Christmas trees.

I tried three kinds of ginger-flavored cookies, all of which can be found on most grocery store shelves and pack just the right amount of spice for the holiday season.

Here's how store-bought gingerbread cookies ranked, from worst to best.

My least favorite brand of cookie was Tate's Bake Shop's gingersnap cookies.

The bag cost $5.79 at my local Key Food Marketplace.

The bag came with 14 cookies.

This is comparable to other brands of packaged cookies I usually buy.

The cookies were very crispy, but they were not hard to bite into.

Sometimes I find ginger snaps can be a little tough, but these ones crumbled easily.

The cookies were a touch too spicy for my liking.

I thought the cookies tasted strongly of spices like cinnamon and molasses but were slightly off-balance in sweetness.

These cookies were borderline spicy, which I'm personally not a huge fan of. However, I did enjoy the texture.

Next up were Tate's gluten-free ginger zinger cookies.

These cookies, the most expensive of the ones I tried, cost $5.99 at my local Key Food Marketplace.

This package also came with 14 cookies.

However, unlike the ginger snaps, these cookies supposedly contained pieces of crystallized ginger. I was excited to see how the flavors would measure up.

The cookies were about the same size as the ginger snaps but slightly thicker.

I could also see the pieces of ginger on the surface of the crispy cookies.

These cookies were sweet, with just the right amount of ginger flavor.

I loved the texture of the crispy cookies and the crystallized ginger and thought these were just as good as any non-gluten-free cookies I've ever tried.

My favorite of the three kinds of ginger cookies was the Christmas gingerbread soft cookies from Little Debbie.

At my local Stop & Shop grocery store, a box of eight cookies cost $3.59. They were the least expensive, but the box also contained the fewest cookies.

Each cookie came individually wrapped.

I thought these cookies would be a really cute touch for a festive school lunch or snack on the go.

The cookies were sweeter than the other two kinds I tried.

The icing and smattering of red and green sprinkles upped the sweetness, but I also preferred the softer texture of these gingerbread cookies compared to the other two kinds.

Aesthetically, I also thought these were the most festive for the holiday season.

The cookies brought me back to my childhood with their perfect balance of sweetness, spiciness, and soft texture.

While I enjoyed all of these cookies, I would choose the classic gingerbread cookies for a sweet, festive treat.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

In its last two meetings, the Federal Reserve cut interest rates for the first time in four years, meaning the clock is ticking on the high interest rates on deposits that we've come to expect. With rates rapidly changing, how can you be sure that you're getting the best interest rate?

We monitor rates from banks and credit unions daily to help you feel confident before you open a new account — and now could be a great time to lock in a high rate before APYs go off a cliff. Here are the top rates for popular banks on Wednesday, December 11.

About High-Yield Accounts

High-yield savings accounts aren't the only accounts paying favorable rates right now. You'll typically see the highest rates at online or lower-profile institutions rather than national brands with a significant brick-and-mortar presence. This is normal; online banks have lower overhead costs and are willing to pay high rates to attract new customers.

High-Yield Savings Accounts

The best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. Savings accounts are held at a bank or credit union — not invested through a brokerage account — and are best for saving cash in pursuit of shorter-term goals, like a vacation or big purchase. 

High-Yield Checking Accounts

The best high-yield checking accounts tend to pay slightly lower rates than high-yield savings, but even they are strong in today's rate environment. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. If you transfer money to pay a bill, you typically do it from a checking account. Checking accounts are used for everyday spending and usually come with checks and/or debit cards to make that easy.

Money Market Accounts

The best money market accounts could be considered a middle ground between checking and savings: They are used for saving money but typically provide easy access to your account through checks or a debit card. They usually offer a tiered interest rate depending on your balance.

Cash Management Accounts

A cash management account is also like a savings/checking hybrid. You'll generally see them offered by online banks, and, unlike a checking account, they usually offer unlimited transfers. A savings account often limits the number of monthly transfers, while a checking account doesn't. Cash management accounts typically come with a debit card for easy access, but you may have to pay a fee if you want to deposit cash.

Certificates of Deposit

The best CD rates may outpace any of the other accounts we've described above. That's because a certificate of deposit requires you to "lock in" your money for a predetermined amount of time ranging from three months to five years. To retrieve it before then, you'll pay a penalty (unless you opt for one of the best no-penalty CDs). The longer you'll let the bank hold your money, the higher rate you'll get. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term.

About CD Terms

Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.

No-Penalty CDs

Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.

6-Month CDs

The best 6-month CDs are offering interest rates in the mid-5% range. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term. These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.

1-Year CDs

The best 1-year CDs tend to offer some of the top CD rates, and are a popular option for many investors. A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. 

2-Year CDs

The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.

3-Year CDs

The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.

5-Year CDs

The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.

• The Nikon Comedy Wildlife Awards recognize the funniest images in wildlife photography.
• The 2024 contest benefits the Whitley Fund for Nature, a wildlife conservation charity.
• Photos show bears, otters, seals, zebras, penguins, and other animals striking hilarious poses.

The Nikon Comedy Wildlife Awards announced the winners of its 2024 photography contest on Tuesday.

The photos feature a variety of animals striking amusing poses in the wild and spotlight the photographers' skills and ingenuity.

In September, 40 finalists were chosen out of 9,000 entries from 98 countries. A panel of judges chose the winning photos in categories highlighting mammals, birds, insects, reptiles, and aquatic animals, as well as 10 "highly commended" photos and an overall winner. Fans of the contest also voted for their favorite image to win the People's Choice award.

The photography contest benefits the Whitley Fund for Nature, a UK charity that awards grants to environmental and wildlife conservation leaders.

Take a look at the funniest wildlife photos of the year. Photographers' captions have been condensed and edited for clarity.

Finalist: "Holding On for a Ride" by Alexander Fine

"After a nap, the mother brown bear wanted to go for a walk, but the cubs wanted a ride," Fine wrote.

Finalist: "Peekaboo" by Alexander Fine

Fine photographed a blenny fish peeking out from a hole in a coral reef.

Finalist: "Hello World" by Alexander Pansier

"It was hard to take this image because of the fast-moving ant, but with a little help from a flashlight, I was able to freeze the motion," Pansier wrote.

Finalist: "In Love" by Andrea Rosado

Rosado photographed two bears embracing in Sitka, Alaska.

Finalist: "England Cricket's Latest Secret Weapon" by Andy Rouse

"I took this photo of a dancing sifaka in Madagascar," Rouse wrote. "As it ran toward us, it created all sorts of funny shapes, but this one was the best. It looks to me like it is practicing its bowling action ready for an England call-up!"

Finalist: "Otter Guru" by Charles Janson

"In a kayak with my camera balanced precariously on the gunnel, I stayed very still while floating by this resting sea otter," Janson wrote. "It stayed relaxed (you can tell because it is still floating on its back) and kept on grooming its fur. With its peaceful face and upturned paws, it reminded me of a Guru meditating."

Finalist: "Saying My Prayers" by Christine Haines

"Otters hold their food with their paws, making it appear like they are praying," Haines wrote.

Finalist: "Monday Again" by Christopher Arnold

"I photographed this nutria directly from the canoe," Arnold wrote. "It was busy grooming itself."

Finalist: "Cold Shower" by Corentin Revel

"This doe got up on her hind legs to grab some leaves from the tree to eat, but when she got back up on all fours, she suddenly let go of the branch and took a cold shower on the head," Revel wrote.

Finalist: "The Pavarotti of Owls" by Fred Amico

"This area has always been a nesting place for burrowing owls, so I visit frequently," Amico wrote." When I saw this image on the computer, it just looked like this little owl was singing his heart out."

Finalist: "Smiley Elephant Seal" by Gabriel Rojo

"These multi-ton giants fight to keep their harem of females," Rojo wrote.

Finalist: "I Am Coming" by Inés Godínez

Godínez's photo shows razorbills watching as one of their peers attempts a wobbly landing.

Finalist: "Laughing Out Loud" by Ingo Hamann

"This newborn seal seems to be laughing at a good joke," Hamann wrote.

Finalist: "Where Do You Think You Are Going?" by Jörn Clausen

"This picture was taken in 2015 during my first visit to the Farne Islands in the UK," Clausen wrote. "The islands were full of puffins, kittiwakes, shags, guillemots, and razorbills, and I never before and never since have taken so many photos in such a short time."

Finalist: "Song of the Zeisel" by Kath Aggiss

Aggiss photographed a ground squirrel, also known as a zeisel, calling to its family that it had found food.

Finalist: "The Speed Skater" by Mark Meth-Cohn

Meth-Cohn photographed a Steller's sea eagle on ice off the coast of Rausu, Japan.

Finalist: "Gecko Fashion Model" by Michela Bordoli

"As we walked on the sands of the Namib Desert, a gecko suddenly appeared, emerging out of nowhere with a smile on its face," Bordoli wrote. "It positioned itself perfectly, posing for a portrait worthy of a National Geographic cover. It seemed to say: 'Take my picture, I'm ready for my cover!'"

Finalist: "Easy Fellas" by Philippe Ricordel

"'Hajime!' This is the term used by the referee in judo to invite opponents to start fighting," Ricordel wrote. "Here, the standing bear seems to be saying this to the other two, adopting the gesture that referees use when they say this word."

Finalist: "Wait … Which Zebra Is In Front?" by Sarosh Lodhi

"I was expecting them to interact, nuzzle, or maybe fight, but they coincidentally got aligned in a way that caused this beautiful optical illusion," Lodhi wrote of the zebras in the photo.

Finalist: "Nagging Is a Universal Concept" by Scott Frier

Frier took this photo on a safari in Serengeti National Park in Tanzania.

"I have this image printed and hung on a wall of my home, and everybody who sees it laughs at it," Frier wrote.

Finalist: "Parrotfish Likes To Be Washed" by Wim Bellemans

"I saw this parrotfish with two other fish cleaning him," Bellemans wrote. "The smile on his face shows that he really loves it."

Finalist: "Time to Cool Off" by Zikri Teo

"An Adelie penguin stands over its chick as it lays flat on the rock to cool off," Teo wrote. "Due to their high level of insulation, penguin chicks can sometimes overheat and lay on the rocks with their feet out to lower their body temperature."

Highly Commended: "I'll Tell You a Secret" by Jan Piecha

"A tiny raccoon is telling a secret to its mom while whispering in her ear," Piecha wrote.

Highly Commended: "Are You Kidding?" by Marti Phillips

Phillips photographed two cape fur seals having a laugh.

Highly Commended: "The Contemplative Chimpanzee" by Arvind Mohandas

Mohandas photographed a chimpanzee in Uganda who was "obviously contemplating an important issue."

Highly Commended: "Gang of Four" by Ralph Robinson

"On the penguin highway, these rockhoppers are moving into town, and this town ain't big enough for all of them!" Robinson wrote.

Highly Commended: "I'm Too Sexy for My Love" by Artur Stankiewicz

Stankiewicz wrote that it looked like the hippo "just got out of the hairdresser with a big smile on his face."

Highly Commended: "Mafia Boss" by Takashi Kubo

Kubo wrote that this flying squirrel looked like it was "sucking a cigar" like a mafia boss.

Highly Commended: "The Rock Star" by Sanjay Patil

"Here is a female lizard standing upright to escape the summer heat," Patil wrote.

Highly Commended: "You're Not My Mother" by Randy Herman

"This female red-bellied woodpecker had been investigating this screech owl nest for a couple of days — perhaps it was her nest last year?" Herman wrote. "This little owlet was definitely startled and didn't seem to know what to make of this intruder."

Highly Commended: "Alright Mate Back Off — This is My Bird" by Andy Rouse

"This image was taken in South Georgia," Rouse wrote. "It really does show a male king penguin trying to make a move on a female who has already paired up with her male. The body position and wing posture make the message clear — 'back off!'"

Rouse's image was also highly commended in the 2006 BBC Wildlife Photographer of the Year contest.

Highly Commended: "Hide and Seek" by Leslie McLeod

"We were on safari in Kenya and happened upon this beautiful female who was looking for a mate," McLeod wrote. "A group of topi were also keeping a pretty close eye on her as she left messages for a potential partner on various trees. This shot makes me think that the cheetah is just about to shout out, 'Ready or not, here I come!'"

People's Choice category winner: "Shake Ruffle Rattle and Roll" by Tapani Linnanmäki

"In the picture, a white-tailed eagle is ruffling its feathers," Linnanmäki wrote.

Nikon Young Photographer category winner: "Awkward Smiley Frog" by Kingston Tam

"My goal for my images is to bring attention to our scaly or moist friends, showing that not only fluffy animals can be cute and beautiful," Tam said.

Nikon Junior Category Winner: "Smooching Owlets" by Sarthak Ranganadhan

"Our parents always find a way to embarrass us — I guess that's also true in the case of spotted owlets," Ranganadhan wrote. "It was truly a funny sight to see two owlets trying to get some privacy as their little offspring stood next to them with a grin and shut eyes."

Fish and Other Aquatic Animals category winner: "Unexpected Role Swap" by Przemyslaw Jakubczyk

"Every annoyed and overtired fish needs to destress by hunting for a bald eagle," Jakubczyk wrote.

Bird category winner: "Whiskered Tern Crash Landing" by Damyan Petkov

Petkov photographed a whiskered tern crash-landing on a rock in Bulgaria.

Reptile category winner: "Frog in a Balloon" by Eberhard Ehmke

"During a photo shoot at the pond, I discovered this frog with its head in a bubble," Ehmke wrote.

Insect category winner: "Mantis Flamenca" by Jose Miguel Gallego Molina

Molina lay down on the side of the road to take this photo of a Flemish mantis with its front legs in the air.

Overall winner: "Stuck Squirrel" by Milko Marchetti

Marchetti's photo shows a squirrel with its feet sticking out of a hole in a tree. It won first place in the Mammals category and the contest's grand prize.

"I have taken many, many photographs of squirrels in many situations over the years in Italy, but this one struck me as really funny and such a strange position because it is that exact moment when the squirrel is detaching its back legs from the trunk to enter its hide," Marchetti said of the photo. "Whenever I show this image at the nature seminars at my local photography club, the audience always explodes with raucous laughter, so I had to enter it!"

Correction: September 26, 2024 — An earlier version of this story misspelled the surname of the photographer who took the photo titled "Wait … Which Zebra Is In Front?" He's Sarosh Lodhi, not Sarosh Iodhi.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

In its last two meetings, the Federal Reserve cut interest rates for the first time in four years, meaning the clock is ticking on the high interest rates for deposits that we've come to expect. With rates rapidly changing, how can you be sure that you're getting the best interest rate?

We monitor rates from banks and credit unions daily to help you feel confident before you open a new account — and now could be a great time to lock in a high rate before APYs go off a cliff. Here are the top rates for popular banks on Tuesday, December 10.

About High-Yield Accounts

High-yield savings accounts aren't the only accounts paying favorable rates right now. You'll typically see the highest rates at online or lower-profile institutions rather than national brands with a significant brick-and-mortar presence. This is normal; online banks have lower overhead costs and are willing to pay high rates to attract new customers.

High-Yield Savings Accounts

The best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. Savings accounts are held at a bank or credit union — not invested through a brokerage account — and are best for saving cash in pursuit of shorter-term goals, like a vacation or big purchase. 

High-Yield Checking Accounts

The best high-yield checking accounts tend to pay slightly lower rates than high-yield savings, but even they are strong in today's rate environment. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. If you transfer money to pay a bill, you typically do it from a checking account. Checking accounts are used for everyday spending and usually come with checks and/or debit cards to make that easy.

Money Market Accounts

The best money market accounts could be considered a middle ground between checking and savings: They are used for saving money but typically provide easy access to your account through checks or a debit card. They usually offer a tiered interest rate depending on your balance.

Cash Management Accounts

A cash management account is also like a savings/checking hybrid. You'll generally see them offered by online banks, and, unlike a checking account, they usually offer unlimited transfers. A savings account often limits the number of monthly transfers, while a checking account doesn't. Cash management accounts typically come with a debit card for easy access, but you may have to pay a fee if you want to deposit cash.

Certificates of Deposit

The best CD rates may outpace any of the other accounts we've described above. That's because a certificate of deposit requires you to "lock in" your money for a predetermined amount of time ranging from three months to five years. To retrieve it before then, you'll pay a penalty (unless you opt for one of the best no-penalty CDs). The longer you'll let the bank hold your money, the higher rate you'll get. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term.

About CD Terms

Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.

No-Penalty CDs

Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.

6-Month CDs

The best 6-month CDs are offering interest rates in the mid-5% range. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term. These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.

1-Year CDs

The best 1-year CDs tend to offer some of the top CD rates, and are a popular option for many investors. A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. 

2-Year CDs

The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.

3-Year CDs

The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.

5-Year CDs

The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.

LambdaTest, a cloud-based software testing platform, has raised $38 million to advance its AI capabilities.

© 2024 TechCrunch. All rights reserved. For personal use only.

The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

The Federal Reserve cut rates in its last two meetings, meaning the clock is ticking on the high interest rates for deposits we've come to expect. With rates rapidly changing, how can you be sure that you're getting the best interest rate?

We monitor rates from banks and credit unions daily to help you feel confident before you open a new account — and now could be a great time to lock in a high rate before APYs go off a cliff. Here are the top rates for popular banks on Monday, December 9.

About High-Yield Accounts

High-yield savings accounts aren't the only accounts paying favorable rates right now. You'll typically see the highest rates at online or lower-profile institutions rather than national brands with a significant brick-and-mortar presence. This is normal; online banks have lower overhead costs and are willing to pay high rates to attract new customers.

High-Yield Savings Accounts

The best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. Savings accounts are held at a bank or credit union — not invested through a brokerage account — and are best for saving cash in pursuit of shorter-term goals, like a vacation or big purchase. 

High-Yield Checking Accounts

The best high-yield checking accounts tend to pay slightly lower rates than high-yield savings, but even they are strong in today's rate environment. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. If you transfer money to pay a bill, you typically do it from a checking account. Checking accounts are used for everyday spending and usually come with checks and/or debit cards to make that easy.

Money Market Accounts

The best money market accounts could be considered a middle ground between checking and savings: They are used for saving money but typically provide easy access to your account through checks or a debit card. They usually offer a tiered interest rate depending on your balance.

Cash Management Accounts

A cash management account is also like a savings/checking hybrid. You'll generally see them offered by online banks, and, unlike a checking account, they usually offer unlimited transfers. A savings account often limits the number of monthly transfers, while a checking account doesn't. Cash management accounts typically come with a debit card for easy access, but you may have to pay a fee if you want to deposit cash.

Certificates of Deposit

The best CD rates may outpace any of the other accounts we've described above. That's because a certificate of deposit requires you to "lock in" your money for a predetermined amount of time ranging from three months to five years. To retrieve it before then, you'll pay a penalty (unless you opt for one of the best no-penalty CDs). The longer you'll let the bank hold your money, the higher rate you'll get. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term.

About CD Terms

Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.

No-Penalty CDs

Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.

6-Month CDs

The best 6-month CDs are offering interest rates in the mid-5% range. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term. These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.

1-Year CDs

The best 1-year CDs tend to offer some of the top CD rates, and are a popular option for many investors. A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. 

2-Year CDs

The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.

3-Year CDs

The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.

5-Year CDs

The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.

• I tried cinnamon rolls from Pillsbury, Immaculate Baking Company, Annie's, and Amazon.
• The Pillsbury Grands flaky cinnamon rolls blew me away with their fluffy, doughnut-like texture.
• The Amazon-brand cinnamon rolls were a little too bread-like for my taste.

For many people, there's nothing better than the smell of cinnamon rolls straight out of the oven wafting through the house, especially around the holidays.

The comforting aroma of cinnamon rolls is more than nostalgic — it's also a major business driver, especially during the holiday season when sales of seasonal products like store-bought cinnamon rolls rise.

Pillsbury is one brand dominating the ready-to-bake market, but smaller brands like Immaculate Baking Company and Annie's Organic also have their own versions. Even Amazon, which has its own e-commerce grocery brand, has joined the competition with its own line of cinnamon rolls.

I tried five different kinds of store-bought, canned cinnamon rolls from Pillsbury's, Immaculate Baking Company, Annie's Organic, and Amazon to see which brand had the best-canned cinnamon rolls.

Here's how the store-bought cinnamon rolls ranked, from worst to best.

Ahead of the holiday season, I tried cinnamon rolls from four different brands.

I tried cinnamon rolls from Pillsbury, Immaculate Baking Company, Annie's, and Amazon's Happy Belly, which has since rebranded as Amazon Fresh.

To make the cinnamon rolls, I greased a baking sheet and baked them according to the instructions on each can. They all took around 20 minutes to bake in the oven at 350 degrees Fahrenheit.

Each can of cinnamon rolls also came with icing, which I allowed to come to room temperature while the rolls were baking.

My least favorite brand was Amazon's Happy Belly cinnamon rolls, which have since rebranded to Amazon Fresh.

The can cost $2.49 and included eight rolls plus a bag of icing. This was the least expensive brand I tried, and it came with the most rolls.

The can contained more rolls than the other brands.

However, each cinnamon roll was smaller. The icing, which came in a small plastic bag, melted nicely onto the rolls when they were fresh out of the oven.

I thought the texture of the cinnamon roll was a little bread-like.

I didn't love the texture of this cinnamon roll. It was a little stodgy and thick rather than flaky.

It also lacked the spiced flavor I expect from a cinnamon roll. It was a touch bland, and all I could taste was the sweet, sticky icing. It wasn't bad, per se, but it wasn't my favorite out of all of the rolls I tried.

My fourth-favorite brand of cinnamon roll was from Immaculate Baking Company.

The can came with five cinnamon rolls and icing. It cost $8.49, making it the most expensive brand I tried.

The cinnamon rolls were medium-sized.

This made them easy to hold and bite into. I could see a rich layer of cinnamon swirled inside the bun.

The texture was on the thicker side, but fluffier than the Amazon-brand cinnamon rolls.

The cinnamon roll was sweet, spicy, and buttery, and the icing wasn't too sweet — it was just right. However, for such a high price tag, I expected to be more impressed with these rolls than I was.

The Pillsbury Grands cinnamon rolls landed square in the middle of my ranking.

A can of five rolls, including Cinnabon icing, cost $3.49.

The cinnamon roll was among the largest of the rolls and rose a significant amount while baking.

The icing, which came in a small plastic tub, did require a knife to spread over the top of the roll, which added an extra step. However, I thought it was worth it.

The cinnamon roll was light and flaky, with a balanced amount of sweetness.

The roll was slightly crispy on the outside but fluffy in the center. The Cinnabon icing was also very decadent, without being sickly sweet or toothache-inducing.

The second-best brand I tried was Annie's organic cinnamon rolls.

The can came with five cinnamon rolls and cost $7.99.

These cinnamon rolls were packed with cinnamon flavor.

The icing settled into a creamy coating over the top of the rolls.

The texture was also very flaky, almost like a croissant.

I thought these cinnamon rolls had the perfect balance between buttery and flaky texture, without being too sweet.

But my favorite brand that I tried was the Pillsbury Flaky Grands cinnamon rolls.

A can of five rolls, including Cinnabon icing, cost $7.69.

The cinnamon roll was the largest of the ones I tried.

Its texture was super flaky, just as the packaging promised, and the texture of the roll was very similar to a croissant.

When I bit in, the roll reminded me of a buttery, flaky doughnut.

The roll had just the right amount of cinnamon and butter flavor, but its texture blew me away. It practically melted in my mouth.

I enjoyed all of the rolls, but the flakiest one was the winner in my book.

Not only did the Pillsbury Flaky Grands cinnamon rolls have the best flavor and texture, but I also thought they were well-priced for such a decadent dessert. They tasted like they could have come from an actual bakery.

The next time I'm looking to make a cozy, holiday breakfast, I know which brand I'll be reaching for at the grocery store.