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   What is a certificate of deposit?

   • A certificate of deposit is a type of savings account with a fixed interest rate and term. CDs, called share certificates at credit unions, tend to have the highest rates among federally insured bank accounts. Here’s a breakdown of various factors that make up CDs. Unlike regular savings accounts, most CDs earn the same rate over time.

   How Do CDs Work? Learn How to Save Smarter - NerdWallet

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   What is a fixed rate Certificate of deposit?

   • A fixed rate certificate of deposit is a CD that has a set or fixed interest rate that is paid over the entire term of the instrument. The total fixed interest earned along with the CD principal is paid to the investor once the certificate of deposit reaches maturity.

   Certificates of Deposit: All You Need to Know - Investopedia

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   Are certificates of deposit a good investment?

   • Certificates of deposit (CDs) generally pay higher interest rates than savings and money market accounts in exchange for leaving the funds on deposit for a fixed period of time. CDs are a safer and more conservative investment than stocks and bonds, offering lower opportunity for growth, but with a non-volatile, guaranteed rate of return.

   What Is a Certificate of Deposit (CD) and What Can It Do for You?

   www.investopedia.com/terms/c/certificateofdeposit.asp

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   Should you buy a certificate of deposit?

   • Certificates of deposit offer stability for people who want to earn more on their money without the risk inherent in stocks and bonds. Although interest rates may be higher than savings accounts and money markets, you'll want to read the fine print carefully.

   What Is a Certificate of Deposit (CD) and What Can It Do for You?

   www.investopedia.com/terms/c/certificateofdeposit.asp

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2. www.investopedia.com › c › certificateofdepositWhat Is a Certificate of Deposit (CD) and What Can It Do for You?

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   May 22, 2024 · A CD is a savings account that pays a fixed interest rate for a fixed term, usually higher than other bank accounts. Learn how CDs work, how to choose the best term and rate, and how they are affected by the Fed's actions.

   • Author: Jason Fernando

   • Video Duration: 2 min

3. www.bankrate.com › banking › cdsWhat is a CD (certificate of deposit)? - Bankrate

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   Oct 2, 2023 · A CD is a low-risk deposit account that pays a fixed rate of return for a set period of time. Learn how CDs work, their pros and cons, and how they compare to savings accounts.

   • Choosing a CD term should be based on when you’ll need access to the money. For instance, if you plan to go on vacation in a year, a one-year CD co...
   • One factor that can affect CD rates is changes to the Federal funds rate, which is the Federal Reserve’s benchmark rate. When this rate goes up, co...
   • Types of CDs include traditional CDs, no-penalty CDs, jumbo CDs, bump-up CDs, step-up CDs, zero-coupon CDs, callable CDs and IRA CDs.

4. www.nerdwallet.com › cd-certificate-of-depositWhat Is a CD (Certificate of Deposit)? - NerdWallet

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   Mar 13, 2024 · A CD is a type of savings account with a fixed term and interest rate. Learn how CDs work, when to choose them, how to compare them and what types of CDs are available.

   • Video Duration: 14 min

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     What are Certificates of Deposit? (CDs)

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     What Is a CD (Certificate of Deposit)? - NerdWallet

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     What Is a Certificate of Deposit (CD) and What Can It Do for You?

     Dec 31, 2008

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6. www.nerdwallet.com › article › bankingHow Do CDs Work? Learn How to Save Smarter - NerdWallet

   www.nerdwallet.com › article › banking

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   Mar 21, 2024 · A certificate of deposit is a type of savings account with a fixed interest rate and term. CDs, called share certificates at credit unions, tend to have the highest rates...

   • Video Duration: 6 min

7. www.investor.gov › certificates-deposit-cdsCertificates of Deposit (CDs) | Investor.gov

   www.investor.gov › certificates-deposit-cds

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   A CD is a savings account that holds a fixed amount of money for a fixed period of time and pays interest. Learn about the benefits, risks, and types of CDs, and how to check out the issuer or deposit broker.

8. www.investopedia.com › certificate-of-deposits-4689733Certificates of Deposit: All You Need to Know - Investopedia

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   6 days ago · What Is a Certificate of Deposit (CD) and What Can It Do for You? By. Jason Fernando. Updated May 22, 2024. History of CD Interest Rates. By. Sabrina Karl. Updated Jan 26, 2024. How...

9. www.usatoday.com › money › blueprintWhat is a certificate of deposit (CD)? - USA TODAY

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   Nov 3, 2023 · A certificate of deposit (CD) is a type of savings product offered by financial institutions that allows you to lock in an interest rate (usually expressed as an...