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Certificates of Deposits

CD (Certificate of Deposit) is an FDIC insured investment. CDs are similar to savings account in that they are insured and thus virtually risk-free; they are "money in the bank." The main difference is that a savings account allows you to make withdrawals from your account, while with a CD you receive the higher interest rate simply for keeping your money in the bank.

  • Minimum opening balance $1,000.00

  • Various terms available

  • Higher interest rate than regular savings account

  • May automatically renew or cash in during 10-day grace period

  • Interest earned may be paid in various ways

  • A penalty may be imposed for early withdrawal

  • Fees may reduce earnings on the account

  • Investment is FDIC insured

  • Get Certificate of Deposit Interest Rates

  • More than a savings but safer than the market