The advantage of long-term thinking.
Certificates of Deposit (CDs) are low-risk savings instruments that earn excellent returns over the long term. These FDIC insured investments require a minimum deposit of $1,000 and typically offer fixed, guaranteed interest rates. If you do not need immediate access to your funds1, a CD is a great way to save.
- You’re willing to put money away and not touch it for a while.
- You’re looking for a savings product with a high rate of return.
- You’re a low‑risk investor.
- CDs are subject to penalty for early withdrawals prior to maturity date. Penalty will reduce earnings.