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Best CD rates of January 2026 (Up to 4. 20%) - Bankrate Opening a certificate of deposit (CD) allows you to lock in an attractive fixed rate and earn higher returns compared to traditional savings accounts, while providing guaranteed growth for a set
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Certificates of Deposit (CDs) - Investor. gov Certificates of Deposit (CDs) What are certificates of deposit? A certificate of deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years, and in exchange, the issuing bank pays interest