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: If you take money out before the maturity date, you typically pay a fee, often equal to 3–12 months of interest.

: CDs at member banks are typically insured up to $250,000 , making them very safe investments. Popular CD Strategies What Is a Certificate of Deposit (CD)? Pros and Cons : If you take money out before the

A is a low-risk savings account that pays a fixed interest rate in exchange for leaving your money untouched for a set "term" or period. Core Mechanics you typically pay a fee