CDs offer a predictable return, with a fixed interest rate in exchange for holding your money for an amount of time. If a 12-month CD provides a 1% return on your $1,000, you’ll receive $10.05 in interest for an ending balance of $1,010.05 when the CD matures. CD returns are generally higher than you’d find in a regular savings account or Featured CD of the day. A one-year CD from Limelight Bank earns a competitive APY of 5.5 percent and requires a minimum deposit of $1,000. The early withdrawal penalty for this CD is equal to 90 CD vs. checking account: At a glance. CDs and checking accounts have different features and accessibility. Your best option will likely depend on how you plan to use the account. Advertisement. A

For example, many Bank of America Certificates of Deposit with Fixed Terms have yields hovering around 0.03% APY, but its Featured CDs go up to 5.00% APY (both require a deposit of at least $1,000).

Featured Nationally Available Deposit Rates. These accounts all offer at least 5% APY on deposits. Western Alliance Bank 3 Month CD: 5.51% APY; CIT Bank 6 Month Term CD: 5.00% APY; Western Current IRA CD rates range from less than 0.50% APY to 5.00% APY or higher, but this is subject to change. CD rates have been increasing overall and may continue to rise in the near future. Some
Add-on CDs may have lower initial deposit requirements than regular CDs from the same bank. For example, First Horizon Bank add-on CDs require a minimum of $500, while regular CDs need at least
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    • featured cd vs fixed cd