CD accounts

What a CD actually locks in against a high-yield savings account over the same stretch of time, how the early-withdrawal penalty works, and what savers wish they had checked before committing their money.

• Are CDs worth it? Yes, if you want a guaranteed rate and can lock cash away.
• What do CD savers wish they'd known before locking in their money? Locking in a CD is easy. Getting out early is the trap.

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