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A certificate of deposit (or cd) is a savings instrument offered by a bank or credit union that has a fixed date of maturity and a fixed interest rate A credit union might use the term share certificate, term certificate or just certificate to refer to the same product Most cds require a minimum deposit amount and may offer rates contingent on the size of the deposit A first citizens banker can help you choose which account is right for you based on your goals, how much you'd like to deposit and how you plan to use your account
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