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 What should I do with $60,000? |
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Additional Details
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VetteLeo | At a BANK, What is a CD? |
I need to start saving some money. What's the difference between regular savings acct and a CD?
Additional Details
i need more specific answers. |
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Jennifer W
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Certificate of Deposit
A certificate of deposit has a higher interest rate than a regular savings account. The reason is that you promise to leave the money there for a set amount of time, for example, $1,000.00 for 12 months. The more money you put in, and the longer the amount of time you agree to leave it there will increase the interest you will get back on that money. Think of it as a loan you give the bank.
If you take your money out before the maturity date (the date you agreed to keep it with the bank) you will probably have to give up any interest you would have made on that money. |
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Jim K
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Certificate of Deposit. |
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dropkick murphys rock!!!!!!!
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checking deposit |
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♥Ty ♥
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basically it is designed so that you can continue to add to it but cant take any money out until a time you previously decided on. for example... you are saving money for a child for college money.... you can continue to add to it and it gains interest, but you had decided on 21 as the age when this child can get the money... so no money can be removed until the child is 21... so you never spend money you didnt want to!!! |
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Deana G
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certificate of deposit
Such CDs are similar to savings accounts in being insured—by the FDIC for banks or by the NCUA for credit unions—and thus virtually risk-free; they are "money in the bank." They are different from savings accounts in that the CD has a specific, fixed term—often three months, six months, or one to five years—and, usually, a fixed interest rate. It is intended that the CD be held until maturity, at which time the money may be withdrawn together with the accrued interest. |
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NC
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CD stands for Certificate of Deposit. The difference between a CD and a savings account is that a CD has a maturity date and a fixed value. With savings account, money will earn interest as long as you leave it in the account (no stated maturity), plus, you can withdraw money from the account or deposit money into account (no fixed value). |
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Tom-SJ
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A CD (Certificate of Deposit) requires you to deposit usually $10,000 or more for a long-term timeframe, such as 6-months up to 2 years. If you withdraw your principal before maturity, you will lose interest and sometimes pay a penalty. A CD usually has an automatic renewal feature at a new interest rate at the end of the original timeframe.
Sometimes, banks offer CD's in smaller amounts, $5000 or 10,000, so check around.
A savings account has no minimum amount for deposit, and earns a lower interest rate. Sometime SAs limit how many times you can withdraw your money during a quarter. Interest is earned daily, but only paid quarterly. You won't pay a penalty if you withdraw, but you will lose interest for the full quarter if you withdraw before the end of the quarter. |
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Freddy
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large sum deposit certificate with a maturity date
certificate of deposit for a period of time |
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jparalaw
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Certificate of Deposit. |
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l l
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certificate of deposit
A certificate from a bank stating that the named party has a specified sum on deposit, usually for a given period of time at a fixed rate of interest. |
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Hugh Jafro
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CD - Ceritficate of Deposit
A CD offers a higher rate of interest than your regular checking account - starting at around 4% and up. The longer you keep it in there, the higher the interest that the bank offers. The only draw back is, you have to keep it in for the full term, or else you will get hit with an early withdrawal penalty. For example: A 6 month CD means that you need to leave your money in for 6 months. Also, there is usually a minimum amount to invest in a CD, liek $1000 or $2000. |
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