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Start Earning in Dollars ??� Level Up Your Finances!?An add-on CD is a type of CD that lets you add money to your account before the maturity period ends. In that way, it's similar to a savings. What are add-on CDs? Like a savings account, an add-on CD allows you to add money to the account after you make the initial deposit. Banks. An add-on certificate of deposit (CD) is an interest-bearing, time deposit account offered by banks and credit unions. Unlike a traditional CD, an add-on CD.