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Once you choose a CD, with debit cards, but money set time. CD inerest are influenced by number of months' worth of on your money, even though more like savings accounts.

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Best FDIC-Insured High Yield Savings Accounts 2024! ??November/December
The best CD rate right now is % APY available from Nuvision Credit Union for an 8-month CD term. All CDs and rates in our rankings were collected. The best CD rates of are as high as % APY, offered by CommunityWide Federal Credit Union on a 6-month certificate. Check out the latest CD rates offered by Ally Bank. Features include daily compounding interest and 10 day best rate guarantee. Ally Bank, Member FDIC.

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Even if you know you'd like a CD of a certain length, it's worth shopping around in case you find one that offers a better APY if you stretch just a little longer than your planned duration. Our CD rankings below are based on research into hundreds of banks and credit unions every weekday. While there, they found that they were passionate about writing and helping others write about topics that matter. Just shop around to learn which CD is best for your money and situation. The offers that appear in this table are from partnerships from which Dotdash receives compensation.