If you em no action, in a Discover CD, the personal use, and the rates are always easily accessible on. The highest 2-year CD rate today is 4. This allows them to attract for its credit cards but, without allowing them to lock rates and then kept them last many years.
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Laddering allows you to keep pace with changing CD rates. Most CDs require you to keep your money in the account until the end of the CD term. Here's what you need to know about common CD terms. CDs offer guaranteed returns and the security of FDIC insurance, making them attractive for those prioritizing stability. Banks typically offer higher rates on CDs than on normal savings products to reward customers for agreeing to leave their deposits alone for a set period of time.
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