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Certificates of Deposit (Time Deposits)

CDís are a low risk debt instrument offered by financial institutions. CDís have a stated maturity date and offer a higher rate of return then a regular savings account. Normally, the longer the maturity, the higher the interest rate paid. Banks are not required by law to permit early withdrawals. The price of CDís fluctuates with market rates, and, if permitted, one is subject to penalties for early withdraws, as well as gains or losses on market price swings. (Early withdrawals without penalties may be allowed in special circumstances, such as death or incapacitation.) Normally, the FDIC insures the account up to $100,000. Interest is subject to federal and state income taxes. Additionally, CD rates may be fixed or variable; CDís also may contain call provisions.

When purchasing a CD, always double check and confirm with the sales representative the maturity date, rate, early withdrawal penalties and call features, if any. If you have multiple CDís, check the issuers to ensure that you stay within the $100,000 FDIC insurance limits per institution. Additionally, ascertain if the account rolls over automatically and allows a grace period for withdrawal of money without penalty. Lastly, confirm how interest is paid to you.  

Young adults need to plan their cash needs very carefully. Breaking a CD can be expensive, if permitted. Matching the maturity dates with oneís cash requirements is important.


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