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A certificate of deposit (CD) is a simple investment where you give a lump sum of money to a bank for a set period of time in exchange for a higher interest rate than most savings accounts. The Federal Reserve dropping interest rates during the pandemic has affected CD rates. Nick, the creator of the YouTube channel, provides information on what CD rates look like currently versus in non-pandemic times. CDs can be a foolproof investment during normal times. Subscribe to the channel for more money-related content.
