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what is a brokerage certificate of deposit a brokered certificate of deposit so just quickly a CD was what we call it uh short term is uh you give money to a bank for a certain period of time three months six months a year three years you can do theres a five years and they pay you a certain fixed interest rate at the end of the term they give you back your money so if you put in ten thousand you get back ten thousand and you got that whatever interest rate during that period of time right so thats just how the how they work so brokered CD is just purchased through a brokerage dont you tell them how that works this is something Eastern kind of specialized so its a brokerage or its just basically someone else other than the bank and so the idea is that the bank wants to expand their docHub and they want to sell their CDs to more people and so the idea is okay well use a third party someone else to sell it for and so they sell it and then for example um Citizen Bank is out in Boston