A certificate of deposit usually has:

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A certificate of deposit is a type of savings account that requires a fixed deposit for a fixed period of time, which means that there is limited liquidity. The account holder cannot withdraw the funds before the maturity date without penalty. However, this also means that the interest rate is fixed and the account is relatively safe for savers. The interest rate risk and minimum deposit amount vary depending on the specific terms and conditions of the certificate of deposit.

A Certificate of Deposit Usually Has