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Certificate of Deposit rates are an investment opportunity to generate long-term stable profits for non-risk takers. CDs are usually fixed rate which means user has to agree on the interest rates with the bank before investing the amount with them and the rate of CD remains constant until CD matures. The best savings accounts are the ones that provide good bank interest rates. CDs are safe investments compared to other relative investment opportunities like stocks, off shore investment, mutual funds etc. Banking institutions offer low stable plans with very low risk. One important thing about CDs is that you can’t withdraw your money/investment before your CD matures. If you do so bank charges you with a penalty as per rules of that bank. So that could be the amount deducted from your profit.