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More investors counting on certificates of deposit. What are the benefits of CDs?A certificate of deposit (CD) is a type of savings tool with various benefits. Explore current CD rates and how to purchase CDs through Schwab. Find a U.S. Bank CD (certificate of deposit) that best suits your investing needs, with the CD rate and term that is right for you. Apply now. CD rates are usually higher than savings accounts, but you lose withdrawal flexibility. If you withdraw your CD funds early, you'll be charged a penalty. CDs.
