A certificate is a savings account with a specified interest rate, a fixed maturity date, and term lengths that typically range from six months to five years. Most certificates offer interest rates that are higher than traditional savings and money market accounts. Upon maturity, the principal balance plus interest earned is available for withdrawal.
Certificates are a great option for someone who will not need access to the funds during the specified term and wants to secure a fixed rate for the life of the product. Usually, there are no fees associated with certificates unless a withdrawal occurs before the maturity date.
The money placed into a certificate grows continuously and predictably. While a certificate may not be the quickest way to grow your savings, it is a safe way to boost your overall savings plan.
As long as you avoid withdrawal penalties, certificates are a safe way to enhance your savings and can allow for a good return on your investment.
This article is for general information only and not intended to provide specific advice or recommendations for any individual.
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A certificate is a savings account with a specified interest rate, a fixed maturity date, and term lengths that typically range from six months to five years. Most certificates offer interest rates that are higher than traditional savings and money market accounts. Upon maturity, the principal balance plus interest earned is available for withdrawal.