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What are Certificates of Deposit? (CDs)A certificate of deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year. A Chase Certificate of Deposit (CD) account offers guaranteed rates with short- or long-term options. See CD rates and terms. CDs are bank deposits that pay a stated amount of interest for a specified period of time and promise to return your money on a specific date.
