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Topic: Certificate of deposit

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	Certificate of Deposit (CD) (Site not responding. Last check: 2007-10-08)
		This article focuses on large-denomination certificates of deposit, which are issued to institutional investors for denominations generally exceeding USD 1.0MM.
		Most certificates of deposit credit a fixed rate of interest, but there are also floating-rate certificates of deposit.
		Yields depend primarily on a certificate of deposit's term, the level of interest rates for the currency it is denominated in, and the credit quality of the issuer.
	www.riskglossary.com /articles/certificate_of_deposit.htm (628 words)

	Certificate of deposit - Wikipedia, the free encyclopedia
		A certificate of deposit or CD is, in the United States, a time deposit, a familiar financial product, commonly offered to consumers by banks, thrift institutions, and credit unions.
		In exchange for keeping the money on deposit for the agreed-on term, institutions usually grant higher interest rates than they do on accounts from which money may be withdrawn on demand, although this may not be the case in an inverted yield curve situation.
		The consumer who opens a CD may receive a passbook or paper certificate, but it now is common for CD to consist simply of a book entry and an item shown in the consumer's periodic bank statements; that is, there is usually no "certificate" as such.
	en.wikipedia.org /wiki/Certificate_of_deposit (1999 words)

	Capital One Capital One® Certificate of Deposit Agreement
		Holders of Certificates of Deposit may elect to receive payments of interest on a monthly, quarterly, semi-annual or annual basis or may have the payments of interest added back to the balance of their account until maturity.
		IRA Certificates of Deposits may only be opened in Capital One, F.S.B. A minimum of $1,000 is required to open an IRA Certificate of Deposit.
		In the event the Certificate of Deposit type is no longer offered at the time of maturity, your Certificate of Deposit will be automatically renewed to a fixed rate Certificate of Deposit available to the general public with the same (or similar) term.
	www.capitalone.com /investments/disclosures/deposits006/index.shtml (2104 words)

	Truth-in-Savings Disclosure on Deposit Accounts at NetBank (Site not responding. Last check: 2007-10-08)
		The rate you receive for the term of the CD is the rate in effect on the day your deposit is received by us, which might be different from the rate available on the day you applied for the account.
		Certificates of Deposit for a term greater than 12 months are credited every month.
		Any deposits sent with your incomplete application will not be processed and the deposit will earn interest (if the account is an interest-bearing account) only after we have received a completed and approved application.
	www.netbank.com /terms_truthinsavings.htm (1489 words)

	Certificate of Deposit (Site not responding. Last check: 2007-10-08)
		Interest rates for all Certificates of Deposit can be adjusted through center rate parameters, which contain nine interest calculation methods and up to 99 rates.
		Certificates may be negotiable and have a negotiated rate.
		Certificate of Deposit forfeiture can be based on the full term or the remaining term of a certificate.
	www.itechcorporation.com /htmls/Coreapp/COD/COD.html (433 words)

	Certificate Of Deposit
		The Advantage Certificate is perfect for the investor who wants to invest funds for a short term, but still earn a better interest rate than a savings account.
		The minimum deposit to open is $500, and additional deposits may be made in increments of $25 or more.
		The Advantage CD is a terrific way to save for taxes, a higher education, or even a term certificate of deposit and pays a higher Rate than a passbook or statement savings accounts.
	www.gotocsb.com /csb/home.nsf/Public/Certificate_Of_Deposit.htm (232 words)

	TFCU - Certificate of Deposit ( CD )
		Share Certificates are a safe, secure way to invest your money and lock in an interest rate for the full term of your certificate.* TFCU offers a full range of Share Certificates with terms from 90 days to 60 months.
		A minimum deposit of $1,000 is all that is needed to open a Share Certificate.
		For Share Certificates with terms of ONE YEAR OR LESS, the penalty for premature withdrawal will be the lesser of the following: all dividends earned since date of issuance or 180 days dividends.
	www.teachersfcu.org /deposit_products/certificate_info.html (328 words)

	CAB: Certificate of Deposit Account Registry
		When a bank places a customer's deposit using the CDARS service, that deposit is broken into amounts under $100,000 (making the full amount eligible for FDIC insurance coverage) and is spread out among other members of the network.
		In return, the originating bank receives either matching deposits (funds are swapped on a dollar-for-dollar basis so that each originating bank comes out "whole") or fee income (with customer consent, institutions can sell deposits to other members that need funds).
		deposits will be classified as savings deposits on a bank's Call Report, and as you know, savings deposits are not subject to reserves.
	www.aba.com /CAB/cab_cdars.htm (797 words)

	The Mint: Investing Money: Certificate of Deposit (Site not responding. Last check: 2007-10-08)
		They're called Certificates of Deposit because when you deposit your money, the bank gives you a certificate telling you —
		Certificates of Deposit pay slightly higher interest rates than savings accounts.
		The longer the CD's deposit time, the higher the interest rate.
	www.themint.org /investing/certificate.php (269 words)

	Bankers Systems, Inc. - Credit Union Deposit Section - Certificates of Deposit (Site not responding. Last check: 2007-10-08)
		Certificates of Deposit (CDs) or Share Certificates provide the simplicity, stability, and convenience many investors seek.
		This attractive design combines a traditional-looking certificate with account terms and conditions and a Truth-in-Savings disclosure.
		This Certificate of Deposit/Share Certificate is available for use with IRAs.
	www.bankerssystems.com /Paper/CUD_CertificatesDeposit.htm (433 words)

	Certificate of Deposit (Site not responding. Last check: 2007-10-08)
		A Certificate of Deposit from Citizens State Bank pays a competitive rate on invested funds.
		Interest earned can be added to the CD, automatically deposited to another Citizens State Bank account or a check can be mailed directly to the individual.
		Certificates may be redeemed by the customer before maturity, but an interest penalty will apply.
	www.csb-nc.com /tools/cd.htm (337 words)

	SELCO Community Credit Union Current Interest Rates, Certificate of Deposit, Money Market, Investor Account, Checking ...
		All certificate specials are subject to the same terms & conditions as standard certificates and will automatically renew to the SELCO 6-month certificate rate upon maturity.
		The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period.
		For Time Certificates, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account.
	selco.org /savings/cdrates.asp (886 words)

	Certificate of Deposit
		A Certificate of Deposit (CD) is a time deposit which enables the customer to earn a higher rate of interest than a statement or passbook account.
		A Jumbo CD, much like our regular CDs, is a time deposit which enables the customer to earn a higher rate of interest than a statement or passbook savings account.
		But with a minimum deposit for a Jumbo CD of $100,000, the customer receives a higher rate than that offered for a comparable maturity regular CD.
	www.ambfinancial.com /pers_cd.htm (239 words)

	Busey Bank - Champaign County, Illinois - Certificate of Deposit Accounts
		Certificates of Deposit (CDs) may help investors pursue their investment needs and goals while also providing safety of principal.
		At maturity, each certificate automatically renews for 3 years at the 3-year rate in effect at that time.
		Minimum deposit of $7,500 divided equally between the 3 CDs.
	www.busey.com /~champaign/personal/cds.asp (186 words)

	Certificate Of Deposit
		The Savings Institute offers a range of Certificate of Deposit terms, from 91 days up to 7 years, so that you can select the term that is best for you.
		Certificates of Deposit are time deposit accounts with fixed maturity dates.
		Annual percentage yields assume that principal and interest remain on deposit for a full year at the quoted interest rate.
	www.savingsinstitute.com /Pages/PersCD.htm (220 words)

	Certificate of Deposit Truth in Savings
		Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular.
		Your account will mature on the date reflected as the maturity date on the certificate of deposit.
		The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance and other features as the original certificate.
	www.fibtlink.com /certificate_of_deposit_tis.htm (528 words)

	Certificate of Deposit Definition
		CDs offer higher rates of return than most comparable investments, in exchange for tying up invested money for the duration of the certificate's maturity.
		CDs are low risk, low return investments, and are also known as "time deposits", because the account holder has agreed to keep the money in the account for a specified amount of time, anywhere from three months to six years.
		Find out about the different types of bank accounts that are available, including savings accounts, checking accounts, money market deposit accounts (MMDAs) and certificates of deposit (CDs).
	www.investorwords.com /808/certificate_of_deposit.html (201 words)

	SELCO Certificates of Deposit
		SELCO offers high-yield Certificates of Deposit with terms from six months to five years.
		Ideal for long term savings, Certificates may be purchased in amounts of $1,000 or more.
		Dividends earned on certificates may be transferred quarterly to your share or checking account or added to your certificate balance.
	selco.org /savings/cd.asp (145 words)

	Certificate of Deposit
		If readily available funds and a good rate of return are important factors to you, a Baylake Bank Money Market account might be the perfect savings vehicle.
		Open a Money Market Bank Account with a minimum $1,000 deposit and earn a higher rate of interest with higher average balances.
		Baylake Bank's Money Market Index Account is tied to an established index and provides customers with accessibility to their money, a higher rate of interest, and is available for both personal and business accounts with a minimum $10,000 deposit.
	www.baylake.com /deposit/Money_Market.htm (96 words)

	Certificate of Deposit
		Our FDIC insured certificates of deposit (CDs) allow you to choose a maturity date for your savings from 32 days to four years.
		Save without risk of losing principal, and with the peace of mind that comes from knowing your interest rate is guaranteed for the full term.
		Available on all Baylake Bank certificates of deposits two years and longer.
	www.baylake.com /deposit/CD.htm (243 words)

	Farmers-Merchants National Bank of Paxton - Investment Services - Certificates of Deposit
		After the account is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date.
		If your certificate will AUTOMATICALLY RENEW, you will have a grace period of 10 days from maturity date to present this certificate for payment without penalty.
		An IRA is a personal, tax-sheltered account into which you deposit money during your earning years to help cover your expenses during retirement.
	www.fmnbank.com /investmentsvcs/cds.html (391 words)

	Certificate of Deposit
		A penalty may be imposed for early withdrawal on certificates.
		If you are interested in maximizing your return and feel safety, security, and market fluctuations are important considerations to an investment strategy, a fixed rate NTSCU Certificate of Deposit might be the best option for you.
		With our flexible terms that range from 6 to 36 months, you'll always have funds available to reinvest to achieve current market yields based on current interest rates.
	www.ntscu.org /ASP/Products/product_2_1.asp (198 words)

	Certificate of Deposit Rates (ESB) (Site not responding. Last check: 2007-10-08)
		The minimum balance required to open and obtain the stated annual percentage yield (APY) is $1,000.
		The rate is fixed and assumes interest remains on deposit until maturity.
		The minimum balance required to open and obtain the stated annual percentage yield (APY) is $100.
	www.easternsavingsbank.com /newsite/deposit/cdrate.htm (64 words)

	Certificate of Deposit
		A Certificate of Deposit pays you a higher interest rate when you deposit it for a length of time.
		Whether your budget can stretch 7 days or 48 months, we have the right certificate for you.
		Your interest can be paid by check, deposited directly into your account or added to the principal of the C.D. You can view our rates anytime by visiting our Deposit Rates page or receive the rates via phone by calling our ACCESS 2400 at (918)758-2400!
	www.firstokmulgee.com /cod.html (190 words)

	Money Market: Certificate Of Deposit (CD) (Site not responding. Last check: 2007-10-08)
		A certificate of deposit (CD) is a time deposit with a bank.
		Like all time deposits, the funds may not be withdrawn on demand like those in a checking account.
		CDs offer a slightly higher yield than T-Bills because of the slightly higher default risk for a bank but, overall, the likelihood that a large bank will go broke is pretty slim.
	www.investopedia.com /university/moneymarket/moneymarket3.asp (531 words)

	Certificate of Deposit Calculator - Financial Calculators from Dinkytown.net
		Certificate of Deposit Calculator - Financial Calculators from Dinkytown.net
		Certificate of Deposit Calculator-->Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
		We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
	www.dinkytown.net /java/CertDeposit.html (367 words)

	FISN - Certificate of Deposit Service - CD Rates
		We research certificates of deposit (CDs) from across the nation to find the safest and highest CD rates.
		FISN buys certificates of deposit from current holders in addition to selling them.
		The Best Nationwide Certificate of Deposit Rates are the highest rates FISN could identify that are suitable for nationwide depositors.
	www.fisn.com (336 words)

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