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What to know before opening a CD A certificate of deposit (CD) is a type of savings account that holds your money for a set period, usually anywhere from a few months to five years.

A certificate of deposit (CD) is a short-term savings account that allows you to lock in an interest rate for a certain time period — i.e., six to 12 months, with some terms as long as five years.

Letitia James, the New York attorney general, won a fraud judgment against President Trump’s business and has challenged his policies in court. Now she is a target of his Justice Department.

A certificate of deposit can be a great choice regardless of the amount you have available to save. Many high-paying CDs require minimum deposits as low as $500 or $1,000.