A certificate of deposit (CD) account isn't always the easiest type of savings account to manage. And that's especially true right now. With unemployment on the rise, inflation stagnating (if cooled) and the need for liquidity more elevated than usual, locking your money away with a fixed-rate CD account may not be the easiest decision to make. And, an early withdrawal penalty can easily negate all of the interest earned on the account to that point. But what if savers were to open an account

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