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What Is a Certificate of Deposit (CD)? How It Works, What It Pays, and the Catches
In November 2026 the national average 1-year CD pays 1.76% APY, but the best CDs pay 4.65% — $289 more interest on $10,000 in one year. The catch is the lockup: break a 1-year CD early and a 90-day penalty wipes out three months of earnings.
Asad · Nov 14, 2026 Read article →