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Best No-Penalty CD Rates for December 2024: Savings Growth with Flexibility

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          🞛 This publication is a summary or evaluation of another publication 🞛 This publication contains editorial commentary or bias from the source
Nunnally Honors Research Award for their senior thesis.Outside personal finance, Kit enjoys reading, film, video games, and cross stitching. They are based in the DC area.
The article from Business Insider discusses the best no-penalty CDs (Certificates of Deposit) available, which allow depositors to withdraw funds before the term ends without incurring a penalty. These CDs are highlighted as a good option for those who want to earn a higher interest rate than a regular savings account but need the flexibility to access their money. The article lists several top no-penalty CDs from various banks, detailing their APYs (Annual Percentage Yields), minimum deposit requirements, and terms. For instance, it mentions offerings from banks like Ally Bank, Marcus by Goldman Sachs, and CIT Bank, among others, with APYs ranging from around 0.50% to over 1.00% for terms typically between 7 to 13 months. The piece also provides insights on how to choose the best no-penalty CD based on factors like the interest rate, term length, and the financial institution's reputation. Additionally, it includes considerations for potential investors such as the impact of inflation on returns and the comparison with other savings options.

Read the Full Business Insider Article at:
[ https://www.businessinsider.com/personal-finance/banking/best-no-penalty-cds ]