31 guias em linguagem simples sobre certificados de depósito — o que são, como funciona a matemática e como evitar os erros que custam dinheiro ao poupador sem que ele perceba.
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A certificate of deposit is a time deposit: you leave a fixed sum with a bank for a fixed term, and the bank pays a fixed rate that is normally higher…
Ler o guiaA CD normally pays more than a savings account because you give up access to the money for a fixed term. A savings account pays a variable rate you ca…
Ler o guiaAPY is the effective annual yield after compounding; APR is the nominal rate before it. On any account that compounds more than once a year, APY is hi…
Ler o guiaA CD ladder splits one deposit across several CDs with staggered maturity dates. One rung matures at regular intervals, giving you access to cash, whi…
Ler o guiaAn early withdrawal penalty is normally a set number of months of interest — 3 months on short terms, 6 to 12 on longer ones. Calculate it as principa…
Ler o guiaThe best CD term is the one that matches when you need the money, not the one with the highest rate. Short terms preserve flexibility and limit penalt…
Ler o guiaCompound interest means each credited amount joins your principal and earns interest for the rest of the term. The formula is A = P(1 + r/n)^(nt). Ove…
Ler o guiaA jumbo CD typically requires a deposit of $100,000 or more. Historically they paid a rate premium, but that gap has largely closed — many online bank…
Ler o guiaA fixed-rate CD locks one rate for the whole term. Variable, bump-up and step-up CDs let the rate change, usually starting lower in exchange for that …
Ler o guiaCompare CD rates by converting every offer to APY, running each at your actual deposit and term, and reading the renewal terms. The headline rate alon…
Ler o guiaA CD pays a fixed rate for a fixed term with a penalty for early access. A money market account pays a variable rate, stays liquid and often includes …
Ler o guiaWhen a CD matures you enter a grace period of usually 7 to 10 days, during which you can withdraw, add funds, change the term or move the money penalt…
Ler o guiaYes. CDs at FDIC-member banks are insured up to $250,000 per depositor, per bank, per ownership category, and credit union CDs carry equivalent NCUA c…
Ler o guiaOdd-term CDs of 4, 7, 11 or 13 months are promotional products banks use to attract new deposits, and they frequently pay more than the standard 6 or …
Ler o guiaTo build a CD ladder for income, divide your lump sum by the number of years you want covered, open one CD maturing in each year, then reinvest each m…
Ler o guiaA brokered CD is issued by a bank but sold through a brokerage. Instead of paying an early withdrawal penalty you sell it on the secondary market — at…
Ler o guiaAn IRA CD is an ordinary certificate of deposit held inside an IRA. You get the same fixed rate and federal insurance plus the IRA's tax treatment — a…
Ler o guiaA no-penalty CD, sometimes called a liquid CD, locks in a fixed rate but lets you withdraw the full balance without a fee after an initial waiting per…
Ler o guiaA callable CD lets the issuing bank redeem it before maturity, usually after a stated non-call period. You get principal and accrued interest back, bu…
Ler o guiaBoth are low-risk homes for cash. T-bill interest is exempt from state and local income tax, which can beat a higher CD rate in a high-tax state. CDs …
Ler o guiaA CD's value never moves — you get your deposit plus a contracted rate. A bond's price moves inversely with interest rates, so it can gain or lose val…
Ler o guiaCD interest is taxed as ordinary income in the year it is credited, even on a multi-year CD you cannot access yet. Banks report amounts over $10 on Fo…
Ler o guiaAdding a payable-on-death (POD) beneficiary to a CD lets it pass directly to that person without going through probate. It also expands deposit insura…
Ler o guiaIf an FDIC-insured bank fails, your insured CD balance is protected up to $250,000 and is typically available within a few business days. The CD is ei…
Ler o guiaYour real return on a CD is roughly its APY minus the inflation rate. A 4.5% CD during 3% inflation gains about 1.5% in purchasing power. When inflati…
Ler o guiaAn add-on CD lets you make further deposits after opening, and every addition earns the original locked-in rate for the remaining term. It suits saver…
Ler o guiaWhen rates are falling, locking a longer term protects the yield you have — the opposite of the right move when rates are rising. Long CDs, add-on CDs…
Ler o guiaA share certificate is a credit union's version of a CD. The mechanics are identical, insurance comes from the NCUA rather than the FDIC at the same $…
Ler o guiaMost bank CDs require an opening deposit of $500 to $2,500, though many online banks have no minimum at all. Jumbo tiers typically start at $100,000. …
Ler o guiaBoth strategies stagger maturities so money frees up at intervals while the rest earns longer-term rates. A CD ladder is insured, simple to build, and…
Ler o guiaCD rates broadly track the federal funds rate, but that only sets the backdrop. The spread between banks comes from how badly each needs deposits, its…
Ler o guiaTodo artigo aqui leva de volta a uma calculadora que faz as contas para o seu depósito, a sua taxa e o seu prazo.