{"id":22947,"date":"2026-01-20T19:08:45","date_gmt":"2026-01-20T19:08:45","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22947"},"modified":"2026-01-20T19:08:48","modified_gmt":"2026-01-20T19:08:48","slug":"cds-vs-share-certificates-whats-the-difference","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22947","title":{"rendered":"CDs Vs. Share Certificates: What\u2019s The Difference?"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_85fb5b050d3f23faf415bada119e5d52\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            CDs and share certificates both earn guaranteed returns over a set period.&#13;<\/p>\n<\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            CDs are offered by banks and pay interest; share certificates are offered by credit unions and pay dividends.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Both are federally insured up to $250,000 per depositor (FDIC for CDs, NCUA for share certificates).&#13;<\/p>\n<\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Credit unions often offer slightly higher rates than traditional banks, but online banks frequently compete with the best rates.&#13;<br \/>\n&#13;<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<p>Both certificates of deposit (CDs) and share certificates are low-risk deposit accounts where your money can grow at a fixed rate. The main distinction between them is that CDs are products offered by for-profit banks, while share certificates are offered by member-owned, not-for-profit credit unions.<\/p>\n<p>Understanding the differences can help you choose the right option for your savings goals and decide whether joining a credit union might benefit your overall financial strategy.<\/p>\n<h2 id=\"differences\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Differences between CDs and share certificates\" data-outcome=\"\">Differences between CDs and share certificates<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table wrapped\">\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>CDs<\/th>\n<th>Share certificates<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Institution<\/strong><\/td>\n<td>Offered by banks<\/td>\n<td>Offered by credit unions<\/td>\n<\/tr>\n<tr>\n<td><strong>Earnings<\/strong><\/td>\n<td>Pay interest<\/td>\n<td>Pay dividends<\/td>\n<\/tr>\n<tr>\n<td><strong>Insurance<\/strong><\/td>\n<td>Insured by FDIC<\/td>\n<td>Insured by NCUA<\/td>\n<\/tr>\n<tr>\n<td><strong>Membership<\/strong><\/td>\n<td>No membership required<\/td>\n<td>Credit union membership required<\/td>\n<\/tr>\n<tr>\n<td><strong>Rates<\/strong><\/td>\n<td>Vary by bank type<\/td>\n<td>Often competitive due to profit-sharing<\/td>\n<\/tr>\n<tr>\n<td><strong>Accessibility<\/strong><\/td>\n<td>Widely available<\/td>\n<td>Limited to eligible members<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>What is a certificate of deposit?<\/h3>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Key features of CDs\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<ul>\n<li>Fixed interest rates for the entire term<\/li>\n<li>Terms typically range from three months to five years<\/li>\n<li>FDIC insurance up to $250,000 per depositor, per ownership category, per institution<\/li>\n<li>Variety of types available (no-penalty, bump-up, step-up CDs)<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>A CD is a type of bank account that\u2019s opened for a predetermined amount of time and earns interest at a guaranteed rate. Generally, the account holder cannot withdraw the principal from the account until the CD\u2019s term ends, or else they\u2019ll incur an early withdrawal penalty. Some types of CDs allow more flexibility, such as no-penalty CDs.<\/p>\n<h3>What is a share certificate?<\/h3>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Key features of share certificates\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<ul>\n<li aria-level=\"1\">Fixed dividend rates for the entire term<\/li>\n<li aria-level=\"1\">Similar term lengths to bank CDs<\/li>\n<li aria-level=\"1\">NCUA insurance up to $250,000 per depositor, per ownership category, per institution<\/li>\n<li aria-level=\"1\">Requires credit union membership to open<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>Share certificates, sometimes referred to as credit union CDs, are largely the same as CDs, except they\u2019re offered by credit unions. The earnings on share certificates are called dividends, which are shares of the credit union\u2019s profits. Dividends function the same as yields on CDs, although some credit unions may offer higher rates or lower fees as a result of sharing profits.<\/p>\n<p>You must be a credit union member to open a share certificate. Credit unions often serve a specific community, geographic area, type of employee or association, but some open membership to all. Alliant Credit Union, for example, offers one option that lets anyone join after making a $5 donation to its foundation.<\/p>\n<p>Like CDs, share certificates come in a variety of term lengths, and you typically pay a penalty if you withdraw early. Federally- insured credit unions are backed by the NCUA rather than the FDIC, but NCUA insurance still guarantees that up to $250,000 per depositor, per ownership category, per institution, are covered.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Some credit unions offer special certificates. For example, with holiday club certificates \u2014 often referred to as Christmas club certificates \u2014 you can add funds throughout the year and earn interest until a maturity date shortly before the holiday shopping season. (You don\u2019t have to use the funds for gift-shopping, however.)<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"share-cert-vs-cd\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Who should get a share certificate vs. CD?\" data-outcome=\"\">Who should get a share certificate vs. CD?<\/h2>\n<p>Because the biggest difference between share certificates and CDs is the institutions at which they\u2019re offered, the decision to open one or the other largely depends on whether you prefer to manage your money at a credit union or traditional bank.<\/p>\n<p>Data from the National Credit Union Administration shows that rates at credit unions are higher than banks: The most recent report shows that a 1-year certificate earned an average yield of 3.03 percent, while banks paid an average of 2.35 percent. That doesn\u2019t make credit unions the automatic winner, though. Online-only banks have emerged as formidable competitors in the realm of high-yield CDs, offering some of the most competitive yields on the market.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table wrapped\">\n<tbody>\n<tr>\n<td><strong>A CD is best if you:<\/strong><\/td>\n<td><strong>A share certificate is best if you:<\/strong><\/td>\n<\/tr>\n<tr>\n<td>\u2014 Want the widest selection of institutions and products<br \/>\u2014 Prefer banking with a traditional bank or online bank<br \/>\u2014 Need the convenience of widespread branch locations<br \/>\u2014 Want to easily compare rates across many institutions<br \/>\u2014 Don\u2019t meet credit union membership requirements<br \/>\u2014 Prefer the simplicity of not needing membership<\/td>\n<td>\u2014 Are eligible for credit union membership<br \/>\u2014 Value community-focused banking<br \/>\u2014 Want potentially higher rates due to profit-sharing<br \/>\u2014 Prefer lower fees and member benefits<br \/>\u2014 Want a voice in how the institution operates<br \/>\u2014 Value personalized customer service<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"alternatives\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Alternatives to share certificates and CDs\" data-outcome=\"\">Alternatives to share certificates and CDs<\/h2>\n<p>Standard CDs and share certificates come with an important drawback: You don\u2019t have free access to the money in the account until the term is up. If you need more liquidity or you\u2019re willing to accept more uncertainty than a CD or share certificate, consider these options for your money instead:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>High-yield savings accounts: <\/strong>The best high-yield savings accounts are currently paying rates that are nearly in line with some of the best 1-year CDs and share certificate. However, you won\u2019t pay a penalty for withdrawing the funds and can add money whenever you want. Keep in mind, however, that rates on high-yield savings accounts are variable and may change at any time.<\/li>\n<li>\n<strong>Money market accounts: <\/strong>Money market accounts are a cross between a savings account and a checking account. They have rates similar to an HYSA but often come with a debit card or check-writing privileges. That\u2019s good for earning a higher rate on your everyday money, but it can also create temptations to spend more of the money rather than leaving it alone to rack up interest.<\/li>\n<li>\n<strong>Bonds: <\/strong>Bonds let you invest in governments and corporations. While there are additional layers of complexities and risks compared with the fixed-rate return of a CD or share certificate, short-term bond funds may help you earn a decent return in of five years or less. Governments and corporations can run into all kinds of trouble, which means you\u2019ll need a higher risk tolerance.<\/li>\n<\/ul>\n<p><strong>Compare high-yield savings accounts \u2192<\/strong><\/p>\n<h2 data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>CDs and share certificates are nearly identical products. Both offer guaranteed returns in exchange for locking up your money for a set period of time. However, where you\u2019ll open one can feel very different. While some people love the experience of a big bank with a nationwide network of branches, others love the feeling of belonging to a credit union. Think about what you\u2019re looking for in a financial institution, and cast a wide net in your search to make sure you can earn the best return on your savings.\u00a0<\/p>\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQs\" data-outcome=\"\">FAQs <\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-are-cds-safer-than-share-certificates', 'heading-are-cds-safer-than-share-certificates']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-are-cds-safer-than-share-certificates')\" :aria-controls=\"$id('panel-are-cds-safer-than-share-certificates')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Are CDs safer than share certificates?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-are-cds-safer-than-share-certificates')\" :aria-labelledby=\"$id('heading-are-cds-safer-than-share-certificates')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p class=\"whitespace-normal break-words\">Both CDs and share certificates are equally safe, as they\u2019re both federally insured up to $250,000 per depositor, per ownership category, per institution. CDs are protected by FDIC insurance, while share certificates are protected by NCUA insurance. Both provide the same level of security and government backing.<\/p>\n<h3 class=\"text-lg font-bold text-text-100 mt-1 -mb-1.5\"\/>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-is-a-share-certificate-the-same-as-a-cd', 'heading-is-a-share-certificate-the-same-as-a-cd']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-is-a-share-certificate-the-same-as-a-cd')\" :aria-controls=\"$id('panel-is-a-share-certificate-the-same-as-a-cd')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is a share certificate the same as a CD?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-is-a-share-certificate-the-same-as-a-cd')\" :aria-labelledby=\"$id('heading-is-a-share-certificate-the-same-as-a-cd')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p class=\"whitespace-normal break-words\">A share certificate is essentially the credit union equivalent of a bank CD. Both are fixed-term deposit accounts that earn guaranteed returns, require you to lock up your money for a specific period, and carry early withdrawal penalties. The main differences are the institution type (credit union vs. bank) and terminology (dividends vs. interest).<\/p>\n<h3 class=\"text-lg font-bold text-text-100 mt-1 -mb-1.5\"\/>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-can-i-add-money-to-a-share-certificate-or-cd', 'heading-can-i-add-money-to-a-share-certificate-or-cd']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-i-add-money-to-a-share-certificate-or-cd')\" :aria-controls=\"$id('panel-can-i-add-money-to-a-share-certificate-or-cd')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can I add money to a share certificate or CD?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-i-add-money-to-a-share-certificate-or-cd')\" :aria-labelledby=\"$id('heading-can-i-add-money-to-a-share-certificate-or-cd')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p class=\"whitespace-normal break-words\">Generally, you cannot add money to a standard CD or share certificate after opening. These are designed as fixed-deposit accounts where you deposit a lump sum and leave it untouched until maturity. However, some institutions offer add-on CDs or share certificates that allow additional deposits during the term, though these typically come with lower interest rates than standard products.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"MFcNOUTqfX\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" 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1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/banking\/cds\/cd-vs-share-certificate\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways CDs and share certificates both earn guaranteed returns over a set period.&#13; CDs are offered by banks and pay interest; share certificates are offered by credit unions and pay dividends. Both are federally insured up to $250,000 per depositor (FDIC for CDs, NCUA for share certificates).&#13; Credit unions often offer slightly higher rates<\/p>\n","protected":false},"author":1,"featured_media":22948,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22947","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CDs Vs. 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