What is a CD? CD stands for certificate of deposit. When you open a CD, you agree to set aside a designated amount of money for a specific amount of time. Certificates have a higher rate of return than a normal savings account. If you take out any money early, there is a penalty. Here at Members First Credit Union, the minimum deposit needed to open a CD is $500 and our minimum term is 6 months and our maximum term is 36 months. Opening a CD is a great way to start investing and can help you ear
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