APY APY stands for Annual Percentage Yield, which is the actual rate of return per year, including compound interest. The APY is typically the rate you'll see featured for the CD you're considering.
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CD Calculator: Calculate Your Rate and Interest
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The interest-earning potential with either account is significant now, but only one will guarantee those returns.
Both accounts can be viable options for a $20,000 deposit, but which can earn more this year? Here's what to know.
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