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The APY Annual Percentage Yield is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate compounded daily for a 365-day period.
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You earn interest from the date of your opening deposit up to your maturity date.
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A CD is an insured financial product similar to a savings account, which means it has little to no risk.
Unlike a savings account, a CD has a specific, fixed term which is why they are sometimes called "time accounts" go here, and generally earns interest at a fixed interest rate.
After the CD reaches the end of its term this is called "maturity"the account holder may withdraw the money and its accrued interest or renew for an additional term.
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