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certificates of deposit what are they are they worth it and what are the best CD rates out there before I happen to everything you need to know about a certificate of deposit I want to make one disclaimer during the pandemic we're in now the Federal Reserve actually dropped their interest rates all the way to near zero this affected most savings and certificate of deposit interest rates I'll show you what a CD looks like in current times as well as what they usually look like in non pandemic times when they could be a great foolproof investment if you're new here welcome my name is Nick and this channel covers anything and everything about money if you end up enjoying this video be sure to go down below hit that like button and consider subscribing alright so onto a certificate of deposit the concept of a CD is very very simple you give a bank a lump sum of money for a set period of tim