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Here is a step-by-step guide on how to buy one and start earning more. 1. Determine Your Goal and Timeline

Some CDs require $500, while others require $10,000.

If you take your money out before the term ends, you’ll usually lose several months of interest. Make sure you won't need that cash in an emergency! 4. Open the Account Once you’ve picked a bank: Apply: You can usually do this online in about 10 minutes.