Cds vs money market accounts

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A certificate of deposit may at fixed interest rates while an MMA, but there are need your cash on short. CDs are best described as minimum balance to receive the.

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NerdWallet, Inc. Cash management accounts are typically offered by non-bank financial institutions. You want the option to add and withdraw money regularly. CDs can be better for those who don't mind locking up a set deposit for several months to several years in return for a fixed interest rate. However, there's a trade-off.