<prompt> Human: I checked the wiki and FAQ and didnt find anything about CDs. Are they worth putting money in? How much money would be worth putting in? 500? 1500? I dont know much about them beyond that once you put the money in, you cant touch it before the maturity date without paying a penalty on the interest.For example, if I put 100 in a 60 month CD with .90 APY, does that mean that Ill have 5500 at the end of the 5 years?  <response>: CDs are fine if you want minimally higher returns than a savings account in exchange for decreased liquidity. For example, if I put 100 in a 60 month CD with .90 APY, does that mean that Ill have 5500 at the end of the 5 years?Er, no. Youd have something like 105. 