<prompt> Human: My bank is offering me a share certificate for 5 on a 12-month investment. It caps out at 1000 so I was thinking about just putting the full amount. Edit: bank, not back lol  <response>: A 5 interest rate on a 12-month investment is an absolute anomaly and ridiculously attractive. The highest yielding FDIC investment I can find is 2.25. Balance out your needs for liquidity versus investment needs during those 12 months. Are you okay without having access to 1k to earn 50? Since the share is capped out at 1k, its most likely a marketing tactic used by the bank to engender customer loyalty. On the banks balance sheet, they are certainly recouping that loss elsewhere. One of the best pieces of financial advice Ive ever received is that percentages dont pay the bills, money does. If you have 5k to your name, investing 20 of it to earn 50 probably isnt wise. If you have 50k, its a different story. Try not to spend much time thinking about whether you should go forward with this investment because of its relatively low yield in dollars. Typically, when banks issue short term share certs at higher than market value it indicates that the bank is expecting short term market volatility and rapid fluctuations in inflation and this is one way a bank can hedge against that risk. 