Hvad er indskudsbevis, og hvordan fungerer de?
Certificate of deposit
CD'er svarer til opsparingskonti, idet de er forsikrede "penge i banken" og dermed næsten risikofri. I USA er CD'er forsikret af Federal Deposit Insurance Corporation (FDIC) for banker og af National Credit Union Administration (NCUA) for kreditforeninger. De adskiller sig fra opsparingskonti ved, at CD'en har en bestemt, fast løbetid (ofte en, tre eller seks måneder eller et til fem år) og normalt en fast rentesats. Banken ønsker, at kunden skal beholde CD'en, indtil den udløber, hvorefter han/hun kan hæve pengene og de påløbne renter.
Certificate of deposit
CDs are similar to savings accounts in that they are insured "money in the bank" and thus virtually risk free. In the USA, CDs are insured by the Federal Deposit Insurance Corporation (FDIC) for banks and by the National Credit Union Administration (NCUA) for credit unions. They differ from savings accounts in that the CD has a specific, fixed term (often one, three, or six months, or one to five years) and, usually, a fixed interest rate. The bank intends that the customer hold the CD until maturity, at which time they can withdraw the money and accrued interest.
Certificate of deposit