Certificate of Deposit the term Certificate of Deposit or CD refers to money market instruments of relatively short duration or savings accounts that pay.

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Presentation transcript:

Certificate of Deposit the term Certificate of Deposit or CD refers to money market instruments of relatively short duration or savings accounts that pay a fixed rate of interest until a given maturity date. Also, funds placed in a Certificate of Deposit usually cannot be withdrawn prior to maturity or they can perhaps only be withdrawn with advanced notice and/or by having a penalty assessed.

Certificate of Participation Certificate of Participation is a financial instrument a form of financing used by municipal or government entities which allows an individual to buy a share of the lease revenue of an agreement made by these entities. It is different from a bond issued by these agencies since participation certificates are secured by lease revenues.