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CD rates should stay low in 2021 Online banks typically pay higher interest rates on CDs than national brick-and-mortar banks Online CD rates went down in 2020 but they probably won't decrease much more in 2021 because they need to pay higher rates to compete with large banks like Chase or Bank of America. Certificates of Deposit are subject to penalty for early withdrawal With fixed rate term accounts rates are guaranteed for the length of the term Fees could.
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