WebAug 9, 2024 · How do I open a savings account for a baby or child? Opening a savings account for your child isn't much different from getting a new account yourself. As the … Web1 day ago · Rates are set and will not fluctuate, unlike stocks. There is less temptation to remove money than with a traditional savings account. CDs are FDIC insured up to $250,000 per depositor. There are no monthly fees. Cons To Opening a CD. Invested money cannot be removed before the term is up without penalties, even in case of an emergency.
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