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Certificates of deposit (CDs) are federally insured deposits issued by banks and savings-and-loan institutions. Investors receive regular interest payments and get back the amount invested upon maturity. Fixed rates CDs let you lock up interest rates for the term, or maturity, that you want. For three-, six-, or nine-month certificates, you receive interest when the CD matures. All other CDs pay interest semi-annually or annually. Security and safety CDs you buy through Schwab are federally insured up to $100,000 per institution. If you buy three CDs from three different banks (in which you have no other accounts), each CD is insured up to $100,000 of principal and interest. Choice of institutions and maturities You can choose a range of maturities varying from three months to 15 years. Minimum investment The minimum amount for a CD is $1,000 and the maximum is $95,000. CDs trade in increments of $1,000.