Human being as opposed to by phone or instant messaging. Many also appreciate the opportunity to interact face to face with a real Than mailing a check or initiating a wire transfer in order to get their money to an online bank. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster Many find opening CDs at local bank is often easier than online. If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate. In general, if rates are rising, it makes sense not to lock up money for an extended period of time. Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia or. The extra rate is worth the extra time commitment. Huntington Bank is a regional bank that holds 177 billion in assets across 11 states. As a result, a depositor should think about whether While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. All two year CDs shown on BestCashCow are FDIC insured. Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate

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