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Keep Your CDs in One Place and FDIC Insured with a Brokerage Account
FDIC deposit insurance only covers certain deposit products, such as checking and savings accounts, money market deposit accounts (MMDAs), and. The short answer is yes. CDs are federally insured by the FDIC. The FDIC insures deposit accounts up to $, per depositor, per FDIC-insured. CDs are insured by the Federal Deposit Insurance Corporation (FDIC) up to $, per individual at each bank.1 Brokered CDs are technically not FDIC-insured.

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Banks give account holders with CDs the opportunity to name a beneficiary, which is a person who will inherit your savings in the event that you die. Banker Resource Center. Often, you must meet conditions to avoid penalties and fees. Table of Contents. Bump-up CDs enable you to request an increase in your rate during the CD term under certain conditions.