---
title: Certificate of Deposit
description: A certificate of deposit (CD) is a savings certificate issued by a financial institution that has a fixed maturity date and interest rate.
---

[Realized 1031 Glossary of Terms ](https://www.realized1031.com/glossary)

# [Certificate of Deposit](https://www.realized1031.com/glossary/certificate-of-deposit)

 Written by [The Realized Team](https://www.realized1031.com/glossary/author/the-realized-team) | Jun 27, 2022 12:00:00 PM

A certificate of deposit (CD) is a savings certificate issued by a financial institution that has a fixed maturity date and interest rate that restricts the certificate holder’s access to funds from the time of issuance to the specified maturity date. CDs are tools that financial institutions and banks use to generate deposit growth and are typically issued electronically. Financial institutions typically charge a fee if an investor wishes to obtain access to funds prior to the maturity date.

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