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CD Rates which is known as Certificate of Deposit Rates are not savings bonds, nor saving accounts. They are similar, but require you to keep the money in the account over a certain amount of contracted time. The amount accrues interest, but if it is taken out, then it you would not receive the amount of money that was interest. The amount for investing in CDs are much higher than usual savings accounts. However, the interest rates are usually much better than savings accounts from even credit unions.

This is something that my ex and I have discussed about getting with the money we have put together in his savings account. It would allow Angel to have money when he is older and not have to worry.