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If you're fortunate enough to have some extra savings and want to earn higher dividends than a regular savings, checking or money market account, consider a share certificate. A share certificate account is similar to a certificate of deposit (CD), but it is issued by a credit union, rather than a bank. You cannot withdraw your funds during the …

Certificates of deposit, or CDs, are not the most exciting investments, but they are among the safest. They make perfect sense for the risk-averse or for people just looking to park some cash over a specific period of time. The ABCs of CDs CDs differ from traditional savings accounts in that you are committing to keep a sum of money put for a …