Which interest-bearing account is the best for people who won't need access to their money for several months or longer

There are several types of savings accounts available depending on how much access you will need to your money. The less access you have, usually the higher interest rate you will get. If someone doesn't need the money for several months, a certificate of deposit (CD) would be the best option. This is a longer term investment that restricts your access to the money for usually a period of several months to years.

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