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Tag: Risk vs. Return

An investor deciding between a traditional insured certificate of deposit (left) and an uninsured CD (right), with higher potential rewards but increased risks.

Understanding Uninsured Certificates of Deposit: Risks, Benefits, and Types

August 24, 2025 FinanceFacts101 Business Finance

Introduction to Uninsured Certificates of Deposit An uninsured certificate of deposit (CD) is an investment option that offers higher interest rates compared to the insured CDs provided by traditional banks or credit unions. These certificates do not come with any FDIC or NCUA insurance, meaning the investor takes on all

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