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No-penalty CDs give you the benefit of guaranteed earnings while allowing you to withdraw your funds early if you need them. Liliana Hall is a writer for CNET Money covering banking, credit cards ...

You also won't have to worry as much about CD rate fluctuations. Con: Early withdrawal penalties for long-term CDs are significant Long-term CDs generally have higher early withdrawal penalties ...

CDs with a term of a year or less will payout all interest earnings at maturity. Edward Jones doesn’t allow early withdrawals, per se, instead you may sell your CD on a secondary market to ...