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A = P(1 + r/n)n·t $10,000 @ 4.50% APY → $10,450 Guide
How CD interest works
Truth in Savings APY vs interest rate, compounding, compound-interest math, and a transparent $10,000 example.
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CD vs high-yield savings
Liquidity vs term deposits, FDIC/NCUA insurance basics, and how to run your own numbers.
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