Spencer Tierney is a consumer banking writer at NerdWallet. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. His work has been featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based in Oakland, California.
- Education: B.A. in English from University of California, Berkeley
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CD Accounts Explained: Use For Strong Fixed Returns
Why should you consider opening a CD? CDs, or certificate of deposit, are a good option for earning interest. But be mindful of the drawbacks to CDs that you should know, like penalty fees for early access. We share the pros and cons to CDs so that you are able to accurately weigh your options when considering opening a CD. 
