If you have cash sitting in the bank and are scared to invest it into something or have a reason not to invest a CD might be a good option. CDs are a way to make a higher percentage from the bank each year. CDs come in different time periods and rates. If you have questions about CDs or need the answer to questions like "what is a step up cd or step down cd?" Zuuply.com can answer them or you can browse our archives.