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 "do deposit brokers have to go through any licensing or certification procedures?" Zuuply.com can answer them or you can browse our archives.