A certificate of deposit is a deposit made, usually to a bank, for a specified amount of time for a specified rate.
Terms vary and there are penalties for early withdrawal.
These are usually best for short-term investments, as the interest rates are only above those of a regular savings account. The CDs below are offered by members of the Social Investment Forum. Certificates, IRAs, free checking, Visa credit and debit cards. Chittenden Bank's Socially Responsible Banking Program allows depositors to designate that their accounts be used only for flexible loan programs in affordable housing, business and economic development, conservation and agriculture, downtown revitalization and community building, and education. Socially Responsible Banking strengthens communities by linking targetted deposits from socially concerned customers with the needs of borrowers.