This investment option allows you to lock in a terrific rate of return over a fixed period of time, and it’s a great place to park funds that you won't need for a while. You can put your money to work for terms of 6, 12, 24, 36, 48, or 60 months. Choose from regular certificates of deposit or IRA certificates, which give you the added benefit of tax-deferred earnings.

*penalty for early withdrawal