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The MarketWatch Guides team looks at Discover’s certificate of deposit (CD) rates and how they have moved over time, by tracking annual percentage yield (APY) changes within the last 90 days.

Lauren Ward is a personal finance writer who has covered banking, real estate and financial services for over a decade. Her work has appeared in USA Today Blueprint, Fox Business and more.

A certificate of deposit, or CD, lets you lock in a fixed interest rate for a fixed amount of time. That's an attractive option in today's market, where savers can find CD rates above 5%.