Are CD returns worth the withdrawal restrictions? Experts offer insight [CBS News]
Community Bank System, Inc. (CBU)
Last community bank system, inc. earnings: 4/20 06:45 am
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Source: CBS News
their cash in something with low risk and the potential for high returns. CD interest rates can vary widely, but if you shop around, you can easily find CDs in a wide range of terms offering over 4% APY currently. In exchange for those high CD rates, you agree to hold your funds in the account for a set term , which could be anywhere from a few months up to 10 years. If you need to access your funds early, you could get hit with an early withdrawal penalty Given the restrictive CD withdrawal rules, it's important to weigh the potential CD returns along with the risks and understand when it makes sense to use a CD and when it doesn't. We spoke with three experts who share when a certificate of deposit is a good idea, despite the restrictions and when it's not. Lock in a high rate on a CD account today When CD restrictions are worth it Here are some scenarios when CD returns are worth it, even with the early withdrawal penalty. You're saving for a specific goal A major adv
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CBU
News
- Community Financial System Announces Fourth Quarter and Full Year 2025 Earnings Conference Call [Yahoo! Finance]Yahoo! Finance
- Community Financial System Announces Fourth Quarter and Full Year 2025 Earnings Conference CallBusiness Wire
- First Farmers and Merchants Corporation Declares Quarterly Cash Dividend of $0.29 Per Share [Yahoo! Finance]Yahoo! Finance
- Short-term CD accounts vs. long-term CD accounts: Which will be better for 2026? [CBS News]CBS News
- Community Financial System (NYSE:CBU) was given a new $62.00 price target on by analysts at Piper Sandler.MarketBeat
CBU
Earnings
- 10/21/25 - Beat
CBU
Analyst Actions
- 10/23/25 - Keefe, Bruyette & Woods
CBU
Sec Filings
- 12/19/25 - Form 4
- 12/19/25 - Form 4
- 12/19/25 - Form 4
- CBU's page on the SEC website