When I'm not listening to music, I operate a cd rates website where I update savings account rates and various other online banking products.
The thing about certificates of deposit is they are an zero risk product. All cds are insured by the FDIC so you don't have to worry about not making money on a CD.
CDs pay you interest on the money you put into them just like a savings account, only cd rates are typically higher than savings rates. This is because you must lock in your money with a cd while a savings account is liquid, you're free to put in or take out money as you please.
If you have any financial questions feel free to contact me.