"No 'early withdrawal' for me," Arthur chuckled. "I’ve got nowhere to rush to. Let’s lock it in." "No 'early withdrawal' for me," Arthur chuckled

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Arthur watched her pen move. He thought about the house he’d bought in '72, the inflation that had bitten into his pension, and the quiet security of knowing exactly what his money would be worth on a Tuesday three years from now. Unlike the stock market, which felt like a stormy sea, a CD was a sturdy pier. You knew where the wood ended and the water began.

to lock in today’s wins in case the market cools off.

She turned her monitor toward him. For a decade, the "Rates" board in the lobby had been a graveyard of zeros—0.05%, 0.10%. It was a frustrating era for people like Arthur, who lived on the "interest of their interest." But the screen now flashed for a 12-month term.