Rates of certificate of deposits are mostly negotiated between

A. bank and COD buyer
B. bank and stock market
C. stock market and COD buyer
D. indirect negotiations of buyers
✅ The correct answer is option A.
Rates of certificate of deposits are mostly negotiated between bank and COD buyer. A certificate of deposit (CD) is a product offered by banks and credit unions that offers an interest rate premium in exchange for the customer agreeing to leave a lump-sum deposit untouched for a predetermined period of time.

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