The traditional certificate of deposit, otherwise known as the CD, has long been a popular instrument for savers to consider. Simply put, these products generally offer higher interest rates when compared to traditional savings accounts in exchange for a commitment of those funds by savers for a predetermined period of time. That said, Wall Street had taken to morph this basic CD into something that can yield, ahem, far different results. Why, then, has there been an uptick in interest over the last several years? Simple: investors have been starved for yield amid a record low interest rate environment!