Following historic patterns, as the economy begins to perk up and the Federal Reserve hints at a possible interest rate rise, investors are losing interest in classic CDs, and banks are responding by offering a growing number of alternative rising-rate CDs.

Bankrate.com, in its 2011 Rising-Rate Survey of those products, said that it found a surprising range of opening interest rates among liquid CDs, which allow investors to withdraw funds without penalty, step-up CDs, which raise rates at preset intervals, and bump-up CDs, which give investors a certain number of opportunities to opt for higher rates.

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