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These deposit accounts are offered by banks and are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per person, per bank. As long as the balance in the account remains below the insurance limit, every bit of principal and interest earned on the account is 100% guaranteed. (To learn more about how your money is protected by the FDIC, read Nolo's article FDIC Insurance: How Safe Is Your Money? ) The credit history As soon as your loan is approved:
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