1) Most of Americans savings are stored in banks. Why might a credit union be a better place for your savings? 2) What distinguishes Certificates of Deposits (CD's) from the other types of savings accounts offered by banks (day to day savings and money market deposit accounts)? List at least one advantage and one disadvantage between the CD and the other savings accounts. 3) Taking into consideration the relatively low rates of return on these accounts and the fact that banks are private companies that can make bad loans and go broke, why do individuals feel so confident that their money is safe in a bank