A customer willing to open an account with a large minimum balance for an extended amount of time would earn the most interest putting the money into a

A certificate of deposit (CD) holds money for a set period, and banks typically offer a higher interest rate in return for keeping the funds deposited until maturity. A large minimum balance and a long time horizon fit those terms, so the CD would generally earn the most interest. A regular savings account usually offers more flexibility but a lower rate.

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