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As long as you leave your money in the CD the entire length of the term you won't lose money in a CD The other thing that makes CDs worth it from a risk standpoint is that they are insured by the Federal Deposit Insurance Corp So even if the bank fails you won't lose what you invested.
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Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal Please see the Deposit Account Agreement for.
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Some institutions tout lenient terms or even waived fees for early withdrawal Ally Bank and Bank of America are two banks that highlight a no-fee.
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Ally Bank Increasing Early Withdrawal Penalty on New Long-Term CDs 3 year CD 90 days' loss of interest 4 year CD 120 days' loss of interest.