CDs are more valuable to banks because they prevent you from making a bank run by requiring you to keep your money deposited for a set amount of time. They're s

CDs are more valuable to banks because they prevent you from making a bank run by requiring you to keep your money deposited for a set amount of time. They're still investing that money. They also invest the money in savings accounts. Putting your money in a bank is essentially the same as investing it, but with a few more safeguards that you're exchanging for losing out on profit.