In an interest rate environment in which rates are slowly but surely declining, savers may be inclined to lock their money away in an account with a fixed interest rate . With a certificate of deposit (CD) account , for example, the rate the account is opened with will remain the same until the account matures , allowing for predictable interest earnings and protection from rate cuts in the future. But CDs also require savers to keep their money untouched in the account for the full term to