Depositing large, five-figure amounts of money into a savings account like a certificate of deposit (CD) can be both lucrative and smart, particularly in today's volatile financial climate. But it isn't always the flexible move to make for savers, especially if they'll need to maintain access to the majority of their funds. And it may not be the best way to earn extra money, considering the historic returns stocks are known for.  At the same time, depositing a smaller amount of money can still