A certificate of deposit (CD) account has been one of the better homes for your money in recent years. Interest rates on the account surged alongside decades-high inflation and an elevated Federal funds rate. And they remained competitive in 2024 and 2025 even after the Federal Reserve started cutting rates again. If you opened an account before those cuts were issued, you were still able to rely on steady interest earnings as the account has a fixed rate that will remain the same through

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