Both accounts have competitive rates now. But which is likely to earn more interest in 2026? Here's what to know.

Both accounts can be viable options for a $20,000 deposit, but which can earn more this year? Here's what to know.

Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the national average rates. CD ladders let you leverage high rates without locking up ...

Certificates of deposit often offer some of the best yields you’ll find at your bank or credit union. In fact, the best CD rates currently sit at over 4% APY. But that high interest rate comes with a ...

Question: I’ve got $10,000 from my year-end bonus, and I want to keep it safe but still earn something. Is a CD or a money market account the smarter move? Answer: It’s a natural question to ask right ...

The Federal Reserve has been consistently lowering interest rates over the last year, making a certificate of deposit (CD) account a less appealing prospect than it was in 2023 and 2024 when interest ...

CD shoppers had a great run the past two years, but that window is closing. As of October 2025, the Fed has already trimmed rates and most analysts expect more cuts before year-end and into 2026.

CDs are built for times like this. With the Fed officially cutting rates in September (and signaling more cuts on the horizon through 2027), locking in guaranteed returns can feel like a safe harbor.

With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, ...