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Story summary
- In 2026, savers can benefit from a $40,000 certificate of deposit (CD) with fixed interest rates, FDIC-insured up to $250,000.
- The rates are lower than those available in early 2025, reducing potential returns.
- A 3-month CD at 3.90% yields about $384 over the term.
- A 1-year CD at 4.10% yields about $1,640.
