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CDs and Money Markets: Competitive Rates for Savers in 2026

2/21/2026

24 2 Full Breakdown

Summary

Story summary

In early 2026, savers can earn competitive rates with certificates of deposit (CDs) and money market accounts, versus traditional savings at 0.39%.
A $40,000 investment in a 6-month CD at 4.05% yields $801.96, while a 4.00% money market account earns $792.16.
Over nine months, both accounts yield the same amount, and CDs offer guaranteed returns despite rate fluctuations.

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Story summary

In early 2026, savers can earn competitive rates with certificates of deposit (CDs) and money market accounts, versus traditional savings at 0.39%.
A $40,000 investment in a 6-month CD at 4.05% yields $801.96, while a 4.00% money market account earns $792.16.
Over nine months, both accounts yield the same amount, and CDs offer guaranteed returns despite rate fluctuations.