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Story summary
- In March 2026, savers should consider 2-year certificates of deposit to grow and protect money amid a slumping stock market.
- Current CD rates around 4% can yield $800 in interest on a $10,000 deposit by maturity in 2028.
- These accounts are insured by the Federal Deposit Insurance Corporation (FDIC), providing principal protection.
- A CD laddering strategy lets savers access funds while earning higher rates by splitting the deposit into CDs.
