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Story summary
- A six-month $20,000 CD at 4.10% yields $405.88, beating a high-yield savings account at 4.03%.
- Analysts compare earnings for $20,000 and $30,000 deposits across CDs, high-yield savings and money-market accounts using 2026 rates, noting the Federal Reserve has kept the federal funds rate elevated and on pause.
- Experts advise shoppers to compare online banks, which often pay higher rates, because money-market returns could fall while CD earnings stay fixed.
