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Story summary
- A $100,000 CD can earn $2,029-$4,100 in one year, beating comparable high-yield savings and money-market accounts.
- CDs, high-yield savings and money-market accounts all offer rates near 4% for large U.S. deposits.
- The Federal Reserve paused rate changes at the end of April 2026, suggesting steady rates for months.
- Because CDs lock a fixed rate and charge early-withdrawal penalties, splitting funds with variable-rate accounts can raise returns while preserving liquidity.
