A $100,000 deposit into a CD account could earn savers a substantial return on their money right now. Yevgen Romanenko/Getty Images

If you have $100,000 or another six-figure amount invested in stocks or bonds right now, you may be considering alternative homes for your money. Stock market performance has been stronger recently, but it was especially volatile earlier in the year, and it could soon change again if the stubborn inflation rate and elevated interest rates remain where they currently are as of mid-August. And while, over time, stock market returns tend to be somewhat predictable, the short-term changes can make even veteran investors nervous.

For some of these investors, then, a high, fixed-rate savings vehicle may be attractive. And with terms on certific

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