Savers looking to earn a sizable return on their money should closely compare their account options first. Getty Images/iStockphoto

If you're looking for a home for a large amount of money, like $50,000 or more, and don't want to deal with any market volatility that could adversely affect your principal and interest, you may be considering skipping stocks and bonds. And while a certificate of deposit (CD) account could be a viable alternative, especially with interest rates there high now and earnings easy to calculate thanks to their fixed nature, CDs aren't always simple to manage. If you need the money before the CD has matured – which is possible, if not likely with a large deposit – you'll need to pay an early withdrawal fee to regain access.

Fortunately, there

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