Savers who have $125K (or more) to deposit in a CD account could earn substantial returns in today's rate environment. Getty Images/iStockphoto

Savers with substantial cash reserves are finding themselves in an enviable position this year. Despite the Federal Reserve's rate adjustments in 2024 and certificate of deposit (CD) rates subsequently cooling from their recent peaks, today's CD account offerings still deliver compelling returns that far exceed what savers could earn just a few years ago. With top CD rates sitting above the 4% mark across various terms, those with six-figure sums to invest are discovering that even conservative investments like CDs can generate meaningful wealth over time.

The appeal of this type of interest-bearing account extends beyond just the attra

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