The right CD account, coupled with a $25,000 deposit, could result in big earnings on your money. Getty Images

While certificate of deposit (CD) yields have cooled from the peak levels seen in late 2023, today's high-rate inflationary environment has kept them elevated, meaning that they're still attractive by historical standards. While you may not find the same CD rate offers that grabbed headlines a year or two ago, many national banks and credit unions continue to offer rates near the 4% mark right now. That's a compelling option, especially when you consider that savings account rates are much less enticing at under 0.4% on average.

But today's relatively high CD rates are just one of the draws. The stability that CDs offer via their fixed rates is what's entic

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