A $10,000 deposit into the right CD account could result in significant returns on your money. Getty Images

For savers looking to grow their money safely, certificates of deposit (CDs) remain a reliable option, especially at today's interest rates. While the eye-popping yields of a decade ago are gone, the CD rates you can get in this rate environment — which currently sit around the 4% range, depending on the term — are still far better than what you would earn on traditional savings accounts . That means even a modest $10,000 deposit into the right CD account can earn noticeable interest over time, particularly for those willing to lock in funds for a few months or, optimally, a few years.

But high rates are hardly the only selling point for CDs. These accounts are po

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