Experts largely predict that CD account rates will gradually decline this fall, but economic conditions could push them in different directions. Getty Images/iStockphoto

Savers shopping for certificates of deposit (CDs) today face a key question: Are interest rates as good as they'll get? Or, should they wait for potentially better opportunities? Many banks are offering CD rates in the 4% to 4.5% range. But economic conditions are creating uncertainty about what comes next.

The latest inflation data shows consumer prices rose 2.7% over the past year, holding steady but still above the Federal Reserve's 2% target. In July, Fed officials decided to maintain interest rates at a range of 4.25% to 4.5%. However, two members of the Federal Open Market Committee (FOMC) favored cutti

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