Savers can stack up their interest earnings with both CDs and money market accounts if opened right now. PHIL LEO/PM Images/Getty Images

If you were looking for a smart place to keep your money in recent years, you had a variety of options to choose from.

With interest rates and, thus, returns, high on everything from certificates of deposit (CDs) to high-yield savings and money market accounts , there was likely a profitable place to keep your money. In many circumstances, with rates on all three accounts similar, the question then shifted to which account type made the most sense, as the returns on each were approximately the same.

However, the rate climate started to shift in the final months of 2024 as multiple rate cuts were issued by the Federal Reserve. That, in t

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