There are still ways to find high CD interest rates, even in today's cooling rate climate. jean meyntjens/Getty Images

The interest rate environment is changing once again.

After the Federal Reserve kept its federal funds rate on pause for all of 2025, the central bank is poised to issue its first rate cut of the year when it meets again in September. That will be the first such reduction since December 2024 and, inevitably, will help reduce the burden felt by borrowers – and the returns earned by savers.

One such account type that will be impacted is a certificate of deposit (CD) . Rates here have already declined over the past year and will do so alongside a declining federal funds rate, even perhaps before a formal rate cut is issued again. Still, while the chances of f

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