As rates continue to drift lower, tools like add-on CDs can help savers stay a step ahead. MicroStockHub/Getty Images

Interest rates have remained relatively high over the last few years, but with the Federal Reserve recently cutting rates — and more rate cuts on its near-term agenda — that could be changing soon. If you plan to borrow cash in the near future, that's likely a relief to hear. But if you're hoping to put money in savings and make decent interest off it when you do, it's another story.

Fortunately, a long-term certificate of deposit account (CD) can offer a way around those falling rates. With these, you can lock in today's CD interest rates for the long haul, ensuring you make solid interest off your money for months or even years to come. And with an add-o

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