Savers can still earn hundreds of dollars worth of interest with the right CD account size and term now. witthaya_prasongsin/Witthaya Prasongsin/Getty Images

Temporarily sacrificing access to your money may not seem particularly advantageous right now, especially if you're considering doing so with a five-figure amount like $20,000. After all, inflation remains sticky and problematic, layoffs are surging and the prospect of additional interest rate cuts appears murky, at best. So locking your money away with a certificate of deposit (CD) account , for example, may not seem particularly advantageous now, especially after average rates here declined in 2025.

That said, the more you deposit into one of these accounts, the more interest you stand to earn. And while CD inter

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