By making select CD account moves in the final weeks of 2025 savers improve their chances of financial success in the new year. Pakin Songmor/Getty Images

With Federal Reserve rates remaining mostly stable until recent months, savers largely reaped the benefits of high returns on their money, including with certificates of deposit (CD) accounts . While not as high as they were in recent years, CD interest rates remained highly competitive this year, and many are still easily discovered in the 4.00% to 4.50% range right now.

If you have a CD with terms maturing in 2026, it's important to make smart decisions now, whether that's renewing your CD account at maturity or reinvesting in a new deposit with better CD account interest rates. But you'll need to start considering y

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