emergencyBreaking NewsKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisisKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisis

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Home/Briefs/savings accounts

BriefApril 9, 2026 · 10:03 PM

Short-Term CDs Now Outperform Traditional Savings by More Than 10 Points

A $10,000 deposit in a 6-month CD earns $205.39 upon maturity. This return is driven by a 4.15% interest rate, which is more than 10 times the 0.39% rate currently offered by traditional savings accounts. The Federal Reserve is holding interest rates steady, leaving borrowing costs elevated and maintaining the status quo for savers. This environment allows for competitive returns on select short-term certificates of deposit. A 9-month CD offers 4.05%, while a 1-year CD offers 4.10%.

Freya Townsend

Savings AccountsCertificates of DepositFederal Reserve

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