Articles tagged “CD rates”
2 articles
savings7 min read
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5% Savings vs. 4.3% CDs: Where Should Your Cash Actually Live in 2026?
The best high-yield savings accounts still pay around 4–5% with full liquidity, while top CDs are near 4.30% locked. So why would anyone choose the lower, locked rate? The answer is about the job each one does.
SmartRates Editorial Team
June 24, 2026
savings7 min read
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CD Rates Are Slipping in 2026: Should You Lock In Now or Wait?
The best CDs paid 5% in 2024. Today the top rate is closer to 4.30% — and the Fed's next move is more likely down than up. Here's how to think about locking in before rates fall further.
SmartRates Editorial Team
June 23, 2026