With three back-to-back Fed rate cuts behind us last year and two more expected in 2025, CD rates have been gradually declining. But you haven't missed your chance to lock in solid returns.

With a higher federal funds rate, savers are more likely to secure higher interest rates on interest-earning vehicles like high-yield savings, certificate of deposit (CD) and money market accounts.

But, a certificate of deposit (CD) can help. That's because today's leading accounts come with higher returns than the current inflation rate. However, strong current returns aren't the only ...

Commissions do not affect our editors' opinions or evaluations. The best nine-month CD rates are near or above 4.00% APY. A nine-month CD provides higher returns than a savings account but with ...