Making these simple but wise CD account moves could help you earn more this fall. Steve Dunning/Getty Images

Certificate of deposit (CD) account rates may have peaked last year, but today's rates are still higher than historical averages. The question is where they'll go next.

With rising inflation , an uncertain economy and potential Federal Reserve rate cuts on the horizon, CD rates will likely be affected, and that means savers should make a plan now for how they'll respond.

So, should you open a new CD account now or wait a few months for higher rates ? What other CD moves should you be eyeing as we head into fall? Here's what experts have to say.

Compare today's top CD account options and start earning more now .

4 smart CD moves to make this September, according

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