Savers should precisely calculate their CD account deposit before getting started this November. boonchai wedmakawand/Getty Images

Certificate of deposit (CD) account rates remain attractive today, hovering 4% or higher.

But with shifting inflation patterns and the Federal Reserve signaling more room for rate cuts, "CD yields may begin trending lower," says Christopher L. Stroup, a certified financial planner and president of Silicon Beach Financial. This makes it difficult to know whether now is the right time to lock in rates or wait for better opportunities.

If you're considering a CD, timing and the deposit amount matter because these accounts lock your money away for set periods. Determining the right amount to deposit, then, is particularly important now. If you need to

See Full Page