Depositing money into a CD account could make sense for a variety of savers in 2026. Worawith Ounpeng/Getty Images

Interest rates have cooled over the past 14 months, with the Federal Reserve appearing to mirror its late-2024 pattern of rate cuts. The central bank lowered its benchmark rate by 0.25% in both September and October , and expert consensus points to another cut at the Fed's upcoming December meeting. After two years of aggressive rate hikes to curb inflation, the Fed's focus over the past year appears to be on supporting growth and making it more affordable to borrow.

While lower rates are welcome news for borrowers, they're less appealing for savers, including those with money parked in certificates of deposit (CDs) accounts . Currently, the most competitiv

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