A $10,000 CD account opened now could lead to substantial returns for savers by November 2026. Pakin Songmor/Getty Images

With just a few weeks remaining in 2025, many Americans may find themselves reevaluating their financial health. While financial resolutions for the new year are common, it's not always clear what strategies and tools should be used and which should be avoided. This is especially true in today's unpredictable economic climate, in which stock market performance is strong but inflation and unemployment issues remain concerning. In this climate, it's equally important to understand where not to keep your money as it is to know where it should go.

For many savers, a viable home for a portion of their funds remains a certificate of deposit (CD) account

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