Savers can securely and effectively grow their money with select CD accounts in 2026. pcess609/Getty Images

Whether you spent or saved a lot of money in 2025 or simply find yourself holding steady, one item all savers can agree on is that it's important to protect and grow their funds further in 2026. Thinking that, however, and successfully accomplishing that goal are often two separate things. Fortunately, a certificate of deposit (CD) account still offers a viable way to do so, even if these accounts come with interest rates a bit less competitive than they were in recent years.

Average CD interest rates remain exponentially higher than those associated with traditional savings accounts . And, unlike rates on that latter account type, rates here are fixed , meaning tha

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