A $50,000 CD account can lead to substantial interest earnings for savers in 2026. BanksPhotos/Getty Images

If you've been able to save a large, five-figure amount like $50,000 in the economic climate of recent years, then you'll probably want to safeguard it now. With inflation cooler but sticky, concerns over unemployment rising and interest rate cuts a bit harder to predict, it's critical that a savings amount of this size is invested in the right place. Ideally, you can store it in an account that will both protect your principal and grow interest at the same time.

For many savers, a certificate of deposit (CD) account could be the way to accomplish both goals. Interest rates are admittedly lower than they were a year or two ago, but they're exponentially higher

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