By depositing money into a 3-month CD in 2026, savers can both boost their principal and secure 90 days of protection against market volatility. DBenitostock/Getty Images

With just days remaining in 2025, it's not a bad idea to revisit your savings strategy for the new year. No matter how your money performed for you this year, there's always room for improvement. And with the predictions over the economy next year varying, but inflation and unemployment concerns relatively pronounced right now, many savers may find themselves looking for savings vehicles that can ideally protect their principal and effectively boost their interest.

Fortunately, a certificate of deposit (CD) account can still do both.

While not as high as they were 12 to 18 months ago, CD interest rates

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