Top High Yield Cd Savings Account 2024 Rates . Opening a certificate of deposit (cd) allows you to lock in an attractive fixed rate and earn higher returns compared to traditional savings accounts, while providing fdic or ncua insurance. โ today's highest certificate of deposit (cd) rate overall continues to be 5.65% apy.
That apy is nearly three times the fdic’s. Meanwhile, the average apy (annual percentage yield) for a traditional savings.
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