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Rates will vary and your go-to bank may not offer the best APY. For example ... On the other hand, it may not make sense to invest in a 3-month CD with a rate that’s on par with your savings ...

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If you want to open a 3-year CD, locking in a high rate is often ... from auto buying to home refinance and how to choose the best bank accounts.

Certificates of deposits, or CDs, are another savings option. If you’re looking into CDs, the best 3-month CD rates today range from 4% to 5%, depending on the institution. Here are our top picks.

However, you can find high-yield savings accounts that offer 3% to 5% APY, even without a minimum deposit amount. Money market accounts are like a cross between savings and checking. The best ...