economy
$25,000 CD vs. $25,000 high-yield savings vs. $25,000 money market account: Which earns the most in 2026?
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TL;DR
- Inflation is rising, eroding the purchasing power of money held in traditional savings accounts.
- High-yield savings accounts, money market accounts, and CDs offer better interest-earning potential.
- Calculations for a $25,000 deposit show varying returns: a 3-month CD earns $240.26, a high-yield savings account earns $248.16, and a money market account earns $246.34.
- For longer terms (6 and 9 months), CDs generally show higher earnings than high-yield savings or money market accounts.
- High-yield savings and money market accounts offer variable rates that can adapt to market changes, while CDs have fixed rates.
- Splitting funds between different account types can be beneficial in a changing economic landscape.