How much interest can a $100,000 3-year CD account earn savers at today’s rates?

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September 8, 2026 / 3:40 PM EDT / CBS News

With stock market returns worth 10% or higher over the past 10 years, if you have a large, six-figure amount such as $100,000 available now, many would argue that it's better to invest that money than to simply store it in a select savings account. The risks with investing in stocks, however, are well known and they can be easily circumvented with a fixed-rate savings account instead. A certificate of deposit (CD) account is one of them.

CD interest rates remain high right now and they're positioned to rise higher later this month if the Federal Reserve proceeds with an interest rate hike, as many currently anticipate. And, if you elect to use a long-term CD, you can lock in that rate for a multi-year period, ensuring that your principal has long-term protection while earning a fixed rate of return that won't change, even as the rate climate inevitably evolves during that same timeframe.

A 3-year CD, in particular, which offers one of the best rates available for savers this…

Original source: https://www.cbsnews.com/moneywatch/