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As of January 20, 2026, deposit account rates are declining; however, consumers can still secure competitive returns with certificates of deposit (CDs), high-yield savings accounts, and money market accounts, all offering rates above 4%. The best CD rates reach up to 4%, while high-yield savings accounts and money market accounts can offer up to 4.1% APY, making them viable options for those looking to preserve and grow their savings.
Credit: Yahoo
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