CDs, High Yield Savings and Money Market accounts comparison--

Of course look at the interest rate and other things, such as penalties for early withdrawal.

https://www.cbsnews.com/news/10000-cd-high-yield-savings-money-market-account-earn-most-interest-2026/?utm_source=firefox-newtab-en-us

Also watch what the Fed does and if accts are FDIC insured.

How risk averse or not are you?

I myself would rather be safe than sorry.