Updated July 24, 2026 · refreshed automatically every 6 hours
A 1-year CD currently locks about 4.10%. The question is whether that beats staying liquid: high-yield savings pays about 3.80% and 3-month T-bills about 3.78% today, but both float with the Fed.
Under the market-implied path, floating cash averages roughly 3.95% over the next year, so the lock is currently the stronger side of the trade. That flips if the Fed surprises — which is exactly what the simulator lets you test.
Feddecision’s Money Score has savers at 9/10 today: cash in any of these forms is earning a real return above expected inflation.
Feddecision translates market data into plain English. This page is generated automatically from today’s data and is general education — not personalized financial, investment, or tax advice.