$100,000 CD vs. $100,000 high-yield savings account vs. $100,000 money market account: Here's which will earn more interest now

MoneyWatch: Managing Your Money $100,000 CD vs. $100,000 high-yield savings account vs. $100,000 money market account: Here's which will earn more interest now We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. .chip { background-image: url('/fly/bundles/cbsnewscore/images/chip-bgd/chip-bgd-moneywatch.jpg'); } By Matt Richardson Matt Richardson Sr. Managing Editor, Managing Your Money Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance. Read Full Bio Matt Richardson May 8, 2026 / 12:13 PM EDT / CBS News Add CBS News on Google A $100,000 deposit into a high-rate savings account could make sense for some savers right now. michael balderas/DNY59/Getty Images A $100,000 investment is considerable no matter the type. Whether those six figures are invested in real estate, stocks, bonds, precious metals or a mix of all four, taking this much money out of your savings account and transferring it elsewhere always needs to be done judiciously. And even more so in the economic climate many are contending with currently. With inflation surging in the most recent report, overseas conflicts causing volatility in the market and higher interest rates on pause for the foreseeable future, where you put your $100,000 is more important than usual.For many savers, however, investing it in this climate is understandably not attractive. Instead, the value of select savings accounts may instead be worth exploring. Certificate of deposit (CD), high-yield savings and money market accounts can each protect your principal while growing your interest at a rate of 4% or higher right now. And while you may be able to earn a bigger return with a stock or two, you could also lose money should the market swing in reverse. That's not a concern with these three account types.To bette...