$75,000 CD vs. $75,000 high-yield savings account vs. $75,000 money market account: Which will earn the most interest now?

MoneyWatch: Managing Your Money $75,000 CD vs. $75,000 high-yield savings account vs. $75,000 money market account: Which will earn the most 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 5, 2026 / 1:24 PM EDT / CBS News Add CBS News on Google A $75,000 deposit into a top savings account can still generate a substantial return for savers who act now. MERTEREN/merteren/Getty Images If you have $75,000 currently sitting in a savings account, you likely have plenty of options to leverage those funds further. You can invest it in stocks, for example, or real estate. You can split it among both and even potentially add a portfolio protector by getting started with some gold or silver. But in today's unpredictable economy, in which inflation just surged and interest rates remain high, you may understandably be looking for a more traditional home for your money. And, if you can earn a big return on it, that will be an added incentive. Fortunately, right now, there are still multiple viable account types that can help do just that.A certificate of deposit (CD) account, with a high, fixed interest rate, is one type to consider. But savers shouldn't rush to lock their money in one without also exploring the interest-earning capabilities a high-yield savings and money market account can also provide. And that could be substantial with a deposit size as large as $75,000. To better understand the value each account offers now, it helps to crunch the interest-earning potential of each....