How much interest can a $10,000 CD account earn now vs. April 2025?

MoneyWatch: Managing Your Money How much interest can a $10,000 CD account earn now vs. April 2025? 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 April 17, 2026 / 1:14 PM EDT / CBS News Add CBS News on Google The interest-earning potential of a CD account now versus one year ago should be weighed carefully. Andrii Yalanskyi/Getty Images A certificate of deposit (CD) account has been one of the better homes for your money in recent years. Interest rates on the account surged alongside decades-high inflation and an elevated Federal funds rate. And they remained competitive in 2024 and 2025 even after the Federal Reserve started cutting rates again. If you opened an account before those cuts were issued, you were still able to rely on steady interest earnings as the account has a fixed rate that will remain the same through maturity.That said, CD interest rates aren't immune to market fluctuations, as many savers saw when they went to renew recently matured accounts only to find lower rates being offered on the same terms. It can be helpful, then, to understand the recent rate trajectory as it can better determine the urgency of your next steps, or lack thereof. And this can be clearly seen when comparing the interest-earning potential of a $10,000 CD account now versus what it would have been around one year ago.Start by seeing how much interest you could be earning with a CD account here.How much interest can a $10,000 CD account earn now vs. April 2025?The interest-earning potential of a...