How much interest can a $200,000 CD account earn now?

MoneyWatch: Managing Your Money How much interest can a $200,000 CD account earn 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 June 9, 2026 / 3:30 PM EDT / CBS News Add CBS News on Google Moving $200,000 of your retirement funds into a high, fixed-rate CD account may make sense now. Aleksandr Zubkov/Getty Images Protecting and growing your money is always important, but it's especially so now for millions of Americans coping with rising inflation and higher borrowing costs. And it's even more critical for those looking for effective ways to safeguard their retirement funds. Stock market performance has been strong recently, but a major drop earlier this month underlined the volatility of keeping your money fully invested in stocks and bonds. With geopolitical tensions elevated, a high oil price and long-term interest rate projections uncertain now, many may be understandably contemplating a savings strategy shift. That could entail moving a large, six-figure amount like $200,000 out of some volatile investments and into a safe and profitable account like a certificate of deposit (CD) instead.CDs come with interest rates around 4% or higher now, approximately, and those rates are fixed and will hold until the account matures. With CD terms ranging from as short as three months to as long as 10 years, there's likely a term that will align with your savings goals while still protecting your principal and growing your interest. And the interest earned on a sizable $200,000 account will b...