{"id":7120,"date":"2025-02-18T23:00:38","date_gmt":"2025-02-18T23:00:38","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/cd-account-pros-and-cons-to-know-this-march\/"},"modified":"2025-02-18T23:00:38","modified_gmt":"2025-02-18T23:00:38","slug":"cd-account-pros-and-cons-to-know-this-march","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/cd-account-pros-and-cons-to-know-this-march\/","title":{"rendered":"CD account pros and cons to know this March"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\"><span class=\"img embed__content\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/02\/18\/0a5a7aab-1704-401c-9f6f-0a100bdcfb6a\/thumbnail\/620x407\/b0fc5882c98f8a386d6e48890b9cae75\/gettyimages-661449910.jpg?v=db3d87ba7bf4d4ff13b65eabcf0d9bea#\" alt=\"gettyimages-661449910.jpg \" height=\"407\" width=\"620\" class=\" lazyload\" data-srcset=\"https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/02\/18\/0a5a7aab-1704-401c-9f6f-0a100bdcfb6a\/thumbnail\/620x407\/b0fc5882c98f8a386d6e48890b9cae75\/gettyimages-661449910.jpg?v=db3d87ba7bf4d4ff13b65eabcf0d9bea 1x, https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/02\/18\/0a5a7aab-1704-401c-9f6f-0a100bdcfb6a\/thumbnail\/1240x814\/63832d7b49c63e0fa6316a20dc274b51\/gettyimages-661449910.jpg?v=db3d87ba7bf4d4ff13b65eabcf0d9bea 2x\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%20620%20407'%2F%3E\"\/><\/span><figcaption class=\"embed__caption-container\"><span class=\"embed__caption\">While returns on CDs have declined in recent months, they&#8217;re still a viable way for savers to grow their money now.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>If you paid attention to the interest rate climate of the last five years, it was obvious when <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-a-certificate-of-deposit-cd\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">certificates of deposit (CD) accounts<\/a><\/span> were valuable (and when they weren&#8217;t). In the low interest rate climate of 2020 and 2021, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-are-todays-cd-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">rates on the accounts<\/a><\/span> were mainly under 1%, making them an unreliable way to earn any significant returns. But in the interest rate climate of 2022 through 2024, rates on these accounts grew exponentially, making them an integral part of many savers&#8217; financial strategies.<\/p>\n<p>In the early months of 2025, however, the benefits of these accounts have become less clear. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/cpi-report-january-inflation-what-it-means-for-your-money\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Inflation<\/a><\/span> is down from where it was in 2022, but it&#8217;s risen in four consecutive months. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/federal-reserve-fomc-meeting-today-interest-rates-decision-january-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Interest rates<\/a><\/span>, meanwhile, were cut three times in 2024 but are now on a seemingly permanent hold until inflation gets back under control. In this climate, prospective CD account holders should know the pros and cons of opening an account this March. Below, we&#8217;ll break down what to know.<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fwww.bankrate.com%2Flanding%2Fcbsnews%2Fbest-cd-options%2F%3Fsub-id%3Dwww.cbsnews.com%2Fnews%2Fcd-account-pros-and-cons-to-know-march-2025&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcd-account-pros-and-cons-to-know-march-2025%2F&amp;event_type=click&amp;article_id=cff53ccf-a3b0-4b30-a50d-fb138b76b6a8\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Start by seeing how much more you could be earning with a CD account here<\/a>.<\/p>\n<h2><strong>CD account pros and cons to know this March<\/strong><\/h2>\n<p>Here are four critical pros and cons to know this March:<\/p>\n<h3><strong>Pro: Interest rates are still relatively high<\/strong><\/h3>\n<p>Are CD interest rates still available in the 6% to 7% range from recent years? No, they&#8217;re not. But with a little research and the use of an <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-you-should-open-a-cd-with-an-online-bank-this-january\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">online bank<\/a><\/span>, specifically, savers can still earn a rate of 4% to 4.50%. That&#8217;s $4 earned on every $100 deposited, made easily by transferring a portion of your funds into a high-earning account. Compared to the sub-1% rates on traditional savings accounts and the rate\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/fixed-vs-variable-interest-rate-which-is-better-for-your-savings-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">variability<\/a><\/span> that comes with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/high-yield-savings-account\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">high-yield savings accounts<\/a><\/span>, these high rates become even more attractive.<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fwww.bankrate.com%2Flanding%2Fcbsnews%2Fbest-cd-options%2F%3Fsub-id%3Dwww.cbsnews.com%2Fnews%2Fcd-account-pros-and-cons-to-know-march-2025&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcd-account-pros-and-cons-to-know-march-2025%2F&amp;event_type=click&amp;article_id=cff53ccf-a3b0-4b30-a50d-fb138b76b6a8\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Get started with a high-rate CD online now<\/a>.<\/p>\n<h3><strong>Con: Rate increases are unlikely<\/strong><\/h3>\n<p>The consistent increases in the federal funds rate and, thus, CD rates, that savers were accustomed to in 2022 and 2023 seem to be a thing of the past now. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/federal-reserve-fed-meeting-interest-rate-cut-decision-december-2024\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Interest rate cuts<\/a><\/span> were issued multiple times toward the end of 2024. And even with inflation rising slightly, it hasn&#8217;t done so dramatically enough to warrant a reversal in the Fed&#8217;s rate cut campaign. So that means interest rates will likely remain the same when the bank meets again in March (the <a href=\"https:\/\/www.cmegroup.com\/markets\/interest-rates\/cme-fedwatch-tool.html\" target=\"_blank\" rel=\"nofollow noopener\">CME Group&#8217;s FedWatch tool<\/a> has it listed at an almost 98% certainty).<\/p>\n<h3><strong>Pro: Predictable returns in an unpredictable climate<\/strong><\/h3>\n<p>The hope after interest rates and inflation steadily declined last year was that both would continue their downward trend this year, but that hasn&#8217;t been the case. Interest rates have stagnated and inflation is now a full percentage point above the Federal Reserve&#8217;s target 2% goal. This uncertainty makes the predictable returns a fixed-rate CD can provide particularly beneficial now. By opening a high-rate CD for March, savers can exactly determine what they stand to make, even if rates jump up and down during that <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/cd-terms-everything-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">CD term<\/a><\/span>.<\/p>\n<h3><strong>Con: Higher deposits are required<\/strong><\/h3>\n<p>While not impossible, it&#8217;s a bit more complicated to earn a high return on a CD now that rates have dipped from recent highs. Use that $100 deposit as an example. Previously, you could potentially earn $6 or $7 for each $100 deposited. To get that now, however, savers will need to deposit between $135 and $156 (for a 12-month CD). Higher deposits are required, in other words, to earn the same amount that was readily available a year or two ago. And that dynamic is highly unlikely to change in March 2025.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>The CD account interest rate climate of March 2025 is certainly different from March 2024 or March 2023. But it&#8217;s not nearly as low as what it was in March 2020, either. Savers will just need to understand these pros and cons and apply them strategically to their CD account approach. There are still big earnings to be had if savers first take the time to compare rates, lenders, terms and <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/cd-early-withdrawal-penalties-what-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">early withdrawal penalties<\/a><\/span>.\u00a0<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fwww.bankrate.com%2Flanding%2Fcbsnews%2Fbest-cd-options%2F%3Fsub-id%3Dwww.cbsnews.com%2Fnews%2Fcd-account-pros-and-cons-to-know-march-2025&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcd-account-pros-and-cons-to-know-march-2025%2F&amp;event_type=click&amp;article_id=cff53ccf-a3b0-4b30-a50d-fb138b76b6a8\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Learn more about your current CD options here<\/a>.<\/p>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/matt-richardson\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Matt Richardson<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">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.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/cd-account-pros-and-cons-to-know-march-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>While returns on CDs have declined in recent months, they&#8217;re still a viable way for savers to grow their money<\/p>\n","protected":false},"author":1,"featured_media":7121,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-7120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CD account pros and cons to know this March - World News<\/title>\n<meta name=\"description\" content=\"With the interest rate climate frozen now, prospective CD account holders should know these pros and cons for March.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/site.itshrt.com\/worldnews\/cd-account-pros-and-cons-to-know-this-march\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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