{"id":7848,"date":"2025-02-21T20:04:47","date_gmt":"2025-02-21T20:04:47","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/is-a-20000-cd-still-worth-opening\/"},"modified":"2025-02-21T20:04:47","modified_gmt":"2025-02-21T20:04:47","slug":"is-a-20000-cd-still-worth-opening","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/is-a-20000-cd-still-worth-opening\/","title":{"rendered":"Is a $20,000 CD still worth opening?"},"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:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/02\/21\/9e2b0892-d00a-4217-ac76-15c5ec315968\/thumbnail\/620x389\/607488be0d84b7f3aa9d7822d81dd2e0\/gettyimages-2086436224.jpg?v=db3d87ba7bf4d4ff13b65eabcf0d9bea#\" alt=\"gettyimages-2086436224.jpg \" height=\"389\" width=\"620\" class=\" lazyload\" data-srcset=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/02\/21\/9e2b0892-d00a-4217-ac76-15c5ec315968\/thumbnail\/620x389\/607488be0d84b7f3aa9d7822d81dd2e0\/gettyimages-2086436224.jpg?v=db3d87ba7bf4d4ff13b65eabcf0d9bea 1x, https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/02\/21\/9e2b0892-d00a-4217-ac76-15c5ec315968\/thumbnail\/1240x778\/a13891f9404d7318cf49179da158757a\/gettyimages-2086436224.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%20389'%2F%3E\"\/><\/span><figcaption class=\"embed__caption-container\"><span class=\"embed__caption\">A $20,000 CD account opened with an online bank can still produce big returns for savers if opened now.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>Before putting your money into any investment and before locking it away in a specific savings account, it&#8217;s first crucial to determine the potential opportunity, as well as the cost it may incur to accomplish your goals. While this is an important consideration no matter the sum of money in question, it becomes even more important to get right when working with a five or six-figure sum of money, especially in today&#8217;s unique economic climate.<\/p>\n<p>For much of the last three years, a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-a-certificate-of-deposit-cd\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">certificate of deposit (CD) account<\/a><\/span> was a smart place to put your money, even if you were looking to deposit an amount like $20,000. With interest rates as high as <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-a-6-cd-interest-rate-could-earn-you-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">6%<\/a><\/span> and <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/can-you-get-a-7-cd-rate-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">7%<\/a><\/span>, savers could easily earn a substantial return on their money with no major risk.\u00a0<\/p>\n<p>But in the developing economy of early 2025, in which <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 steadily increasing again and high <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> courtesy of the Federal Reserve remain frozen, some may be wondering about the timely benefits of opening a $20,000 CD right now. Is a $20,000 CD still worth opening? While the answer to this question is ultimately specific to the saver in question, for many it still can be. Below, we&#8217;ll explain why.<\/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%2Fis-20000-cd-still-worth-opening&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fis-20000-cd-still-worth-opening%2F&amp;event_type=click&amp;article_id=bd32a5d1-8a83-4c82-b801-16744808c2f1\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how much interest you could be earning by opening a CD here<\/a>.<\/p>\n<h2><strong>Is a $20,000 CD still worth opening?<\/strong><\/h2>\n<p>Here are three reasons why a $20,000 CD can still be valuable, even in today&#8217;s different economic atmosphere:<\/p>\n<h3><strong>You&#8217;ll earn thousands of dollars<\/strong><\/h3>\n<p>The more you put into a CD, the more you&#8217;ll get out of it. And with a $20,000 deposit, there are multiple ways to <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-earn-thousands-of-dollars-with-a-cd-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">earn a return of $1,000 or more<\/a><\/span>. With an 18-month CD at a readily available 4.16% interest rate, you&#8217;ll earn $1,260.89 upon maturity while a 2-year CD at 4.15% will result in around $1,700 earned. If you extend the <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> further, you&#8217;ll earn even more interest. But the key is to shop around for rates and lenders \u2014 and strongly consider <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/should-you-open-a-cd-account-online\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">online banks<\/a><\/span>, which tend to have much higher rates than banks with physical locations.<\/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%2Fis-20000-cd-still-worth-opening&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fis-20000-cd-still-worth-opening%2F&amp;event_type=click&amp;article_id=bd32a5d1-8a83-4c82-b801-16744808c2f1\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Start shopping for CDs online now<\/a>.<\/p>\n<h3><strong>You&#8217;ll protect your money in an uncertain climate<\/strong><\/h3>\n<p>Hope was high last September that inflation was on a permanent downward trend, and the Federal Reserve contributed to that optimism with a larger-than-expected 50 basis point cut to its federal funds rate. Additional reductions there followed in November and December. But inflation rose during those months and again in January, resulting in a pause in rate cuts that may be extended further than many borrowers would prefer.\u00a0<\/p>\n<p>In this economic climate, savers would benefit from protecting a large portion of their money with a CD. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-are-todays-cd-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Interest rates on these accounts<\/a><\/span> are <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=\"\">fixed<\/a><\/span>, meaning the rate will remain the same despite any volatility during the CD term. And because rates are fixed, savers will be able to precisely determine how much they&#8217;ll earn upon account <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-to-do-when-your-cd-matures-according-to-experts\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">maturity<\/a><\/span>, which is an attractive feature in a climate plagued by unknowns.<\/p>\n<h3><strong>You&#8217;ll make up for lost opportunities<\/strong><\/h3>\n<p>Sure, today&#8217;s CD interest rates aren&#8217;t quite as beneficial as they were this time last year. But if you didn&#8217;t take advantage then, you still can now, particularly with a $20,000 CD that will result in big money returns. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/ways-youre-losing-money-and-how-to-fix-it-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">You may still be losing money<\/a><\/span> now simply by keeping your money in a traditional savings account, with an average <a href=\"https:\/\/www.fdic.gov\/national-rates-and-rate-caps\" target=\"_blank\" rel=\"nofollow noopener\">rate of 0.41%<\/a>. So don&#8217;t be overly concerned about missed high-interest-earning opportunities and take advantage now, while you still can. Just avoid keeping any money in an account that&#8217;s not even keeping pace with inflation.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>It can be difficult to part with $20,000, especially in today&#8217;s economy. But for some savers, it could be worth moving it into a CD despite that difficulty. With CD rates still elevated, the potential to earn thousands of dollars in interest, protection against growing economic uncertainty, and the chance to make up for lost opportunities not exploited in recent years, a $20,000 CD can still make sense. Just be sure that you can afford to part with the money for the full CD term, no matter which length you ultimately decide on, to avoid having to pay an expensive <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 penalty<\/a><\/span> to regain access to your money.<\/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%2Fis-20000-cd-still-worth-opening&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fis-20000-cd-still-worth-opening%2F&amp;event_type=click&amp;article_id=bd32a5d1-8a83-4c82-b801-16744808c2f1\" 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\/is-20000-cd-still-worth-opening\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A $20,000 CD account opened with an online bank can still produce big returns for savers if opened now. Getty<\/p>\n","protected":false},"author":1,"featured_media":7849,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-7848","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>Is a $20,000 CD still worth opening? - World News<\/title>\n<meta name=\"description\" content=\"Even though interest rates have dropped slightly, a $20,000 CD account can still be worth opening now. 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