The interest earnings on a CD account of this size can be substantial. And they can materialize fairly quickly, too.

In 2026, a 1-year CD can offer a rare mix of safety, flexibility, and strong yield without locking you in for the long haul.

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Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.