$80,000 CD vs. $80,000 high-yield savings account vs. $80,000 money market account: Here's which will be most profitable now

MoneyWatch: Managing Your Money $80,000 CD vs. $80,000 high-yield savings account vs. $80,000 money market account: Here's which will be most profitable 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 May 11, 2026 / 2:16 PM EDT / CBS News Add CBS News on Google The interest-earning potential of CDs, high-yield savings and money market accounts will be similar but it won't be identical. Andrii Yalanskyi/Getty Images A Federal Reserve meeting in the final days of April that resulted in interest rates staying paused may not have been the development millions of American borrowers were hoping for. But it will essentially maintain the status quo for savers, many of whom have been accustomed to earning an interest rate of 4% or higher on their money. And while a certificate of deposit (CD), high-yield savings or money market account can all serve as a viable home for savers with small amounts of money, they can also be viable tools for those with five figures stored in an account now. The interest earning potential on a $50,000 deposit can be substantial, for example, as could the returns savers stand to secure with deposits like $75,000 or $80,000. And though stock market returns with an $80,000 investment can be robust, the potential losses there could be significant, too. But that's not a concern with any of these three savings vehicles, making them all worth exploring right now. Between a $80,000 CD, high-yield savings and money market account, then, which will actually be the most p...