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CD rates are shit right now, thanks to low interest rates.

Actually, they are really good. The interests rates have come down a bit from their peak, but aren’t actually low at all compared to the last 10 years. These past 3 years have been the most prime time to be in CDs since the 90s.

I am mainly in CDs due to external factors that make locked in returns over regular periods more attractive than other options, though.