CDs Are Boring, But For This Reason

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Certificates of deposit do not trend on social media because they do not come with a trading thesis and they do not offer upside surprises. You hand over cash, you wait, and you get paid. In early 2026, that boring trade-off is exactly the point. CDs are one of the cleanest ways to lock in a known return at a moment when interest rates are still relatively high but no longer guaranteed to stay there. Th ...