$75,000 CD vs. $75,000 high-yield savings account: Which will earn more interest over the next year?

As of late 2025, the Federal Reserve has been cutting interest rates multiple times due to economic conditions. However, if a rate hike by 25 basis points occurs in their upcoming September meeting, it could benefit savers with larger accounts. Two options for earning more interest with a $75,000 deposit are a 1-year CD at 4.40% or a high-yield savings account at 4.10% which could rise if Federal Reserve rate increases continue.

The CD will earn $3,300 over the year while the savings account would yield $3,075. The CD comes out ahead by $225, but the savings account could surpass it if rates climb. Savers should weigh these factors and consider splitting their funds between both options while moving from standard savings accounts to higher yielding alternatives.