(CNN) — If you have a lot of cash on hand, it should be making money for you. One way to ensure it continuously does that is to set up a ladder of Treasuries or FDIC-insured certificates of deposit ...

Certificate of deposit (CD) accounts offer savers a relatively easy and reliable way to grow their money. Simply deposit a certain amount into an account, let it sit untouched for the full CD term ...

CDs earning 4% APY provide guaranteed returns with FDIC insurance up to $250,000 — making them one of the safest investments available. A $10,000 CD at 4% APY earns $400 in one year, while a 5-year CD ...

If you’re concerned that rates will fall in the future, a five-year CD can help you guarantee a fixed yield for several years ...