2026 Savings Strategy Tip: The CD Pivot Explained
Introduction: Why Your Cash Needs a New Strategy in 2026 For the past two years, savers enjoyed a rare gift: high-yield savings accounts paying 4–5% APY, with full liquidity and FDIC insurance. It felt like the best of both worlds—safety, yield, and instant access. (cd pivot 2026). But 2026 changes everything. The Federal Reserve has…