Over the past ten years, the stock market has delivered average annual returns of between 10% and 16%. This has made many savers with large sums, such as $100,000 in bank accounts, think about investing their money to earn higher returns. However, traditional savings accounts, including certificates of deposit (CDs), typically offer much lower returns—often around 4% or less. CDs are a type of savings product that offers a fixed interest rate for a set period, usually with a guaranteed return and minimal risk. A 5-year CD, in particular, can be a good option for those who want to earn interest with a fixed rate and are willing to leave their money untouched for five years. These CDs provide predictability and security that other investment options, like stocks, may not. However, the interest rates on CDs can vary widely depending on the financial institution and the term length. This means that savers should compare offers from different lenders before committing their money, especially when dealing with large sums like $100,000. Rushing into the first high-rate offer found online might mean missing out on better deals, and there may also be penalties for withdrawing money before the CD matures. If a $100,000 CD is opened now with a 5-year term, the total interest earned will depend on the rate offered. For example, a CD with a 4.35% rate would earn about $24,023.07 over five years. A CD with a slightly higher rate of 4.40% would yield approximately $24,320.35. Even a small increase in the rate to 4.45% could result in earnings exceeding $24,300, depending on the exact rate secured. For individuals who prefer a low-risk way to grow their savings without taking on the volatility of the stock market or the high costs of real estate, a 5-year CD can be a solid choice. However, it requires a significant financial commitment that not everyone may be able to make. Those who are uncertain about their need for liquidity might consider CDs with shorter terms or explore different financial products. Online marketplaces that aggregate CD rates can be useful tools to compare options and make an informed decision.