CDs offer decent yields today, but there are better options for both short-term savings and long-term growth. Here's where to put your money instead.

Before depositing $10,000 into either account, it's worth considering the interest-earning potential of each now.

CD rates today are holding steady at impressive highs — grab up to 4.71% APY while you can. Lock in a great return before the next Fed rate cut takes effect.

Don't deposit $20,000 into either account before calculating the interest-earning potential. Here's what to know now.