$150,000 CD vs. $150,000 high-yield savings vs. $150,000 money market account: Which option earns more now?

At $150,000, the difference between the right deposit account and the wrong one isn't just a rounding error. Twomeows/ The Federal Reserve's decision to hold interest rates steady once again at its April 2026 meeting has done little to dampen the appeal of deposit accounts. For savers, the Fed's ongoing rate pause has effectively preserved an unusually favorable rate environment, one where yields on certificates of deposit (CDs), high-yield savings accounts and money market accounts remain well above the long-term historical average. That, in turn, can be particularly enticing for anyone sitting on a large amount of savings, like $150,000. At $150,000, the stakes are high enough that the difference between the right deposit account and the wrong one isn't just a rounding error. It can translate to hundreds, or even thousands, of dollars over a matter of months. And, while all three of the most common deposit account types are currently offering competitive rates , they don't all work the same way, and they don't all pay the same either. The rate structure, the access rules and the earning potential vary enough that the choice between them deserves a closer look. So which account actually comes out ahead when $150,000 is on the line? Between a CD, a high-yield savings account and a money market account, the answer depends, in large part, on how long you're willing to commit. Here's what the numbers show. …