$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/Getty Images 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 …