Here's how much interest a $90,000 CD account can earn savers now

It may be worth locking your money into a high-rate CD account now that interest rates are holding steady again. Getty Images/iStockphoto If you have a large, five-figure amount of money, such as $90,000, in your savings account now, investing it in stocks, bonds, real estate or a mix of all three may seem like the best approach. After all, stock market returns in recent years have been as high as 16%. Even the best interest rate on a certificate of deposit (CD) account , for example, tops out around 4% now, making stocks exponentially more profitable. That said, stock market swings can be substantial and, depending on the economy, your gains can be wiped out overnight. That's not a concern with a CD account, which has a fixed interest rate that will allow you to earn a big return no matter how the market evolves during the account's term . While the interest-earning potential of a $90,000 investment can be significant, it won't be guaranteed the way the CD account will. It makes sense, then, to calculate the interest-earning potential the CD offers before making a final decision on your next steps. Below, we'll crunch the returns that savers need to know now. See how much interest you could be earning with a CD account now . Here's how much interest a $90,000 CD account can earn savers now In today's uncertain economic climate, storing $90,000 in a CD account may make more sense for savers than it would have in the past. …