When you’re saving money, every dollar counts — including interest — so keeping your money in a safe, high-yield account is a good way to start working toward your savings goals. High-yield savings accounts (HYSAs) and certificates of deposit (CDs) are two good examples. Both are deposit accounts that can earn 10 times or more interest than traditional savings accounts offered by many banks. However, they differ in important ways. With most CDs, you agree to leave your money in the account untouched for ...