But here’s the twist: you might actually earn more at a smaller online bank. Big banks offer convenience (one login, relationship perks, varied terms), but they rarely lead in rates. The real pro move? CD laddering. Split your money across 6, 12, 18, and 24-month CDs. Every few months, one matures; giving you cash flow + the option to reinvest at better rates. And no, having your money in a CD won’t make you lose it; but if inflation eats more than your interest, you’re technically losing purchasing power. Bottom line: don’t just go with the brand. Hunt for the actual best rate; even if it’s not from a name you know.