Capital One and Marcus by Goldman Sachs are offering this rate on 11- to 12-month CDs. That means if you put in $10,000, you’ll earn over $400 in interest by next year; no risk, no hassle, just guaranteed returns. This isn’t some wild crypto gamble or stock market play. It’s a simple, boring, safe way to grow your money while you decide what to do next. And with the Fed raising rates again, these numbers could go even higher; or drop if they reverse course. So if you’re sitting on idle funds, now might be the time to act. P.S. Avoid the “national average” rate of 1.73%. That’s what you get if you don’t shop around. Don’t settle.