A single interest rate hasn't dramatically affected CD accounts. Here's how you can still earn a big return now.

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Savings and CD interest rates won't plunge immediately ... they are also expected to do so over an extended period, so you have time to plan your next financial moves. Matt is a Certified ...

If this were simple interest (not compounded interest), you would have $10,000 + (1% x $10,000) or $10,100 when your CD ... new total. So that's $10,008.33 + (0.0833% x $10,008.33), or $10,016.67 ...