$60,000 CD vs. $60,000 money market account: What will get more profit in 2026?

If you have a decent amount of money in a traditional savings account now, you might want to reevaluate your approach. With an interest rate of 0.39% right now, you’re just not keeping up. inflationbut you are technical losing money by not transferring those funds to another high-profile location. And with a large amount, like $60,000, that loss is too high to sustain.

Fortunately, you no longer have to. Instead of directing these funds to a certificate of deposit (CD) or financial accountyou can get a rate of return that is higher than today’s inflation rate of 2.4% and several times more than the old savings account rate. And, on CD, that rate will be adjustedallowing you to budget with certainty. And, my financial accountyou’ll be able to take advantage of today’s booming climate while maintaining access to your cash when needed (you’ll be able to pay bills and write checks directly from the account, too).

However, before you get started with any of them, it’s helpful to know the earning potential each one represents for the remainder of the year. Between a $60,000 CD and a $60,000 money market account, which will earn more interest in 2026? Below, we’ll break down the numbers.

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$60,000 CD vs. $60,000 money market account: What will get more profit in 2026?

Calculating CD interest is easy to complete since the account has a fixed rate that will stay the same. account maturity date. Losing earnings in a money market account, however, will be more speculative since it has a variable rate that will change over time based on market conditions. Here’s how much interest each account must earn in the remaining months of this year, calculated assuming no fees are charged and the money market account rate remains constant:

• $60,000 3-month CD at 3.90%: $576.63
• $60,000 money market account at 4.00% after three months: $591.20
• Differences between accounts: A money market account will earn $14.57 more.

• $60,000 6-month CD at 4.15%: $1,232.34
• $60,000 money market account at 4.00% after six months: $1,188.23
• Differences between accounts: A CD account will earn $44.11 more.

• $60,000 9-month CD at 4.00%: $1,791.15
• $60,000 money market account at 4.00% after nine months: $1,791.15
• Differences between accounts: Both accounts will earn equal interest.

The interest rate with the two accounts, then, is almost the same – the money market account will get more money after three months, the CD will get more money after six, and both accounts will collect the same amount at the end of the year. That said, the CD interest here is guaranteed, and the money market account, with its variable rate, is not. However, with the odds of any interest rate cut later this year being very low right now, the chances of the money market account rate going down appear slim.

Compare your top savings account options here to learn more.

Important point

The $60,000 interest deposited in the CD and money market account will look pretty much the same this year, assuming current market conditions hold through the last nine months of 2026. That said, the CD interest is guaranteed, and the money market account is not. That doesn’t make CD a good choice, of course, but it does highlight the importance of checking both thoroughly before starting, especially with a five-figure sum on the line. Don’t discount the benefits, either to split these funds between both accounts taking advantage of the benefits that each has to offer while minimizing some of the less beneficial aspects. However, whatever you ultimately decide to do, make sure you keep at least $60,000 in a traditional savings account, especially since these types of high-quality accounts are still readily available.