The bottom line On paper, a $20,000 money market account can earn more than a $20,000 3-month CD will, if both are opened right now. But that interest isn't guaranteed the same way a CD account's ...

The bottom line A $20,000 money market account will earn more than a $20,000 long-term CD on the assumption that the former account's interest rates remain the same for years to come, which is ...