When interest rates drop, rates on high-yield savings accounts fall, too. Learn why now's the perfect time to lock your money in a CD.

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

Certificate of deposit (CD) account rates may have peaked last year, but today's rates are still higher than historical averages. The question is where they'll go next. With rising inflation, an ...