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Building a nice nest egg goes beyond hard work and frugal living. To maximize your retirement, you want your savings to grow. Certificates of deposit, or CDs, are worth exploring, because they offer higher interest rates than savings accounts and are federally insured up to $250,000.The downside to CDs is the investment and accrued interest are inaccessible for a set time without paying a penalty for early termination.uilding a nice nest egg goes beyond hard work and frugal living. To maximize your retirement, you want your savings to grow. Certificates of deposit, or CDs, are worth exploring, because they offer higher interest rates than savings accounts and are federally insured up to $250,000.
How to Make Money with a Savings Account. Some high-yield savings accounts have interest rates that compete with certificates of deposit. Savings accounts used to be lousy ways to make money from your money.But thatâs when they consisted mostly of passbook-type accounts that your grandmother held. And while there are places where you might earn higher returns, savings accounts can now be part of the mix.Thanks mostly to the popularity of online savings accounts and the higher yields and bonuses they offer, itâs possible to make some money with a savings account.ou may find that the accounts with the potential to make you the most money are online. Look specifically for accounts described as high-yield accounts. These are savings accounts with ultra-competitive rates.