How much interest can a $100,000 5-year CD earn now?

Savers with $100,000 might consider a 5-year Certificate of Deposit (CD) as a secure option for their funds, especially if they prefer not to invest in the stock market, which has seen returns between 10% and 16% over the past decade. CDs offer a fixed interest rate, providing a guaranteed return, unlike the fluctuating stock market. While the top CD rates are around 4%, lower than stock returns, they offer stability and predictability. For those willing to lock their money away for five years, a CD can be a worthwhile choice. The interest earned on a $100,000 5-year CD varies by rate: at 4.35%, it yields $23,726.37; at 4.40%, $24,023.07; and at 4.45%, $24,320.35 upon maturity. It’s crucial to shop around for the best rates to maximize earnings, as withdrawing early incurs penalties. QUESTION: How might the decision to invest in a CD versus the stock market impact your financial security in the future?