Heads up, savers! CD rates are climbing, with some online banks offering nearly 5%—way better than your regular savings account. If you want to lock in these sweet rates but don’t want your cash tied up forever, try a CD ladder: split your money into different CDs with staggered end dates. Just remember, if you break into your CD early, you’ll pay a penalty—so only stash what you won’t need in a pinch. #Business #MakeMoney #MoneyHacks