CD rates are dropping, but you can still lock in a sweet 4.5% if you know where to look. Here’s the trick: skip the brick-and-mortar banks and check out online banks—they’re offering better deals since they don’t have to pay for fancy buildings. Use comparison sites to find the best offers, and don’t sleep on short-term CDs, which are paying more than long-term ones right now. Act fast before rates dip again! #Business #MakeMoney #MoneyHacks