I'm loving the idea of growing my savings! The numbers are pretty clear: after 9 months, that $20k in a CD is only earning like $597, but in a money market account it's like $611... now that's some juicy interest 
. But for me, I'd rather have that guarantee and lock it up until the maturity date, no need to risk losing out on potential gains mid-year. And with inflation at 2.7%, these rates above that are a total game-changer! 
I mean, it's all about timing and what you're comfortable with, right? If you want that guaranteed return, CD's the way to go. But if you can keep an eye on those rates and roll with the punches, money market account's got some sweet returns too! 