Certificates of deposit (CDs) never truly left, but they have experienced a massive resurgence in popularity among retail savers seeking reliable, risk-free fixed income. Following years of high inflationary pressures and attractive multi-year yield peaks, millions of consumers utilize CDs to protect cash reserves away from volatile equity markets. Even as overall interest rates face gradual downward pressures, competitive online financial institutions continue promoting specialized CD structures to attract consumer deposits, maintaining their status as a staple fixed-income savings vehicle.