Two such accounts that have offered viable ways to earn more interest include high-yield savings and certificate of deposit (CD) accounts. Between a CD and a high-yield savings account, however, which will earn more interest over the next year with a deposit of this size? $75,000 CD vs. $75,000 high-yield savings account: Which will earn more interest over the next year? Here's which will earn more, calculated against the top rates available for each and the assumption that the high-yield savings account rate will hold through August 2027:$75,000 1-year CD at 4.40%: $3,300.00$3,300.00 $75,000 high-yield savings account at 4.10% after one year: $3,075.00$3,075.00 More profitable account: The 1-year CD will earn $225 more. While, technically, the 1-year CD will earn more interest than the high-yield savings account over the following year, it's not guaranteed.