Certificates of deposit produced higher returns than high-yield savings and money market accounts on an $80,000 deposit across six-, nine- and 12-month terms after the Federal Reserve left interest rates unchanged at its meeting in late April. Savers placing $80,000 in a CD can earn between $1,624 and $3,280 in interest, depending on the term length.

An $80,000 deposit into a six-month CD at 4.10% yields $1,623.53 in interest. The same deposit placed in a high-yield savings account at 4.03% over six months yields $1,596.08, while a money market account at 3.90% yields $1,545.08 over the same period. The CD is the most profitable of the three account types for a six-month term.

At nine months, an $80,000 deposit in a CD at 4.05% yields $2,417.90 in interest. A high-yield savings account at 4.03% returns $2,406.02 over nine months, and a money market account at 3.90% returns $2,328.77. The CD is the most profitable option at that term length as well.

An $80,000 deposit in a one-year CD at 4.10% yields $3,280.00 in interest. The same deposit in a high-yield savings account at 4.03% yields $3,224.00 over one year, while a money market account at 3.90% yields $3,120.00. The CD is the most profitable of the three account types for a one-year term.

The CD rate is fixed for the account's maturity term and does not change if market rates change during that period. Rates on high-yield savings and money market accounts are variable and will adapt to market conditions over time. If interest rates rise during a six-, nine- or twelve-month period, the CD rate will not increase, while rates on high-yield savings and money market accounts likely will.

Many savers have been earning interest rates of 4% or higher on their money. Certificate of deposit, high-yield savings and money market accounts are viable tools for savers with five-figure deposits. Stock market investments of $80,000 carry the potential for large losses, whereas the three deposit account types do not carry that risk. The difference in interest earned between the CD, high-yield savings account and money market account is small across the terms compared.