August has been a solid month for stocks, but investors hoping to stash some cash in the fall can still be paid well for using certificates of deposit. Savers are keeping an eye on the Federal Reserve as its Sept. 15-16 meeting approaches. Fed funds futures trading suggests a roughly 65% likelihood the central bank will raise its benchmark lending a quarter percentage point, to a range of 3.75% to 4%. Speaking in Jackson Hole, Wyoming late last week, Fed Chairman Kevin Warsh highlighted his worries about stubborn inflation . He noted that “while this summer’s [inflation] readings were better than expected, they do not tell me that underlying trends have meaningfully improved.” Indeed, the July reading of the personal consumption expenditures price index rose at an annual rate of 3.7%, topping the Dow Jones consensus by 0.1 percentage point, and far above the central bank’s 2% inflation target. While higher rates are unwelcome for borrowers, they’re a great development for savers who can capture higher yields on products such as certificates of deposit. Several banks, for example, continue to aggressively price their CDs and offer attractive yields as they compete for deposits. Latest increase Just last week, Sallie Mae lifted the annual percentage yield on its one-year CD by five basis points to 4.2%. The increase lifts Sallie Mae’s one-year CD rate some 25 basis points above the peer median APY of 3.95%, according to Vincent Caintic, analyst at BTIG. One basis point equals 1/100th of a percent, or 0.01%. Other financial services firms also continue to offer compelling rates on their one-year CDs. Popular Direct pays an APY of 4.25% on its 12-month CD, as of Monday afternoon, while CIBC touts a 4.15% yield. Savers can also find attractive rates if they’re willing to look outside the 12-month term. Synchrony Financial offers a 4.3% APY for a 16-month CD, while Marcus by Goldman Sachs has a similar rate on its 18-month instrument. Happen Bank has an 11-month CD with a 4.2% APY. If you’re thinking of getting into a CD, be sure to weigh your time horizon and liquidity needs. “Breaking” a CD before maturity carries a penalty of forfeited interest. Savers should also be aware of when their CD is about to expire, as their banks may automatically put them into a renewal CD at a lower rate.

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On this service, we and our vendors use cookies and other tools (“Cookies”) to store and access information on your device, such as device identifiers, IP address, and your browser type. Your data may be used to save and communicate your privacy choices; ensure security, prevent fraud, and debug our products and services; personalize advertising and content; for advertising and content measurement; to conduct audience research and services development; so we can improve our services and develop new ones; to match and combine offline data with your online activity; and for social features. We may share this data with select vendors with your consent. You can adjust your choices any time through the “Cookie Preferences” link in the footer of relevant Versant sites or in-app settings.

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– Use profiles to select personalised content 231 partners can use this purposeContent presented to you on this service can be based on your content personalisation profiles, which can reflect your activity on this or other services (for instance, the forms you submit, content you look at), possible interests and personal aspects. This can for example be used to adapt the order in which content is shown to you, so that it is even easier for you to find (non-advertising) content that matches your interests.

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– Measure content performance 404 partners can use this purposeInformation regarding which content is presented to you and how you interact with it can be used to determine whether the (non-advertising) content e.g. reached its intended audience and matched your interests. For instance, whether you read an article, watch a video, listen to a podcast or look at a product description, how long you spent on this service and the web pages you visit etc. This is very helpful to understand the relevance of (non-advertising) content that is shown to you.

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These Cookies and SDKs are used to collect data about your browsing habits, use of the Services, your preferences, and your interaction with advertisements across platforms and devices for the purpose of delivering targeted advertising content, both on our Services and on third party sites. Third-party sites and services also use Targeting Cookies to deliver content, including advertisements relevant to your interests on the Services. If you reject these Cookies or SDKs, you will see less relevant advertising.

Data collected under this category through Cookies and SDKs can also be used to select and deliver personalized content, such as news articles and videos.

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On this service, we and our vendors use cookies and other tools (“Cookies”) to store and access information on your device, such as device identifiers, IP address, and your browser type. Your data may be used to save and communicate your privacy choices; ensure security, prevent fraud, and debug our products and services; personalize advertising and content; for advertising and content measurement; to conduct audience research and services development; so we can improve our services and develop new ones; to match and combine offline data with your online activity; and for social features. We may share this data with select vendors with your consent. You can adjust your choices any time through the “Cookie Preferences” link in the footer of relevant Versant sites or in-app settings.

We will also use other Cookies that are essential or related to our services, including for security and fraud prevention. To learn more about some of our vendors, see the IAB and Google Vendors under each purpose. Visit our Cookie Notice and Privacy Policy to learn more.

These Cookies and SDKs are required for Service functionality, including security and fraud prevention, and to enable any purchasing capabilities. You can set your browser to block these tracking technologies, but some parts of the site may not function properly.

The choices you make regarding the purposes and entities listed in this notice are saved and made available to those entities in the form of digital signals (such as a string of characters). This is necessary in order to enable both this service and those entities to respect such choices.

Your data can be used to monitor for and prevent unusual and possibly fraudulent activity (for example, regarding advertising, ad clicks by bots), and ensure systems and processes work properly and securely. It can also be used to correct any problems you, the publisher or the advertiser may encounter in the delivery of content and ads and in your interaction with them.

Certain information (like an IP address or device capabilities) is used to ensure the technical compatibility of the content or advertising, and to facilitate the transmission of the content or ad to your device.

Cookies, device or similar online identifiers (e.g. login-based identifiers, randomly assigned identifiers, network based identifiers) together with other information (e.g. browser type and information, language, screen size, supported technologies etc.) can be stored or read on your device to recognise it each time it connects to an app or to a website, for one or several of the purposes presented here.

– Use limited data to select advertising 781 partners can use this purpose Advertising presented to you on this service can be based on limited data, such as the website or app you are using, your non-precise location, your device type or which content you are (or have been) interacting with (for example, to limit the number of times an ad is presented to you).

– Create profiles for personalised advertising 629 partners can use this purpose Information about your activity on this service (such as forms you submit, content you look at) can be stored and combined with other information about you (for example, information from your previous activity on this service and other websites or apps) or similar users. This is then used to build or improve a profile about you (that might include possible interests and personal aspects). Your profile can be used (also later) to present advertising that appears more relevant based on your possible interests by this and other entities.

– Use profiles to select personalised advertising 633 partners can use this purpose Advertising presented to you on this service can be based on your advertising profiles, which can reflect your activity on this service or other websites or apps (like the forms you submit, content you look at), possible interests and personal aspects.

– Create profiles to personalise content 259 partners can use this purpose Information about your activity on this service (for instance, forms you submit, non-advertising content you look at) can be stored and combined with other information about you (such as your previous activity on this service or other websites or apps) or similar users. This is then used to build or improve a profile about you (which might for example include possible interests and personal aspects). Your profile can be used (also later) to present content that appears more relevant based on your possible interests, such as by adapting the order in which content is shown to you, so that it is even easier for you to find content that matches your interests.

– Use profiles to select personalised content 231 partners can use this purpose Content presented to you on this service can be based on your content personalisation profiles, which can reflect your activity on this or other services (for instance, the forms you submit, content you look at), possible interests and personal aspects. This can for example be used to adapt the order in which content is shown to you, so that it is even easier for you to find (non-advertising) content that matches your interests.

– Measure advertising performance 905 partners can use this purpose Information regarding which advertising is presented to you and how you interact with it can be used to determine how well an advert has worked for you or other users and whether the goals of the advertising were reached. For instance, whether you saw an ad, whether you clicked on it, whether it led you to buy a product or visit a website, etc. This is very helpful to understand the relevance of advertising campaigns.

– Measure content performance 404 partners can use this purpose Information regarding which content is presented to you and how you interact with it can be used to determine whether the (non-advertising) content e.g. reached its intended audience and matched your interests. For instance, whether you read an article, watch a video, listen to a podcast or look at a product description, how long you spent on this service and the web pages you visit etc. This is very helpful to understand the relevance of (non-advertising) content that is shown to you.

– Understand audiences through statistics or combinations of data from different sources 572 partners can use this purpose Reports can be generated based on the combination of data sets (like user profiles, statistics, market research, analytics data) regarding your interactions and those of other users with advertising or (non-advertising) content to identify common characteristics (for instance, to determine which target audiences are more receptive to an ad campaign or to certain contents).

– Develop and improve services 678 partners can use this purpose Information about your activity on this service, such as your interaction with ads or content, can be very helpful to improve products and services and to build new products and services based on user interactions, the type of audience, etc. This specific purpose does not include the development or improvement of user profiles and identifiers.

– Use limited data to select content 180 partners can use this purpose Content presented to you on this service can be based on limited data, such as the website or app you are using, your non-precise location, your device type, or which content you are (or have been) interacting with (for example, to limit the number of times a video or an article is presented to you).

These Cookies and SDKs are used to collect data about your browsing habits, use of the Services, your preferences, and your interaction with advertisements across platforms and devices for the purpose of delivering targeted advertising content, both on our Services and on third party sites. Third-party sites and services also use Targeting Cookies to deliver content, including advertisements relevant to your interests on the Services. If you reject these Cookies or SDKs, you will see less relevant advertising.

Data collected under this category through Cookies and SDKs can also be used to select and deliver personalized content, such as news articles and videos.

Your Privacy

On this service, we and our vendors use cookies and other tools (“Cookies”) to store and access information on your device, such as device identifiers, IP address, and your browser type. Your data may be used to save and communicate your privacy choices; ensure security, prevent fraud, and debug our products and services; personalize advertising and content; for advertising and content measurement; to conduct audience research and services development; so we can improve our services and develop new ones; to match and combine offline data with your online activity; and for social features. We may share this data with select vendors with your consent. You can adjust your choices any time through the “Cookie Preferences” link in the footer of relevant Versant sites or in-app settings.

We will also use other Cookies that are essential or related to our services, including for security and fraud prevention. To learn more about some of our vendors, see the IAB and Google Vendors under each purpose. Visit our Cookie Notice and Privacy Policy to learn more.

These Cookies and SDKs are required for Service functionality, including security and fraud prevention, and to enable any purchasing capabilities. You can set your browser to block these tracking technologies, but some parts of the site may not function properly.

The choices you make regarding the purposes and entities listed in this notice are saved and made available to those entities in the form of digital signals (such as a string of characters). This is necessary in order to enable both this service and those entities to respect such choices.

Your data can be used to monitor for and prevent unusual and possibly fraudulent activity (for example, regarding advertising, ad clicks by bots), and ensure systems and processes work properly and securely. It can also be used to correct any problems you, the publisher or the advertiser may encounter in the delivery of content and ads and in your interaction with them.

Certain information (like an IP address or device capabilities) is used to ensure the technical compatibility of the content or advertising, and to facilitate the transmission of the content or ad to your device.

Cookies, device or similar online identifiers (e.g. login-based identifiers, randomly assigned identifiers, network based identifiers) together with other information (e.g. browser type and information, language, screen size, supported technologies etc.) can be stored or read on your device to recognise it each time it connects to an app or to a website, for one or several of the purposes presented here.

– Use limited data to select advertising 781 partners can use this purpose Advertising presented to you on this service can be based on limited data, such as the website or app you are using, your non-precise location, your device type or which content you are (or have been) interacting with (for example, to limit the number of times an ad is presented to you).

– Create profiles for personalised advertising 629 partners can use this purpose Information about your activity on this service (such as forms you submit, content you look at) can be stored and combined with other information about you (for example, information from your previous activity on this service and other websites or apps) or similar users. This is then used to build or improve a profile about you (that might include possible interests and personal aspects). Your profile can be used (also later) to present advertising that appears more relevant based on your possible interests by this and other entities.

– Use profiles to select personalised advertising 633 partners can use this purpose Advertising presented to you on this service can be based on your advertising profiles, which can reflect your activity on this service or other websites or apps (like the forms you submit, content you look at), possible interests and personal aspects.

– Create profiles to personalise content 259 partners can use this purpose Information about your activity on this service (for instance, forms you submit, non-advertising content you look at) can be stored and combined with other information about you (such as your previous activity on this service and other websites or apps) or similar users. This is then used to build or improve a profile about you (which might for example include possible interests and personal aspects). Your profile can be used (also later) to present content that appears more relevant based on your possible interests, such as by adapting the order in which content is shown to you, so that it is even easier for you to find content that matches your interests.

– Use profiles to select personalised content 231 partners can use this purpose Content presented to you on this service can be based on your content personalisation profiles, which can reflect your activity on this or other services (for instance, the forms you submit, content you look at), possible interests and personal aspects. This can for example be used to adapt the order in which content is shown to you, so that it is even easier for you to find (non-advertising) content that matches your interests.

– Measure advertising performance 905 partners can use this purpose Information regarding which advertising is presented to you and how you interact with it can be used to determine how well an advert has worked for you or other users and whether the goals of the advertising were reached. For instance, whether you saw an ad, whether you clicked on it, whether it led you to buy a product or visit a website, etc. This is very helpful to understand the relevance of advertising campaigns.

– Measure content performance 404 partners can use this purpose Information regarding which content is presented to you and how you interact with it can be used to determine whether the (non-advertising) content e.g. reached its intended audience and matched your interests. For instance, whether you read an article, watch a video, listen to a podcast or look at a product description, how long you spent on this service and the web pages you visit etc. This is very helpful to understand the relevance of (non-advertising) content that is shown to you.

– Understand audiences through statistics or combinations of data from different sources 572 partners can use this purpose Reports can be generated based on the combination of data sets (like user profiles, statistics, market research, analytics data) regarding your interactions and those of other users with advertising or (non-advertising) content to identify common characteristics (for instance, to determine which target audiences are more receptive to an ad campaign or to certain contents).

– Develop and improve services 678 partners can use this purpose Information about your activity on this service, such as your interaction with ads or content, can be very helpful to improve products and services and to build new products and services based on user interactions, the type of audience, etc. This specific purpose does not include the development or improvement of user profiles and identifiers.

– Use limited data to select content 180 partners can use this purpose Content presented to you on this service can be based on limited data, such as the website or app you are using, your non-precise location, your device type, or which content you are (or have been) interacting with (for example, to limit the number of times a video or an article is presented to you).

These Cookies and SDKs are used to collect data about your browsing habits, use of the Services, your preferences, and your interaction with advertisements across platforms and devices for the purpose of delivering targeted advertising content, both on our Services and on third party sites. Third-party sites and services also use Targeting Cookies to deliver content, including advertisements relevant to your interests on the Services. If you reject these Cookies or SDKs, you will see less relevant advertising.

Data collected under this category through Cookies and SDKs can also be used to select and deliver personalized content, such as news articles and videos.