Short-term CDs (certificates of deposit) are it right now. Why? Because banks are keeping rates low on their long-term products in anticipation of more rate cuts. As a result, they're throwing better offers on short-term CDs to keep us interested. Our partners are currently offering rates of 3.50-4.65 percent with CD terms as quick as six months. So, if you've got some extra cash burning a hole in your pocket, check out Digg's list of Best CDs of 2024 and watch your savings grow.