Amid concerns of a potential recession, individuals should consider Certificates of Deposit (CDs) as a solid option for safeguarding their savings. APYs are likely to decrease during economic downturns, but locking in a fixed rate upon opening a CD provides security and peace of mind. This financial vehicle prevents individuals from being subject to diminishing interest rates during turbulent times. A consistent strategy utilizing CDs can strengthen personal financial health, enabling investors to weather unpredictable markets. Exploring various banks for competitive rates on CDs can enhance overall portfolio stability, offering a lifeline during financial uncertainty.