CDs used to be a great choice when interest rates were high, with 12-month yields reaching 5-6%. But rates are falling—three cuts in 2024 alone, and more expected. Locking into a CD now could leave you stuck with a weaker yield when better options show up. Meanwhile, blue chip dividend stocks like AT&T (4.3% yield), Altria (6.6%), and REITs such as Realty Income offer higher yields and more flexibility. Plus, you avoid early withdrawal penalties and inflation risk. With rates set to drop further, CDs aren’t looking as attractive compared to these alternatives.