The fed rate cut means yields on money market accounts and online savings accounts are more than likely going to fall, making it a good time to look to switch money to certificates of deposit, as long as you don't mind the illiquidity. Here are the best 3, 6 and 12-month CD rates right now with reasonable minimum deposit requirements.

3-month: Etrade, 5.10% APY, $1000 min.
6-month: Etrade, 5.25% APY, $1000 min.
12-month: Etrade, 5.15% APY, $100 min.

Yep, it's all Etrade. They really want to attract depositors back after the scare.

(Photo: Getty)