I regularly move my money between various high-yield savings accounts and CDs for better rates.
Over the years, this has helped me earn thousands of dollars in passive income, since I've been able to find interest rates that often tower over 5%.
See Insider's picks for the best 1-year CD rates »1.
Since I'm usually moving thousands of dollars at a time, I need to make sure that I'm making a smart money move before taking the leap.
Interest rates are constantly changing, which means they sometimes become lower.
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