$20,000 long-term CD vs. $20,000 short-term CD: Which earns more now?

It takes time, money and a lot of effort to save money. And it's taken more of each of those three in recent years, thanks to a combination of elevated rates under 0.40% right now). , costly and . But if you've been able to save a substantial amount of money, and especially if you've been able to…