There currently isn’t a CD that’s keeping up with inflation. Beating inflation, or at least keeping up with it, is important, since otherwise you’re losing purchasing power. This means as time passes, your money won’t be able to buy as much as it does today. But the safety of a CD at an FDIC-insured bank may be more important than keeping up with inflation for some of your savings. Just make sure your balances are within FDIC limits and guidelines.