Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

With the Federal Reserve once again holding rates steady following its March meeting, savers have a continued opportunity to benefit from high interest rates on certificates of deposit (CD) accounts.

Each month it seems to get worse... The piles of new CD’s on my shelf grow bigger and bigger and, each month it becomes more and more impossible to make a dent in the pile for even cursory listening ...