This article contains affiliate links; if you click such a link and make a purchase, we may earn a commission. Savers can earn hundreds and potentially thousands of dollars with a $45,000 CD account opened now. / Credit: Joseph Kelly/Getty Images A goal of saving $45,000 may not be a traditional one, especially when savers tend to focus on large, round numbers such as $40,000 or $50,000 as particular milestones.