It seems like it’s been forever since we’ve seen decent yields for savers, but that finally could be changing. With the U.S. economy going full steam ahead, by midyear the Federal Reserve may raise interest rates for the first time since 2006, according to recent remarks by Atlanta Fed President Dennis Lockhart. It can take a while for certificate of deposit rates to catch up once that happens, but financial planners say there are a few things investors in CDs or share certificates, the credit union industry’s counterpart to CDs, can do now to capitalize once those rates rise. “The biggest thing is, it pays to do a little research and ask questions,” says Cary Guffey, a certified financial planner and CFP Board ambassador based in Birmingham, Alabama. CDs and share certificates are considered the safest investment vehicles for savers because they’re insured, respectively, by the Federal Deposit Insurance Corp.