当前市场最佳CD利率 - 当前最佳短期CD（6至12个月）的年收益率普遍在4%至4.5%之间 [2] - 截至2025年10月7日，市场上最高的CD年收益率为4.4%，由LendingClub银行提供的8个月期CD产品提供 [2] - 当前收益率曲线形态出现非常规变化，12个月期CD的平均利率最高，表明收益率曲线可能趋于平坦或倒挂 [7][8] CD利率历史走势 - 2000年代初期CD利率相对较高，但受2008年金融危机影响，美联储降息刺激经济，导致2009年一年期CD平均利率降至约1%，五年期CD低于2% [3] - 2010年代，美联储将基准利率维持在接近零的水平，导致CD利率极低，2013年6个月期CD平均利率降至约0.1%，五年期CD平均为0.8% [4] - 2015年至2018年，美联储逐步加息，CD利率略有改善，但2020年新冠疫情导致紧急降息，CD利率再次跌至历史新低 [5] - 为应对失控的通胀，美联储在2022年3月至2023年7月间加息11次，带动CD等储蓄产品利率上升 [6] - 2024年9月，美联储因通胀受控开始降息，2025年已降息一次，CD利率从峰值回落，但按历史标准衡量仍处于高位 [7] 选择CD产品的关键考量因素 - 投资目标需明确资金锁定期限，提前支取将面临罚金，常见期限从数月到数年不等 [9] - 金融机构类型影响利率水平，在线银行因运营成本较低通常提供高于传统实体银行的利率，但需确认其为FDIC或NCUA承保的机构 [9] - 除利率外，需关注账户条款，包括到期日、提前支取罚金以及最低存款要求是否与预算匹配 [9] - 通胀因素需纳入决策，CD提供的固定回报可能无法跑赢通胀，尤其是在较长投资期限内 [9]

Deposit account rates are on the decline. The good news: You can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to 4.5% AP ...

Deposit account rates are on the decline. The good news: You can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to 4.5% AP ...

Deposit account rates are on the decline — but the good news is you can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to ...

At BlackRock Inc., PGIM and other Wall Street firms, bond-fund managers are sticking to trades that will likely pay off even if the Federal Reserve’s path is again knocked off course by surprising turns in the economy. Most Read from Bloomberg The run-up to the Fed’s first interest rate cut in nine months has already supplied solid returns, driving the Treasury market to its biggest annual gains since the pandemic forced the central bank to drive its lending rate to the cusp of zero. But when Jerome P ...

Welcome back to Market on Close. I'm Sam Bis alongside Marley Kaden over in Chicago. Joining us now to discuss this week's action and what lies ahead for the market and the economy.I'm very pleased to say is Paul Chhatz, who is the president and chief investment officer at Heritage Capital LLC. Thanks so much for joining us, Paul. Happy Friday to you.So, it's the Wall Street metaphor. Don't fight the Fed seems to be the mantra here. Is that what you're saying.So those expressions are often trit and not back ...

Key TakeawaysThe Federal Reserve enacted a 25 basis point (bps) interest rate cut today, bringing the federal funds rate to a range of 4.00% to 4.25%, marking its first rate reduction since December 2024.JPMorgan Chase & Co. announced a subsequent cut to its prime lending rate to 7.25%, effective September 18.DoubleLine Capital's Jeffrey Gundlach supported the Fed's 25 bps rate cut but cautioned about the risk of higher inflation if the central bank over-eases.Gundlach anticipates the yield curve will conti ...

网站内容与目的 - 网站提供的内容包括一般新闻和出版物、个人分析与观点以及第三方提供的内容 [1] - 所有内容仅用于教育和研究目的 [1] 信息性质与责任 - 网站上的信息不一定实时提供也不一定准确 [1] - 提供的价格可能来自做市商而非交易所 [1] - 网站可能包含广告和其他促销内容 [1] - 网站可能从第三方获得与内容相关的补偿 [1]

Deposit account rates are on the decline — but the good news is you can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to ...

Brian Gilmartin, is a portfolio manager at Trinity Asset Management, a firm he founded in May, 1995, catering to individual investors and institutions that werent getting the attention and service deserved, from larger firms. Brian started in the business as a fixed-income / credit analyst, with a Chicago broker-dealer, and then worked at Stein Roe & Farnham in Chicago, from 1992 - 1995, before striking out on his own and managing equity and balanced accounts for clients. Brian has a BSBA (Finance) from Xav ...