美联储利率决议 - 美联储在9月将基准利率下调25个基点，目标区间降至4%-4.25% [1] - 此次降息是2025年维持利率不变后的首次降息 [1][18] 利率变化对借贷市场的影响 - 利率下降将降低信用卡、贷款等产品的利率，对借款人有利 [1][4] - 高利率环境使新贷款更加昂贵，可能导致月供更高、总利息支出增加 [7] - 低利率使新贷款更易负担，月供压力减小，总利息成本降低 [17] - 现有固定利率贷款的月供不受市场利率上升的影响 [8] 利率变化对储蓄市场的影响 - 利率下降意味着储蓄账户、货币市场账户和存款证的利息收益减少 [17] - 高利率环境下，高收益储蓄账户的利率可达全国平均水平的10倍或更高 [8] - 尽管美联储开始降息，但高收益储蓄账户目前仍是获取较高储蓄回报的最佳选择之一 [18] 不同利率环境下的策略 - 低利率适合申请大额贷款（如抵押贷款）或为现有高息贷款进行再融资 [13][17] - 高利率有利于通过储蓄等低风险方式增长财富 [14] - 可通过开设高收益储蓄账户或使用存款证来锁定当前较高利率 [18][19] - 在经济不确定时期，尽量减少债务至关重要 [20] 抵押贷款的特殊性 - 抵押贷款利率不直接受联邦基金利率影响，而是以10年期国债收益率为基准 [21] - 美联储降息不必然导致抵押贷款利率下降 [21]

Certificates of deposit (CDs) can be a great choice for savers since they often pay higher interest rates than traditional savings accounts. In recent years, financial institutions have offered remarkably high yields on CDs amid elevated interest rates, with some even paying over 5%. However, interest rates have started to fall, with a possibility of more rate cuts in the near future. As a result, it’s not as easy to get a 5% CD as it once was. While 5% CDs are tougher to find today, a handful still exist. ...

The Federal Reserve, also known as “the Fed,” is the central bank of the U.S. and plays a significant role in shaping the nation’s monetary policy. One of its key functions is setting interest rates. Those rates determine how much Americans earn on their savings and how much they pay to borrow — including when buying a home. The Fed indirectly impacts mortgage rates by setting what’s called the federal funds rate, and that rate impacts a wide variety of financial products, including home loans. What does ...

美联储的职能与作用 - 美联储是美国的中央银行，在制定国家货币政策方面扮演重要角色 [1] - 美联储的关键职能之一是设定利率，该利率决定了美国人的储蓄收益和借贷成本，包括购房时的抵押贷款利率 [1] - 美联储通过设定联邦基金利率间接影响抵押贷款利率，该利率会影响多种金融产品 [1] - 将美国经济比作农场，美联储是负责调控水（代表货币和信贷）的农民，目标是保持适当的水流以使作物（经济）生长繁荣 [3][4] 联邦基金利率的调控机制 - 美联储通过设定联邦基金利率这一基准利率来控制货币和信贷的流动 [4] - 当经济疲软、人们不消费时，美联储通过降低联邦基金利率来增加货币供应以刺激支出 [5] - 当经济过热、人们过度消费时，美联储通过提高联邦基金利率来抑制通胀，鼓励储蓄 [5] - 联邦基金利率自2023年7月处于23年高位后，于2024年9月、11月和12月的会议上下调，并在2025年前五次会议维持不变后，于9月会议再次下调25个基点 [6] 美联储利率与抵押贷款利率的关系 - 美联储不直接设定抵押贷款利率，但联邦基金利率会影响10年期国债收益率，而该收益率直接影响到消费者的借款成本 [6][7] - 10年期国债收益率是借款人应支付的最低基准，贷款机构会在此基础上增加利差以补偿承担的信用风险 [7] - 历史数据显示关联性：2020年5月联邦基金利率为0.05%，10年期国债收益率约0.64%，30年期固定抵押贷款利率为3.28%；2024年8月初10年期国债收益率为3.99%，抵押贷款利率为6.73%；2025年9月中旬联邦基金有效利率为4.33%，10年期国债为4.06%，抵押贷款利率为6.35% [8][9] - 当联邦基金利率上升时，10年期国债收益率和抵押贷款利率通常也随之上升，反之亦然 [10] - 抵押贷款利率通常会在预期的美联储降息之前下降，但当前经济环境（如投资者对政策的评估）使这种关系变得不确定 [11][12] 对借款人的建议 - 建议借款人将精力集中在可控因素上，如比较不同贷款机构的利率和结算成本，以找到最适合其信用评分和市场情况的产品 [14] - 可考虑浮动利率抵押贷款，这类产品可能帮助首次购房者和再融资者利用预期中的利率下降趋势 [15][16] - 对于重视一致性和可预测性的借款人，在利率下行趋势中固定利率贷款可能是更好的选择；是否需要立即锁定利率或等待更长时间取决于个人需求和财务状况 [17][18] 常见问题解答 - 美联储通过设定联邦基金利率来影响10年期国债收益率，后者是美国大多数抵押贷款利率的基准指数 [18] - 如果利率下降，浮动利率抵押贷款的还款额可能会减少，但固定利率抵押贷款除非进行再融资，否则利率在贷款期内保持不变 [19] - 美联储对美国住房利率拥有最大控制权，因为联邦基金利率的升降会带动抵押贷款利率的变动 [20]

You may not think much about the federal funds rate on a daily basis, but this key number impacts many areas of your financial life and the economy as a whole. The Federal Reserve — the country’s central bank — periodically adjusts its target rate to keep the economy running smoothly and consumer prices in check. When the federal funds rate moves up or down, so do the interest rates on bank accounts and loans. In other words, changes in the Fed’s rate impact how much your savings can grow and how much you ...

Knowing how the Federal Reserve’s monetary policy decisions impact your interest earnings over time is key to making an informed decision about where to put your money. And with a rate cut on the horizon, the best option may be a certificate of deposit (CD). CDs can be a smart way to guarantee steady returns, especially if interest rates are expected to fall in the near future. Here's why you may want to consider opening a CD before the Fed's next meeting. How the federal funds rate impacts CD rates The ...

The FOMC finally lowered the federal funds rate on Sept. 17. It was the first rate cut of 2025, and Wall Street traders currently expect two more rate cuts from the Fed before the end of the year. The federal funds rate. The Fed. The FOMC. No doubt you've heard and read these terms before. But what do they mean? How does this impact your financial life? Here's what you need to know about the federal funds rate — and why it matters. We'll keep it really simple. In this article: What is the federal funds ...