当前最佳CD利率水平 - LendingClub提供的8个月期CD利率达4.45%年化收益率 为市场最高水平[2] - 在线银行与信用合作社提供的利率普遍高于传统实体银行[3] 全国平均CD利率状况 - 1年期CD全国平均利率为1.76%[3] - 当前平均CD利率处于近二十年高位 主要因美联储为应对通胀维持高利率政策[3] 利率环境变化趋势 - 2024年美联储三次下调目标利率 对存款账户利率产生连锁影响[1] - 当前可能是锁定高CD利率的最后机会[1] 优选CD产品策略 - 需选择符合财务目标的高年化收益率产品及期限[4] - 在线银行因运营成本较低 通常能提供更具竞争力的利率[4] - 高利率产品可能伴随较高最低存款要求 需确认资金符合要求[4] - 应重点关注提前取款罚则和自动续期政策 部分无罚金CD产品提供更高灵活性[4]

Find out how much you could earn by locking in a high CD rate today. The Federal Reserve cut its federal funds rate three times in 2024, so now could be your last chance to lock in a competitive CD rate before rates fall further. CD rates vary widely across financial institutions, so it’s important to ensure you’re getting the best rate possible when shopping around for a CD. The following is a breakdown of CD rates today and where to find the best offers. Overview of CD rates today Generally, the best ...

See which banks are currently paying the highest CD rates. If you’re looking for a secure place to store your savings, a certificate of deposit (CD) may be a great choice. These accounts often provide higher interest rates than traditional checking and savings accounts. However, CD rates can vary widely. Learn more about CD rates today and where to find high-yield CDs with the best rates available. Banks with the best CD rates right now Today’s CD rates vary quite a bit. In general, however, CD rates are ...