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 ...

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 ...

当前市场状况 - 存款账户利率呈下降趋势 但投资者仍可通过大额存单锁定有竞争力的回报 目前最佳大额存单利率仍高于4% [1] - 当前大额存单利率显著高于传统储蓄账户 最佳短期大额存单利率约为4%至4.5%年化收益率 [2] - 目前市场上最高的年化收益率为4.1% 由高盛的Marcus提供14个月期 沙利美提供15个月期 Synchrony提供9个月期 [2] 历史利率走势 - 2000年代初期利率相对较高 但随后因经济放缓和美联储降息而下降 2009年金融危机后 一年期平均利率约为1% 五年期低于2% [3] - 2010年代利率继续下降 美联储将基准利率维持在接近零的水平 导致银行提供极低的大额存单利率 2013年6个月期平均利率降至约0.1% 五年期平均为0.8% [4] - 2015年至2018年间 随着美联储逐步加息和经济扩张 大额存单利率略有改善 但2020年新冠疫情导致紧急降息 利率再创新低 [5] - 疫情后通胀失控 美联储在2022年3月至2023年7月间加息11次 带动包括大额存单在内的储蓄产品年化收益率上升 [6] - 2024年9月 美联储在确定通胀受控后开始降息 目前已宣布2025年的第二次降息 大额存单利率已从峰值回落 但按历史标准看仍处于高位 [7] 收益率曲线特征 - 传统上 长期大额存单因资金锁定期更长、风险更高而提供比短期更高的利率 [7] - 当前模式发生变化 最高平均利率出现在12个月期限 这表明收益率曲线趋于平坦或倒挂 通常发生在经济不确定或投资者预期未来利率下降时 [8] 产品选择考量因素 - 选择大额存单时 高年化收益率仅是因素之一 还需考虑其他影响总体回报的因素 [9] - 需根据资金使用计划确定期限 大额存单有固定期限 提前支取会产生罚金 常见期限从数月到数年不等 [9] - 金融机构类型影响利率 在线银行、地方银行和信用合作社的利率差异显著 在线银行因运营成本低通常提供更高利率 但需确认其受联邦存款保险公司或国家信用合作社管理局保险 [9] - 需了解账户条款 包括到期日和提前支取罚金 并确认最低存款要求是否符合预算 [9] - 需考虑通胀因素 大额存单提供安全固定回报 但可能无法跑赢通胀 尤其是在较长期限内 [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 ...