High CD Rates Still Here: Should You Lock In?
Update: 2025-09-08
Description
CD rates are still surprisingly high, with Marcus by Goldman Sachs offering a standout 4.40% APY on a six-month CD. With the Fed cutting interest rates, these high rates may not last, making now a prime time to lock in a certificate of deposit. Shop around online, especially at online banks and credit unions, to find the best deals, but watch out for minimum deposit requirements and early withdrawal penalties. Consider CDs with no-penalty withdrawals for added flexibility.
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