Maximize CD Rates: Best Options & Strategies
Update: 2025-12-24
Description
CD rates are dropping, but you can still secure solid returns. Marcus by Goldman Sachs offers four percent APY for one-year CDs, with short-term options ranging from four to four point five percent. These rates surpass average savings accounts and historical lows, despite recent declines. The Federal Reserves rate cuts have lowered CD yields, but savers are still snapping up CDs to safeguard against further drops. Longer-term CDs arent paying more than shorter ones, indicating an inverted yield curve. When choosing a CD, consider your goals and compare rates at online banks and credit unions. Promotional CDs currently offer up to four point seven five percent APY. Despite economic uncertainty, CDs remain a smart, safe investment option.
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