With the Fed rate cut, have I missed the boat on 5% CDs? I was …

Sep 19, 2024 · CD rates typically track the federal-funds rate; Wednesday's rate cut brings it to a range of 4.75% to 5%. Some regional credit unions are offering rates of 9%. They are special …

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With The Fed Rate Cut, Have I Missed The Boat On 5% CDs? I Was …

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Sep 19, 2024 · CD rates typically track the federal-funds rate; Wednesday's rate cut brings it to a range of 4.75% to 5%. Some regional credit unions are offering rates of 9%. They are special …

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With The Fed Rate Cut, Have I Missed The Boat On 5% CDs?

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The Moneyist With the Fed rate cut, have I missed the boat on 5% CDs? I was too late to invest in the housing market. The U.S. Federal Reserve cut the benchmark rate on Wednesday by 50 …

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5% CDs Are Dying Breed. Here's How Long Cash Savers Have To Lock …

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Sep 23, 2024 · Comparing the Thursday after the Sept. 18 Fed cut to the same point a month earlier, rates decreased for almost 4,200 CDs on CD Valet and increased for just over 500 …

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CD Rates Are Likely To Fall Soon. Here's Why I'm Still Not Opening …

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I'm missing the boat on CDs, personally -- here's why. ... It's a little disappointing to have missed out on the CD craze and the days of 5.00% APYs -- but opening one just for the sake of it isn ...

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The Fed's Massive Rate Cut Has A Huge Silver Lining For Savers

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Unlock a bonus worth $250 and pause interest into 2026 – a perfect combo! Learn more here. You may have noticed that 5% CD rates began disappearing before the Fed's Sept. 18 …

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Did You Miss The Boat On Opening A CD Before Rate Cuts? Here's …

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Sep 24, 2024 · Before the Fed cut interest rates by 0.50% on Sept. 18, savers had a golden opportunity to open a certificate of deposit (CD). If you had opened a long-term CD (like 12 …

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Don't Wait To Guarantee A 5% CD Rate—APYs Could Start

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Aug 28, 2024 · Dozens of CDs are still paying rates above 5%—with a national high of 5.40%. But with a Fed rate cut coming soon, the time is now to lock in a high rate while you can.

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Which CD Account Should You Open Now That The Fed's Cut Rates …

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Dec 18, 2024 · A CD can still be valuable even with the latest Fed rate cut. Here's how. ... has a rate of 4.50% now. 2-year CDs, meanwhile, have rates of 4.25% while 3-year and 5-year CDs …

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5% CDs Are Dying Breed. Here’s How Long Cash Savers Have To

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The rates on 648 CDs declined from Sept. 18 to Sept. 19, after the Fed cut its federal-funds rate, according to CD Valet data. Savers should be ready for rates that may be anywhere from 20 to …

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'It's The Story Of My Life': Have I Missed The Boat On 5% CDs? I Was ...

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Sep 10, 2024 · CD rates typically track the federal-funds rate, which is currently at 5.25% to 5.50%. Some regional credit unions are offering rates of 9%. They are special offers mainly to …

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With A Fed Rate Cut Looming Thursday, Grab This 5.50% CD

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Nov 5, 2024 · But the days of 5% CDs are likely numbered, since the Fed has shifted to rate reductions now that inflation has cooled. The central bank kicked off this new phase with a …

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The Fed Paused Rates. Here's What That Means For CD And …

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Jan 29, 2025 · The Federal Reserve paused rates at its January meeting. Today's best savings accounts and CDs offer up APYs as high as 5%. Rate cuts are expected later this year, so …

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Why A 5-Year CD Is Your Best Bet After The Fed Meeting

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Jan 31, 2025 · Despite the pause this month, the Fed is still expected to resume rate cuts later this year, aiming to hit 2.5% or lower by the end of 2026. By the time your short-term CD …

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The Fed Is Hitting The Pause Button On Rate Cuts, For Now. Here's …

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Jan 28, 2025 · The Fed held its benchmark rate steady on Wednesday at its current range between 4.25% to 4.5%, a move that was forecast by a majority of economists polled by …

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FAQs about With the Fed rate cut, have I missed the boat on 5% CDs? I was … Coupon?

What happened to CD rates after the Fed cut?

“Plus, a lot of rates already moved,” he noted. Comparing the Thursday after the Fed cut to the same point a month earlier, rates decreased for almost 4,200 CDs on CD Valet and increased for just over 500 CDs, the website’s data showed. The site has rates for approximately 31,000 CDs. ...

Should you buy a one-year CD before the Fed cut?

That is, if the rate drops didn’t already start before the Fed’s move. One-year CDs offering at least 5% annual percentage yields “are a dying breed right now. I would get them while you can,” said Tod Gordon, senior advisor at Klaros Group, an advisory firm for banks and fintech companies. See also: The Fed rate cut scared me. ...

Will a 1% decline on CD yields start before fed move?

Brace for declines of 0.50%, maybe 0.75% and possibly 1% on the yields offered for 1-year CDs, banking-industry experts told MarketWatch. That is, if the rate drops didn’t already start before the Fed’s move. One-year CDs offering at least 5% annual percentage yields “are a dying breed right now. ...

Will the Fed cut CD rates if inflation is under control?

What goes up must come down, though, and at some point, the Fed is likely to make rate cuts once inflation is under control. While the Fed rate doesn't directly impact the rates on savings accounts and CDs, the two generally move in the same direction. So the question remains: How long will these high CD rates last? ...

Can you still open high-yield CDs after FED rate cuts?

This was just the first Fed rate cut after a long series of rate increases, and you can still open high-yield CDs with top-rated online banks. If you're looking to lock in today's CD yields before the Fed cuts rates any further, check out our list of the best CD rates today. ...

Will a FED rate cut make CD accounts less attractive?

While a Fed rate cut may seem to make CD accounts less attractive, there's a compelling case to be made for opening one now while the benefits are still significant. Here are three reasons why you should: CD interest rates are still relatively high right now, with today's rate cut already priced in by many lenders. ...