Giới thiệu Cơ hội kiếm tiền hấp dẫn với lãi suất CD cao – Đừng bỏ lỡ! – Phụ Kiện Đỉnh
Đừng bỏ lỡ cơ hội kiếm tiền hấp dẫn với lãi suất CD cao từ Phụ Kiện Đỉnh! Hãy đầu tư thông minh và nhận được lợi ích lớn từ sản phẩm của chúng tôi.
MUA NGAY: https://dienmay.pro.vn/co-hoi-kiem-tien-hap-dan-voi-lai-suat-cd-cao-dung-bo-lo
Các Tỉ lệ Lãi suất tiết kiệm tốt nhất ngày hôm nay – Muốn tối đa hóa thu nhập của bạn? Đạt được một trong những Tỉ lệ Lãi suất hàng đầu này trong khi bạn vẫn còn có thể.
Các sản phẩm tại Queen Mobile sẽ mang lại trải nghiệm tuyệt vời cho bạn! Đừng bỏ lỡ cơ hội đánh giá sản phẩm và mua ngay tại đây để nhận được những ưu đãi hấp dẫn. #QueenMobile #SảnPhẩmTốt #MuaNgay
Mua ngay sản phẩm tại Việt Nam:
QUEEN MOBILE chuyên cung cấp điện thoại Iphone, máy tính bảng Ipad, đồng hồ Smartwatch và các phụ kiện APPLE và các giải pháp điện tử và nhà thông minh. Queen Mobile rất hân hạnh được phục vụ quý khách….
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Mua #Điện_thoại #iphone #ipad #macbook #samsung #xiaomi #poco #oppo #snapdragon giá tốt, hãy ghé (𝑸𝑼𝑬𝑬𝑵 𝑴𝑶𝑩𝑰𝑳𝑬)
✿ 149 Hòa Bình, phường Hiệp Tân, quận Tân Phú, TP HCM
✿ 402B, Hai Bà Trưng, P Tân Định, Q 1, HCM
✿ 287 đường 3/2 P 10, Q 10, HCM
Hotline (miễn phí) 19003190
Thu cũ đổi mới
Rẻ hơn hoàn tiền
Góp 0%
Thời gian làm việc: 9h – 21h.
Ở ngày hôm nay, cơ hội đầu tư vào CD với lãi suất cao không nhiều nhưng vẫn còn. Để tối đa hóa thu nhập của bạn, hãy chọn một trong những lãi suất APY cao này ngay bây giờ. Đừng bỏ lỡ cơ hội này!
May Lim/500px/Getty Images
Key takeaways
- Today’s best CDs boast APYs up to 5.30%.
- Banks are increasingly slashing APYs across CD terms in anticipation of Fed rate cuts.
- Opening a CD today will protect your returns from rate cuts and maximize your earning potential.
Certificate of deposit rates have been wavering for months, but they’re falling faster as recession fears grow. You can still score an annual percentage yield, or APY, up to 5.30% with today’s best CDs, but time is of the essence.
Your rate is fixed when you open a CD, which means your returns stay the same regardless of future rate drops. And with rate cuts looming, the sooner you lock in a high APY, the greater your earning potential could be. Here’s where you can snag one of the best CD rates available right now.
Today’s best CD rates
Here are some of the top rates available on today’s best CDs and how much you could earn by depositing $5,000 right now:
| Term | Highest APY | Bank | Estimated earnings |
| 6 months | 5.30% | CommunityWide Federal Credit Union | $130.79 |
| 1 year | 5.15% | Bread Savings, CommunityWide Federal Credit Union, First Internet Bank of Indiana, Limelight Bank | $257.50 |
| 3 years | 4.55% | NexBank | $714.02 |
| 5 years | 4.35% | First Internet Bank of Indiana | $1,186.32 |
Experts recommend comparing rates before opening a CD account to get the best APY possible. Enter your information below to get CNET’s partners’ best rate for your area.
Why banks are slashing APYs
The Fed regularly adjusts the federal funds rate to stabilize the economy. This rate determines how much it costs banks to borrow and lend money to each other, so banks tend to follow the Fed’s lead.
When the Fed started raising rates in March 2022 to fight rampant inflation, APYs on CDs skyrocketed. As inflation began showing signs of cooling, the Fed held rates steady eight times starting in September 2023, and APYs largely held steady, too. In recent months, APYs have wavered as banks anticipated a rate cut, which Fed Chair Jerome Powell said “could be on the table at the September meeting.” But following a dismal July labor report, some economists are calling for the Fed to make an emergency interest rate cut sooner, and we’re starting to see APY cuts accelerate
Here’s where CD rates stand compared to last week:
| Term | CNET average APY | Weekly change* | Average FDIC rate | |
| 6 months | 4.58% | No change | 1.81% | |
| 1 year | 4.72% | -3.48% | 1.85% | |
| 3 years | 3.99% | -2.20% | 1.44% | |
| 5 years | 3.86% | -2.03% | 1.43% |
*Weekly percentage increase/decrease from Aug. 5, 2024, to Aug. 12, 2024.
The sooner you lock in a high APY, the greater your earning potential could be — especially if you’re looking for a short-term CD.
“Rate cuts in September will affect the shortest-term CD rates right away,” said Noah Damsky, CFA, Principal of Marina Wealth Advisors. “So if you have a need to lock cash up for three to 12 months, that’s where you want to act as quickly as possible.”
In general, short-term CD rates are higher than long-term ones right now. That said, rates are dropping across terms, so any rate you get today is likely to be the best rate you’ll find for that term for a while.
“Currently, CD rates are holding up fairly well, though shorter maturities offer slightly higher yields,” said Faron Daugs, CFP, founder and CEO at Harrison Wallace Financial Group. “This aligns with the expectation that rates will decline over the next year and a half. The key is to match the maturity of your CDs with your potential need for funds. If stability is your priority, it might be wise to lock in a slightly lower rate for a longer period.”
How to find the best CD for you
A competitive APY is important, but there are other things you should consider when comparing CDs to get the best product for your needs:
- When you’ll need your money: Early withdrawal penalties can eat into your interest earnings. So, be sure to choose a term that fits your savings timeline. Alternatively, you can select a no-penalty CD, although the APY may not be as high as you’d get with a traditional CD of the same term.
- Minimum deposit requirement: Some CDs require a minimum amount to open an account — typically, $500 to $1,000. Others do not. How much money you have to set aside can help you narrow down your options.
- Fees: Maintenance and other fees can eat into your earnings. Many online banks don’t charge fees because they have lower overhead costs than banks with physical branches. Still, read the fine print for any account you’re evaluating.
- Federal deposit insurance: Make sure any bank or credit union you’re considering is an FDIC or NCUA member so your money is protected if the bank fails.
- Customer ratings and reviews: Visit sites like Trustpilot to see what customers are saying about the bank. You want a bank that’s responsive, professional and easy to work with.
Methodology
CNET reviews CD rates based on the latest APY information from issuer websites. We evaluated CD rates from more than 50 banks, credit unions and financial companies. We evaluate CDs based on APYs, product offerings, accessibility and customer service.
The current banks included in CNET’s weekly CD averages are: Alliant Credit Union, Ally Bank, American Express National Bank, Barclays, Bask Bank, Bread Savings, Capital One, CFG Bank, CIT, Fulbright, Marcus by Goldman Sachs, MYSB Direct, Quontic, Rising Bank, Synchrony, EverBank, Popular Bank, First Internet Bank of Indiana, America First Federal Credit Union, CommunityWide Federal Credit Union, Discover, Bethpage, BMO Alto, Limelight Bank, First National Bank of America, Connexus Credit Union.
Recommended Articles
Best CD Rates for August 2024
Get Today’s Highest APY With These 6-Month CDs
Get Today’s Highest APY With These 6-Month CDs
If You Deposit $2,000 Into This CD Right Now, You’d Earn About $100 in a Year
If You Deposit $2,000 Into This CD Right Now, You’d Earn About $100 in a Year
Best No-Penalty CD Rates for August 2024
Best No-Penalty CD Rates for August 2024
The Magic of Compound Interest Is Helping Double My Savings in One Year
The Magic of Compound Interest Is Helping Double My Savings in One Year
‘The Economy Isn’t Falling Off a Cliff.’ These 4 Expert Steps Can Help You Prepare if You’re Worried
‘The Economy Isn’t Falling Off a Cliff.’ These 4 Expert Steps Can Help You Prepare if You’re Worried
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Queen Mobile là địa chỉ tin cậy cho việc đánh giá và mua sắm các sản phẩm công nghệ uy tín. Không chỉ đem lại sự tiện lợi và đảm bảo chất lượng sản phẩm, Queen Mobile còn mang đến cơ hội kiếm tiền hấp dẫn cho các khách hàng thông qua chương trình lãi suất CD cao. Đừng bỏ lỡ cơ hội kiếm tiền ngay hôm nay bằng cách mua sắm tại Queen Mobile và tận hưởng những ưu đãi phụ kiện đỉnh từ cửa hàng. Hãy ghé thăm Queen Mobile ngay hôm nay để trải nghiệm dịch vụ tốt nhất và mang về những sản phẩm công nghệ hữu ích cho cuộc sống của bạn! #QueenMobile #ĐánhGiáSảnPhẩm #MuaSắmUyTín #LãiSuấtCao #CơHộiKiếmTiền #PhụKiệnĐỉnh #TinCậy
MUA NGAY: https://dienmay.pro.vn/co-hoi-kiem-tien-hap-dan-voi-lai-suat-cd-cao-dung-bo-lo
QUEEN MOBILE chuyên cung cấp điện thoại Iphone, máy tính bảng Ipad, đồng hồ Smartwatch và các phụ kiện APPLE và các giải pháp điện tử và nhà thông minh. Queen Mobile rất hân hạnh được phục vụ quý khách….
_____________________________________________________
Mua #Điện_thoại #iphone #ipad #macbook #samsung #xiaomi #poco #oppo #snapdragon giá tốt, hãy ghé [𝑸𝑼𝑬𝑬𝑵 𝑴𝑶𝑩𝑰𝑳𝑬] ✿ 149 Hòa Bình, phường Hiệp Tân, quận Tân Phú, TP HCM
✿ 402B, Hai Bà Trưng, P Tân Định, Q 1, HCM
✿ 287 đường 3/2 P 10, Q 10, HCM
Hotline (miễn phí) 19003190
Thu cũ đổi mới
Rẻ hơn hoàn tiền
Góp 0%
Thời gian làm việc: 9h – 21h.
KẾT LUẬN
Nếu bạn đang tìm kiếm cơ hội kiếm tiền hấp dẫn với lãi suất CD cao thì đừng bỏ lỡ cơ hội này! Phụ Kiện Đỉnh mang đến cho bạn những sản phẩm chất lượng với lãi suất hấp dẫn, giúp bạn kiếm được lợi nhuận cao. Hãy nhanh tay đầu tư ngay để không bỏ lỡ cơ hội này!
MUA NGAY: https://dienmay.pro.vn/co-hoi-kiem-tien-hap-dan-voi-lai-suat-cd-cao-dung-bo-lo
Các Tỉ lệ Lãi suất tiết kiệm tốt nhất ngày hôm nay – Muốn tối đa hóa thu nhập của bạn? Đạt được một trong những Tỉ lệ Lãi suất hàng đầu này trong khi bạn vẫn còn có thể.
Các sản phẩm tại Queen Mobile sẽ mang lại trải nghiệm tuyệt vời cho bạn! Đừng bỏ lỡ cơ hội đánh giá sản phẩm và mua ngay tại đây để nhận được những ưu đãi hấp dẫn. #QueenMobile #SảnPhẩmTốt #MuaNgay
Mua ngay sản phẩm tại Việt Nam:
QUEEN MOBILE chuyên cung cấp điện thoại Iphone, máy tính bảng Ipad, đồng hồ Smartwatch và các phụ kiện APPLE và các giải pháp điện tử và nhà thông minh. Queen Mobile rất hân hạnh được phục vụ quý khách….
_____________________________________________________
Mua #Điện_thoại #iphone #ipad #macbook #samsung #xiaomi #poco #oppo #snapdragon giá tốt, hãy ghé (𝑸𝑼𝑬𝑬𝑵 𝑴𝑶𝑩𝑰𝑳𝑬)
✿ 149 Hòa Bình, phường Hiệp Tân, quận Tân Phú, TP HCM
✿ 402B, Hai Bà Trưng, P Tân Định, Q 1, HCM
✿ 287 đường 3/2 P 10, Q 10, HCM
Hotline (miễn phí) 19003190
Thu cũ đổi mới
Rẻ hơn hoàn tiền
Góp 0%
Thời gian làm việc: 9h – 21h.
Ở ngày hôm nay, cơ hội đầu tư vào CD với lãi suất cao không nhiều nhưng vẫn còn. Để tối đa hóa thu nhập của bạn, hãy chọn một trong những lãi suất APY cao này ngay bây giờ. Đừng bỏ lỡ cơ hội này!
May Lim/500px/Getty Images
Key takeaways
- Today’s best CDs boast APYs up to 5.30%.
- Banks are increasingly slashing APYs across CD terms in anticipation of Fed rate cuts.
- Opening a CD today will protect your returns from rate cuts and maximize your earning potential.
Certificate of deposit rates have been wavering for months, but they’re falling faster as recession fears grow. You can still score an annual percentage yield, or APY, up to 5.30% with today’s best CDs, but time is of the essence.
Your rate is fixed when you open a CD, which means your returns stay the same regardless of future rate drops. And with rate cuts looming, the sooner you lock in a high APY, the greater your earning potential could be. Here’s where you can snag one of the best CD rates available right now.
Today’s best CD rates
Here are some of the top rates available on today’s best CDs and how much you could earn by depositing $5,000 right now:
| Term | Highest APY | Bank | Estimated earnings |
| 6 months | 5.30% | CommunityWide Federal Credit Union | $130.79 |
| 1 year | 5.15% | Bread Savings, CommunityWide Federal Credit Union, First Internet Bank of Indiana, Limelight Bank | $257.50 |
| 3 years | 4.55% | NexBank | $714.02 |
| 5 years | 4.35% | First Internet Bank of Indiana | $1,186.32 |
Experts recommend comparing rates before opening a CD account to get the best APY possible. Enter your information below to get CNET’s partners’ best rate for your area.
Why banks are slashing APYs
The Fed regularly adjusts the federal funds rate to stabilize the economy. This rate determines how much it costs banks to borrow and lend money to each other, so banks tend to follow the Fed’s lead.
When the Fed started raising rates in March 2022 to fight rampant inflation, APYs on CDs skyrocketed. As inflation began showing signs of cooling, the Fed held rates steady eight times starting in September 2023, and APYs largely held steady, too. In recent months, APYs have wavered as banks anticipated a rate cut, which Fed Chair Jerome Powell said “could be on the table at the September meeting.” But following a dismal July labor report, some economists are calling for the Fed to make an emergency interest rate cut sooner, and we’re starting to see APY cuts accelerate
Here’s where CD rates stand compared to last week:
| Term | CNET average APY | Weekly change* | Average FDIC rate | |
| 6 months | 4.58% | No change | 1.81% | |
| 1 year | 4.72% | -3.48% | 1.85% | |
| 3 years | 3.99% | -2.20% | 1.44% | |
| 5 years | 3.86% | -2.03% | 1.43% |
*Weekly percentage increase/decrease from Aug. 5, 2024, to Aug. 12, 2024.
The sooner you lock in a high APY, the greater your earning potential could be — especially if you’re looking for a short-term CD.
“Rate cuts in September will affect the shortest-term CD rates right away,” said Noah Damsky, CFA, Principal of Marina Wealth Advisors. “So if you have a need to lock cash up for three to 12 months, that’s where you want to act as quickly as possible.”
In general, short-term CD rates are higher than long-term ones right now. That said, rates are dropping across terms, so any rate you get today is likely to be the best rate you’ll find for that term for a while.
“Currently, CD rates are holding up fairly well, though shorter maturities offer slightly higher yields,” said Faron Daugs, CFP, founder and CEO at Harrison Wallace Financial Group. “This aligns with the expectation that rates will decline over the next year and a half. The key is to match the maturity of your CDs with your potential need for funds. If stability is your priority, it might be wise to lock in a slightly lower rate for a longer period.”
How to find the best CD for you
A competitive APY is important, but there are other things you should consider when comparing CDs to get the best product for your needs:
- When you’ll need your money: Early withdrawal penalties can eat into your interest earnings. So, be sure to choose a term that fits your savings timeline. Alternatively, you can select a no-penalty CD, although the APY may not be as high as you’d get with a traditional CD of the same term.
- Minimum deposit requirement: Some CDs require a minimum amount to open an account — typically, $500 to $1,000. Others do not. How much money you have to set aside can help you narrow down your options.
- Fees: Maintenance and other fees can eat into your earnings. Many online banks don’t charge fees because they have lower overhead costs than banks with physical branches. Still, read the fine print for any account you’re evaluating.
- Federal deposit insurance: Make sure any bank or credit union you’re considering is an FDIC or NCUA member so your money is protected if the bank fails.
- Customer ratings and reviews: Visit sites like Trustpilot to see what customers are saying about the bank. You want a bank that’s responsive, professional and easy to work with.
Methodology
CNET reviews CD rates based on the latest APY information from issuer websites. We evaluated CD rates from more than 50 banks, credit unions and financial companies. We evaluate CDs based on APYs, product offerings, accessibility and customer service.
The current banks included in CNET’s weekly CD averages are: Alliant Credit Union, Ally Bank, American Express National Bank, Barclays, Bask Bank, Bread Savings, Capital One, CFG Bank, CIT, Fulbright, Marcus by Goldman Sachs, MYSB Direct, Quontic, Rising Bank, Synchrony, EverBank, Popular Bank, First Internet Bank of Indiana, America First Federal Credit Union, CommunityWide Federal Credit Union, Discover, Bethpage, BMO Alto, Limelight Bank, First National Bank of America, Connexus Credit Union.
Recommended Articles
Best CD Rates for August 2024
Get Today’s Highest APY With These 6-Month CDs
Get Today’s Highest APY With These 6-Month CDs
If You Deposit $2,000 Into This CD Right Now, You’d Earn About $100 in a Year
If You Deposit $2,000 Into This CD Right Now, You’d Earn About $100 in a Year
Best No-Penalty CD Rates for August 2024
Best No-Penalty CD Rates for August 2024
The Magic of Compound Interest Is Helping Double My Savings in One Year
The Magic of Compound Interest Is Helping Double My Savings in One Year
‘The Economy Isn’t Falling Off a Cliff.’ These 4 Expert Steps Can Help You Prepare if You’re Worried
‘The Economy Isn’t Falling Off a Cliff.’ These 4 Expert Steps Can Help You Prepare if You’re Worried
(ad_2)
