币界网报道：The Federal Reserve's latest interest rate hike has prompted major U.S. banks to adjust their FD offerings, with JPMorgan Chase now leading with a 5.25% APY on 12-month certificates. Bank of America follows closely at 5.15%, while Wells Fargo and Citibank both offer 5.05% for the same term. Goldman Sachs' Marcus maintains its position as the highest-yielding online option at 5.35% APY. These increases come as inflation remains stubbornly above the Fed's 2% target, with June's CPI report showing a 3.4% annual increase. Banking analysts note this marks the most competitive CD rate environment since 2008, though they caution that rates may plateau following the Fed's signal of only one more anticipated hike this year. Regional banks continue to offer even higher yields, with some promotional rates exceeding 6% for new customers.