币界网报道：A U.S. bank is offering an unusually high 4.51% APY on a one-month certificate of deposit (CD) as financial institutions adjust products ahead of anticipated Federal Reserve rate cuts. The limited-time promotion from Rising Bank, the digital arm of Midwest regional bank CBBC Bank, requires a $25,000 minimum deposit and caps the offer at $250,000 per customer. This CD rate significantly outpaces the national average of 0.23% for one-month CDs and even exceeds typical high-yield savings account rates. The aggressive pricing comes as banks compete for deposits while preparing for potential Fed rate reductions later this year. Rising Bank's parent company CBBC Bank, with $1.3 billion in assets, has been expanding its digital offerings to attract tech-savvy customers. Financial analysts note such promotional CD rates may become more common as banks seek to lock in customer funds before expected declines in interest rates.