These banks are still paying 4% yields on CDs. How to figure out whether you should lock in
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最新报道：Several U.S. banks continue offering 4% yields on certificates of deposit (CDs) despite the Federal Reserve's rate cuts, providing investors with attractive short-term options. Leading institutions like Ally Bank, Marcus by Goldman Sachs, and Synchrony Bank maintain competitive rates on 6-month to 1-year CDs, outpacing inflation. Analysts note these offers reflect banks' need to retain deposits amid economic uncertainty, though rates may decline later in 2025. Online banks dominate high-yield CD offerings due to lower overhead costs. Experts recommend comparing early withdrawal penalties and FDIC insurance coverage before locking funds.
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