Banks Offer High CD Rates Amid Federal Reserve Cuts
CD rates remain high despite recent Federal Reserve rate cuts, with Marcus by Goldman Sachs offering 4% APY on a 1-year CD. Rates are expected to decline further in 2026.
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CD rates remain high despite recent Federal Reserve rate cuts, with Marcus by Goldman Sachs offering 4% APY on a 1-year CD. Rates are expected to decline further in 2026.
CD rates are falling but still offer returns above 4%. The highest current rate is 4.1% APY. Rates have fluctuated over decades, influenced by economic events and Federal Reserve policies.
Certificate of deposit rates are falling as the Federal Reserve reduces interest rates, though some CDs still offer over 4% APY. Historical trends show rates dropped after crises but rose with inflation, now declining from recent peaks.
The Federal Reserve cut rates three times in 2025, making now a critical time to lock in competitive CD rates before further declines. Marcus by Goldman Sachs offers the highest rate at 4% APY on a 1-year CD as of January 10, 2026.