Are these good CD rates and is it really worth it? : r ... - Reddit

4.75% for anything over 11 months is NOT a good rate, unless you don’t mind locking up your money. I have several deposit type accounts (ST CDs, MMs, and tbills) paying over 5% and …

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Are These Good CD Rates And Is It Really Worth It? : R ... - Reddit

1 week from now

4.75% for anything over 11 months is NOT a good rate, unless you don’t mind locking up your money. I have several deposit type accounts (ST CDs, MMs, and tbills) paying over 5% and …

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What’s The General Consensus For CD’s Right Now? : R/investing

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I think fixed income (CDs, MMFs, HYSAs, T-Bills, etc) are all good options currently. In this rate environment earning 5%+ relatively risk-free is good especially since I believe the market is …

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Should I Just Pick The Highest CD Rate Regardless Of Bank?

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One good thing about bank CDs in a falling rate environment is that you can lock in the rate. I lucked into a special from Synchrony for a 5.5% 15 month CD. Will other options be paying …

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Are CDs Really A Good Investment? Here's The Truth - The Motley …

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5 days ago · Meanwhile, the best CD rates we've seen in decades have been recent rates around 5%. But that's clearly nowhere close to 10% on your money. And those 5% rates are also far …

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How To Find Best CD Rates - Bogleheads.org

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Mar 14, 2019 · Except for the 5 year (barely), brokered CDs offer much higher yields than what you have listed: 5 Year 3.45% 4 Year 3.35% 3 Year 3.4% 2 year 3.3%

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12 Best CD Rates Of November 2024: Up To 4.95% APY - CNBC

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Nov 7, 2024 · What's considered a good CD rate depends on the length of the CD term. Currently, the highest rates seem to be for six-month, nine- or 10-month and one-year CDs, hovering at …

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CDs Offer Risk-Free Returns Above 5%. Here's Why They May Still …

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Now, accepting a lower CD rate because CDs present almost no risk of money loss can make sense, because there is some risk to stock market investing. But the S&P 500 has a really …

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12 Best CD Rates Of November 2024: Up To 4.75% – Forbes Advisor

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4 days ago · The best CD rates of 2024 are as high as 4.75% APY, offered by CommunityWide Federal Credit Union on a 6-month certificate.

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Best CD Rates Of November 2024 – Up To 10.00% - WalletHub

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Nov 8, 2024 · If you're looking to earn a higher rate on your deposits while maintaining the flexibility to access your funds in case of an unexpected expense, Marcus by Goldman Sachs …

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Are CD Accounts Worth Anything At All Right Now? : R ... - Reddit

1 week from now

Rates are low everywhere. It is bad news for people who want to invest in CDs but good news for people refinancing their mortgage. HYSA rates are low too, at about 0.5% - if the CD rates you …

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FAQs about Are these good CD rates and is it really worth it? : r ... - Reddit Coupon?

Are CDs worth it?

CDs tend to offer higher interest rates than savings accounts. And today’s best CD rates are far higher than the national averages. CDs may not always be worth it though. They lack liquidity, and that potential drawback is something to consider before opening an account. CDs have several advantages, but there are some risks to consider. ...

Are CDs a good investment?

You can still earn returns in the 4% and 5% ranges across every CD term—which is historically very high. CDs provide a locked-in rate that's predictable for the life of the CD. So whether you choose a short 6-month term or a long 5-year duration, your rate is guaranteed until maturity. ...

Are CDs still a good place to put money?

In the long run, you could lose out big time by sticking with CDs. Since CD rates have been super high this year, a lot of people have opened CDs to take advantage. And even as CD rates start to fall, they can still be a good place to put your money under the right circumstances. ...

Should you buy a CD if interest rates rise?

In a low-interest-rate environment, CDs might not offer a limited yield advantage over other savings options. However, locking in a fixed rate via a CD can be a smart move when interest rates are elevated or rising. The CD ladder strategy involves purchasing multiple CDs with different maturity dates. ...

What are the best CD rates?

Meanwhile, the best CD rates we've seen in decades have been recent rates around 5%. But that's clearly nowhere close to 10% on your money. And those 5% rates are also far from the norm. So over time, choosing CDs could come back to bite you. ...

Are CDs better than savings accounts?

Generally, CDs provide higher yields than traditional savings accounts. As of May 15, 2023, the last reported data, the average rate for a 12-month CD was 1.59% — about three times higher than the average rate for savings accounts. But — as with high-yield savings accounts — you may find much higher rates by shopping around. ...