Saver Insights

CD Rates Holding Above U.S. Treasury Yields As FOMC Remains Steady

Saver Insights, Straight Up Rates /

Let’s take a quick look at CD rates vs. Treasury rates following the June 17-18 Federal Open Market Committee (FOMC) meeting, where there was no change in interest rates.  A 12-month share certificate from Geismar Complex Federal Credit Union (a selected employer-based credit union) offers savers an eye-catching 5.9% APY this week. Geismar Complex Federal …

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June APY Checkpoint

June 2025 APY Checkpoint: Great Rates are Holding Steady, For Now

Saver Insights, Straight Up Rates /

The Federal Open Market Committee is expected to hold rates steady at 4.25% to 4.50% at its June 17-18 meeting. Forecasters project that September may bring the start of three rate reductions, but as we know, Fed forecasting is an imperfect science. That’s why it’s always important to compare CD rates to make sure that …

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May 2025 APY Checkpoint: Locking in Strong CD Yields Amid Economic Crosscurrents

Saver Insights, Straight Up Rates /

As we navigate the economic landscape in May, savers face a pivotal moment. With the Federal Reserve holding rates steady at 4.25% to 4.50% at the May meeting, market forecasters are projecting July will be the start of three rate reductions in 2025. This narrows the window to lock in a high-yield certificate of deposit …

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Why It’s Worth Opening a CD at an Out-of-State Bank

Financial Wellness, Saver Insights /

When it comes to opening a certificate of deposit (CD), many people automatically turn to their local bank or credit union. It’s familiar, convenient, and feels secure. But in today’s digital world, limiting yourself to local financial institutions could mean missing out on better rates. Here’s why it’s often worth looking beyond your zip code …

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Online vs. Traditional Banks and Credit Unions: What to Know Before Opening an Account

CD 101, Saver Insights /

When it comes to opening a certificate of deposit (CD), consumers today have more choices than ever. From big brand banks and neighborhood credit unions to online-only institutions, each option offers unique advantages and a few trade-offs. If you’re hesitant about opening an account online, rest assured, as there are ways to safeguard your transaction. …

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Why CDS Make Sense If You’re Worried About a Recession

Financial Wellness, Saver Insights /

Market volatility, job insecurity, and shrinking portfolios can cause financial stress. But there’s one savings option that tends to shine in tough times: certificates of deposit (CDs). While no financial product is completely immune to every economic challenge, CDs offer a level of stability and predictability that makes them a reliable choice when recessionary risks …

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May 2025 APY Checkpoint: Locking in Strong CD Yields Amid Economic Crosscurrents

Saver Insights, Straight Up Rates /

As we navigate the economic landscape in May, savers face a pivotal moment. With the Federal Reserve holding rates steady at 4.25% to 4.50% at the May meeting — market forecasters are projecting July will be the start of three rate reductions in 2025. This narrows the window to lock in a high-yield certificate of …

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