实探最新美元存款利率：多家银行仍达3%，下调或随时到来

Core Viewpoint - The Federal Reserve has announced a 25 basis point reduction in the federal funds rate target range, marking the first rate cut since December 2024, with expectations of further cuts in the near future [1] Group 1: Interest Rate Changes - The recent rate cut by the Federal Reserve is expected to influence the structure of dollar deposit rates among banks, with some banks maintaining rates above 3% while others anticipate adjustments [1] - There is a growing expectation in the industry that the Federal Reserve will implement an additional 50 basis points cut by the end of the year, which may lead to further changes in dollar deposit rates [1] Group 2: Bank Responses - Different banks are exhibiting varied structures in their dollar deposit rates, with some offering higher rates for longer terms while others provide better rates for shorter terms, reflecting their expectations regarding the Federal Reserve's monetary policy [1] - Bank customer managers have indicated that a rate cut may be imminent, suggesting that banks are preparing for potential shifts in deposit rates in response to the Federal Reserve's actions [1]