Find out how much you could earn by locking in a high CD rate today. The Federal Reserve cut its federal funds rate three times in 2025, so now could be your last chance to lock in a competitive CD rate before rates fall further. CD rates vary widely across financial institutions, so it’s important to ensure you’re getting the best rate possible when shopping around for a CD. The following is a breakdown of CD rates today and where to find the best offers. Overview of CD rates today Generally, the best ...

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Core Insights - The article emphasizes the importance of Annual Percentage Yield (APY) as a more comprehensive measure than simple interest rates when evaluating savings accounts and certificates of deposit (CDs) [2][3][4] Group 1: Understanding APY - APY represents the total interest earned in one year, expressed as a percentage, and is crucial for comparing different savings options [3] - The concept of APY incorporates compound interest, allowing account holders to earn interest on both their initial deposit and the interest already accrued [4][7] Group 2: Importance of Compounding - Compounding interest significantly enhances earnings; for example, a $10,000 deposit at 4% interest compounded monthly yields $408 instead of $400, demonstrating the value of frequent compounding [4][7] - The article highlights that the best savings accounts currently offer APYs between 3.85% and 4%, while the national average is only 0.60%, indicating a substantial difference in potential earnings [6][7] Group 3: Market Comparison - There is a notable disparity in APY rates across different banks and credit unions, with potential earnings on a $10,000 balance varying from $60 at the national average to $400 at top rates, suggesting the need for consumers to shop around for better rates [6][7]

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What are some apps or protocols where I can still get good APY on my USDC or USDT?Tell me what you're using.Should be low-risk and at least match my bank account interest rate of 2.75% lmaowale.moca 🐳 (@waleswoosh):Why is Aave APY so low these days?I get 2.75% risk-free on USD in my bank account.But only 1.91% on USDT for lending on Aave.Crypto is doomed https://t.co/cbI5rHf2mN ...