Deposit account rates are on the decline. The good news: You can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to 4.5% AP ...

Core Insights - A steeper yield curve and strong deal activity are positively impacting bank stocks ahead of JPMorgan's earnings report [1] - Analysts anticipate that financials will contribute to one-fifth of the profits for the S&P 500 [1] Group 1 - The current market environment features a steeper yield curve, which typically benefits banks by increasing net interest margins [1] - There is a notable increase in deal activity within the financial sector, further supporting the performance of bank stocks [1] - Analysts project that the financial sector will account for approximately 20% of the total profits generated by the S&P 500 [1]

2026 GLOBAL RATES OUTLOOK Disinflation Dampens Duration Risks George Cole +44(20)7552-1214 | george.cole@gs.com Goldman Sachs International 6 January 2026 | 5:01PM GMT Economics Research William Marshall +1(212)357-0413 | william.c.marshall@gs.com Goldman Sachs & Co. LLC Bill Zu +1(212)357-8230 | bill.zu@gs.com Goldman Sachs & Co. LLC Simon Freycenet +44(20)7774-5017 | simon.freycenet@gs.com Goldman Sachs Bank Europe SE - Paris Branch Friedrich Schaper +44(20)7774-7906 | friedrich.schaper@gs.com Goldman Sac ...

Join for a 100% Risk-Free trial and see if our proven method can help you too. You do not need to pay for the costly lessons from the market itself.Sensor Unlimited is an economist by training with a PhD, with a focus on financial economics. She is a quantitative modeler and for the past decade she has been covering the mortgage market, commercial market, and the banking industry. She writes about asset allocation and ETFs, particularly those related to the overall market, bonds, banking and financial secto ...

[Music] Welcome back to Market on Close. I'm Sam Bardis alongside Alex Coffeeoffe. So just some final thoughts on today's session, Alex.I mean really the conversation right now has been centered around the 2026 outlook as most of our guests have been talking about over the last 90 minutes or so. The guests I've been speaking to really believe that the beginning of 2026 is likely going to be really an extension of the end of 2025. And what they mean by that is the drivers which are really propelling this mar ...

Sign in to access your portfolio Sign in ...

19 December 2025 | 12:31PM EST Economics Research GLOBAL MARKETS ANALYST An Investor's Guide to Japanese Portfolio Flows Goldman Sachs Global Markets Analyst An Investor's Guide to Japanese Portfolio Flows Japanese portfolio flows can have an outsized impact on market dynamics due to Japan's exceptionally large, positive net international investment position (NIIP) and the historically high domestic participation in the JGB market. For that reason, investors have long had an eye on the official statistics, ...

Right. Uh now it's time to get uh a look at the big picture. Let's welcome in our next guest.That's going to be Colin Martin, head of fixed income research and strategy at the Schwab Center for Financial Research. Colin, I wanted to get your take here on just the data in general here today. We got a little pop there in yields uh post that GDP.What was your takeaway. >> Yeah, it was a really strong report, you know, across the board. We we got the the highest quarterly gain annualized in two years.And and I ...

Core Insights - Deposit account rates are declining, but competitive returns on certificates of deposit (CDs) can still be locked in, with the best CDs offering rates above 4% [1] Group 1: Current CD Rates - The best short-term CDs (six to 12 months) currently offer rates around 4% to 4.5% APY, with the highest rate at 4.1% APY from Sallie Mae Bank for a 15-month CD and LendingClub Bank for an 8-month CD [2] - CDs generally provide higher rates than traditional savings accounts, making them an attractive option for savers [2] Group 2: Historical Context - CD rates were relatively high in the early 2000s but began to decline due to economic slowdowns and Federal Reserve rate cuts, with average one-year CDs at around 1% APY by 2009 [3] - The trend of falling CD rates continued into the 2010s, with average rates dropping to about 0.1% APY for 6-month CDs by 2013 due to the Fed's near-zero interest rate policy [4] - A slight recovery in CD rates occurred between 2015 and 2018 as the Fed gradually increased rates, but the COVID-19 pandemic led to emergency rate cuts, causing new record lows [5] Group 3: Recent Developments - Following the pandemic, inflation prompted the Fed to hike rates 11 times between March 2022 and July 2023, resulting in higher APYs on savings products, including CDs [6] - As of September 2024, the Fed has started cutting the federal funds rate, leading to a gradual decrease in CD rates from their peak, although they remain high by historical standards [7] Group 4: Understanding CD Rates - Traditionally, longer-term CDs offer higher interest rates, but current trends show the highest average CD rate is for a 12-month term, indicating a flattening or inversion of the yield curve [8] - Factors to consider when choosing a CD include goals for locking away funds, type of financial institution, account terms, and inflation considerations [9]

Two of the most anticipated questions of 2026 are who will be the next Fed chairman and how many times will they cut rates. For some clues, let's welcome in Richard Fischer. He's the former Dallas Fed president, now a senior adviser at Jeffre.It's good to see you. Welcome back. >> Thank you and happy holidays to you and everybody at CNBC.>> Uh we appreciate you. Thank you. All right.Would you cut rates in 26 if you had the vote. >> Depends on what the numbers show. Uh we got some rather dodgy inflation numb ...