Market Overview - Over $100 million PYUSD is available for borrowing [1] - Borrowing APY is under 2% with a very flat curve on Kamino main pool [1]

Core Insights - The Federal Reserve has cut its federal funds rate three times in 2024 and announced a second rate cut for 2025, indicating a potential decline in competitive CD rates in the near future [1] - The best CD rates are currently found at online banks and credit unions, particularly for shorter terms of around one year or less [3] CD Rates Overview - As of November 8, 2025, the highest CD rate available is 4.25% APY, offered by United Fidelity Bank on its 10-month, 18-month, and 2-year CDs [3] - The interest earned from a CD is determined by the annual percentage rate (APY), which accounts for the base interest rate and the frequency of interest compounding [3] Interest Earnings Examples - A $1,000 investment in a one-year CD at 1.70% APY with monthly compounding would yield a total of $1,017.13 at maturity, resulting in $17.13 in interest [4] - Conversely, a one-year CD at 4% APY would grow the same $1,000 investment to $1,040.74, earning $40.74 in interest [4] - Increasing the deposit to $10,000 in a one-year CD at 4% APY would result in a total balance of $10,407.42, with $407.42 earned in interest [5] Types of CDs - Bump-up CDs allow for a one-time request to increase the interest rate if the bank's rates rise during the term [5] - No-penalty CDs permit early withdrawal without penalties, providing more flexibility [5] - Jumbo CDs require a higher minimum deposit (typically $100,000 or more) and may offer higher interest rates, though the difference may be minimal in the current environment [5] - Brokered CDs are purchased through a brokerage and may offer higher rates or flexible terms, but they carry more risk and may not be FDIC-insured [5]

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