Core Insights - The yield on the 10-year Treasury note was 4.22% on February 6, 2026, while the 2-year note was at 3.50% and the 30-year note at 4.85% [1] - An inverted yield curve, where longer-term yields are lower than shorter-term yields, is a reliable leading indicator for recessions, with the 10-2 spread being particularly significant [1] - The average lead time to a recession based on the 10-2 spread is approximately 48 weeks from the first negative spread date, or 18.5 weeks from the last positive spread date [1] Treasury Yields Overview - The long-term view of the 10-year Treasury yield shows significant historical context, starting from 1965 [1] - The 10-2 spread has been continuously negative from July 5, 2022, to August 26, 2024, indicating potential recession signals [1] - The 10-3 month spread also shows similar patterns, with negative periods leading up to recessions [1] Mortgage Rates and Federal Funds Rate - The Federal Funds Rate influences borrowing costs, and recent trends show that mortgage rates have declined despite the Fed's rate-cutting cycle starting in September 2024 [1] - The latest Freddie Mac survey indicates the 30-year fixed mortgage rate at 6.11%, one of the lowest since October 2024 [1] - Fed policy has been a major influence on market behavior, particularly in relation to Treasury yields and mortgage rates [1]

Deposit account rates are on the decline — but the good news is 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% APY ...

Group 1: Treasury Yields and Economic Indicators - The yield on the 10-year Treasury note was 4.26% as of January 30, 2026, while the 2-year note was at 3.52% and the 30-year note at 4.87% [1] - An inverted yield curve occurs when longer-term Treasury yields are lower than shorter-term yields, with the 10-2 spread being a reliable leading indicator for recessions, typically turning negative before recessions [2] - The average lead time to a recession based on the first negative spread date is approximately 48 weeks, while using the last positive spread date yields an average lead time of 18.5 weeks [4][6] Group 2: Mortgage Rates and Federal Funds Rate - The Federal Funds Rate (FFR) influences borrowing costs for banks, which in turn affects mortgage rates; however, recent trends show mortgage rates declining even as the Fed began a rate-cutting cycle in September 2024 [7] - The latest Freddie Mac Weekly Primary Mortgage Market Survey reported the 30-year fixed mortgage rate at 6.10%, marking one of the lowest levels since October 2024 [7] Group 3: Treasury ETFs - ETFs associated with Treasuries include Vanguard 0-3 Month Treasury Bill ETF (VBIL), Vanguard Intermediate-Term Treasury ETF (VGIT), and Vanguard Long-Term Treasury ETF (VGLT) [9]

Key Takeaways President Donald Trump has selected former Federal Reserve Governor Kevin Warsh as his nominee to be the next chair of the Federal Reserve after Jerome Powell's term ends in May.Warsh has argued for lower interest rates, and as Fed chair, will be in a position to influence them. President Donald Trump has selected former Federal Reserve Governor Kevin Warsh to be the next chair of the central bank.Warsh, who served as a Fed governor between 2006 and 2011, beat out several finalists for the ...

Key takeaways The Federal Open Market Committee (FOMC) sets the benchmark rate, which impacts the rates auto lenders set. When the federal funds rate fluctuates, so will the cost to finance a vehicle. The Fed increased the benchmark rate 11 times between 2022 and 2023, and the central bank has cut its rate three times to date in 2025. While auto loan rates have begun to decrease, it will likely take several rate cuts before borrowers see significantly lower rates. Over the past two years, Americ ...

Group 1: Treasury Yields and Economic Indicators - The yield on the 10-year Treasury note was 4.24% as of January 23, 2026, while the 2-year note was at 3.60% and the 30-year note at 4.82% [1] - An inverted yield curve occurs when longer-term Treasury yields are lower than shorter-term yields, which is often a precursor to recessions, with the 10-2 spread being a reliable leading indicator [2] - The average lead time to a recession based on the first negative spread date is approximately 48 weeks, while using the last positive spread date yields an average lead time of 18.5 weeks [4][6] Group 2: Mortgage Rates and Federal Funds Rate - The Federal Funds Rate (FFR) influences borrowing costs for banks, which typically affects mortgage rates; however, recent trends show mortgage rates declining despite the Fed's rate cuts starting in September 2024 [7] - The latest Freddie Mac Weekly Primary Mortgage Market Survey reported the 30-year fixed mortgage rate at 6.09%, marking one of the lowest levels since October 2024 [7] Group 3: Treasury ETFs - ETFs associated with Treasuries include Vanguard 0-3 Month Treasury Bill ETF (VBIL), Vanguard Intermediate-Term Treasury ETF (VGIT), and Vanguard Long-Term Treasury ETF (VGLT) [9]

Core Insights - The Federal Reserve has cut the federal funds rate three times in 2024 and three times in 2025, leading to a decline in deposit interest rates, including money market account (MMA) rates [1] - The national average rate for MMAs is currently 0.56%, while top high-yield accounts offer rates exceeding 4% APY, significantly higher than the national average [2][9] Group 1: Money Market Account Rates - The importance of comparing MMA rates is emphasized as they vary widely among banks, particularly online banks and credit unions, which offer competitive rates [3][4] - Online banks have lower overhead costs, allowing them to provide higher deposit rates and lower fees compared to traditional banks [4] - Credit unions, being not-for-profit, also offer competitive rates and fewer fees, although membership requirements may apply [5] Group 2: Features and Considerations of Money Market Accounts - Money market accounts are suitable for short-term savings goals, offering higher interest rates than regular savings accounts and easier access to funds compared to CDs [5][7] - These accounts are considered low-risk and are FDIC-insured up to $250,000 per depositor, per institution, making them safer than money market funds [6] - Many MMAs require a minimum balance to earn the highest advertised rate, and failure to maintain this balance may result in fees or lower rates [6] Group 3: Accessibility and Usage - While MMAs allow for easier access to funds, they may limit the number of transactions per month, which is a consideration for those needing frequent access [7] - MMAs are recommended for individuals looking to earn more interest than a regular savings account without locking funds in a CD, provided they can maintain the minimum balance [7][8]

Core Insights - The article discusses the current state of money market account (MMA) rates, highlighting the importance of earning competitive rates as interest rates decline following recent Federal Reserve rate cuts [1][4]. Group 1: Current MMA Rates - The national average interest rate for money market accounts is 0.58%, while top rates can exceed 4% APY, comparable to high-yield savings accounts [2]. - Quontic Bank and HUSTL currently offer the highest MMA rates at 4.1%, which is over seven times the national average [7]. Group 2: Interest Rate Trends - Deposit account rates, including money market rates, are influenced by the federal funds rate set by the Federal Reserve. When the Fed lowers its rate, deposit rates typically decrease [3]. - Following three rate cuts by the Fed, money market rates are expected to continue declining, suggesting that now may be a critical time for savers to take advantage of higher rates [4]. Group 3: Considerations for MMA Investment - Money market accounts are appealing for savers seeking safety, liquidity, and better returns than traditional savings accounts, especially in the current elevated interest rate environment [5]. - Factors to consider when investing in an MMA include liquidity needs, savings goals, and risk tolerance. These accounts provide easy access to funds and are FDIC insured, making them a safer option for conservative savers [6].

Group 1: Treasury Yields and Economic Indicators - The yield on the 10-year Treasury note was 4.18% as of January 9, 2025, while the 2-year note was at 3.54% and the 30-year note at 4.82% [1] - An inverted yield curve, where longer-term Treasury yields are lower than shorter-term yields, is a reliable leading indicator for recessions, with the 10-2 spread turning negative before recessions [2][3] - The average lead time to a recession based on the first negative spread date is approximately 48 weeks, while using the last positive spread date yields an average lead time of 18.5 weeks [4][6] Group 2: Mortgage Rates and Federal Funds Rate - The Federal Funds Rate (FFR) influences borrowing costs for banks, which typically leads to higher mortgage rates when the FFR increases; however, recent trends show mortgage rates declining despite the Fed's rate-cutting cycle starting in September 2024 [7] - The latest Freddie Mac Weekly Primary Mortgage Market Survey reported the 30-year fixed mortgage rate at 6.16%, marking one of its lowest levels since October 2024 [7] Group 3: Treasury ETFs - ETFs associated with Treasuries include Vanguard 0-3 Month Treasury Bill ETF (VBIL), Vanguard Intermediate-Term Treasury ETF (VGIT), and Vanguard Long-Term Treasury ETF (VGLT) [9]

Core Insights - The article discusses the current state of money market account (MMA) rates, highlighting the importance of earning competitive rates as interest rates decline following recent Federal Reserve rate cuts [1][4]. Group 1: Current MMA Rates - The national average interest rate for money market accounts is 0.58%, while top rates can exceed 4% APY, comparable to high-yield savings accounts [2]. - Quontic Bank and HUSTL currently offer the highest MMA rates at 4.1%, which is over seven times the national average [7]. Group 2: Interest Rate Trends - Deposit account rates, including money market rates, are influenced by the federal funds rate set by the Federal Reserve. When the Fed lowers its rate, deposit rates typically decrease [3]. - Following three rate cuts by the Fed, money market rates are expected to continue declining, suggesting that now may be a critical time for savers to take advantage of higher rates [4]. Group 3: Considerations for MMA Investment - Money market accounts are appealing for savers seeking safety, liquidity, and better returns than traditional savings accounts, especially in the current elevated interest rate environment [5]. - Factors influencing the decision to invest in an MMA include liquidity needs, savings goals, and risk tolerance. These accounts provide easy access to funds and are FDIC insured, making them a safer option for conservative savers [6].