9月18日，记者从南京银行（601009）客服处获悉，该行的个人美元存款产品"鑫汇添"已自9月13日起执 行新的定价。起存金额1万美元，3个月期、6个月期、1年期利率分别为2.5%、2.7%、3.0%。起存金额 20万美元，3个月期、6个月期、1年期利率分别为3.5%、3.7%、3.8%，而在此之前的利率分别为3.5%、 3.7%、4%。 恒丰银行客服告诉记者，该行今年6月份对美元存款利率进行过更新，目前，1万美元起存，2年期利率 为2.8%，1年期利率为3.3%，6个月期利率是2.9%，3个月期利率为2.8%。 北京时间9月18日凌晨，美联储宣布将联邦基金利率目标区间下调25个基点到4.00%至4.25%之间。这是 美联储今年以来的首次降息。 在我国商业银行制定个人美元定期存款利率的过程中，美国基准利率水平是关键考量因素之一。自2024 年以来，美元定期存款利率已经历多轮下调。 据《证券日报》记者梳理，当前，多家银行的1年期美元定期存款的利率暂时维持在"3字头"。 对于后续美元存款利率走势，中信证券首席经济学家明明对《证券日报》记者表示，在美联储此次降息 及未来可能的降息周期下，美元存款利率的走势继续下行的 ...

Group 1 - The Federal Reserve announced a 25 basis point cut in the federal funds rate target range to between 4.00% and 4.25%, marking its first rate cut of the year [1] - Domestic banks typically adjust their USD deposit rates in response to changes in the US benchmark interest rates, but the adjustments may not always be synchronous or uniform [1][3] - As of September 18, several banks are offering 1-year USD fixed deposit rates in the "3% range," with specific rates provided by various banks [2] Group 2 - The chief economist at CITIC Securities indicated a high probability of further declines in USD deposit rates due to the Fed's recent rate cut and potential future cuts [3] - The downward adjustment of USD deposit rates may lead to reduced interest income for depositors, prompting them to seek higher-yielding assets such as bonds or stocks [3] - Investors are advised to diversify their asset allocation in USD investments and closely monitor Fed policy changes and exchange rate fluctuations [3]