If you share these concerns, now may be a good time to start preparing.And Wright isn’t the only one sounding alarms. “Rich Dad, Poor Dad” author Robert Kiyosaki has also warned that the “biggest crash in history” is beginning — adding that “residential real estate crashes” in this scenario as well.When asked how far prices would need to fall to restore balance, Wright didn’t mince words: “It's going to be near your 50% — and much greater in certain areas.”“I think we're going to correct all the way to a po ...

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 and LendingClub Bank [2] - Historical trends show that CD rates were significantly higher in the early 2000s but fell to around 1% APY for one-year CDs by 2009 due to economic slowdowns and Federal Reserve rate cuts [2][3] Group 2: Historical Context - The trend of falling CD rates continued into the 2010s, with average rates for 6-month CDs dropping to about 0.1% APY by 2013 [3] - The Federal Reserve's rate hikes between 2015 and 2018 led to a slight improvement in CD rates, but the COVID-19 pandemic caused emergency rate cuts, resulting in new record lows for CDs [4] Group 3: Recent Developments - Following the pandemic, the Federal Reserve increased rates 11 times between March 2022 and July 2023, leading to higher APYs on savings products, including CDs [5] - As of September 2024, the Federal Reserve began cutting the federal funds rate, resulting in a steady decline in CD rates from their peak, although they remain high by historical standards [6] Group 4: Understanding CD Rates - Traditionally, longer-term CDs offer higher interest rates, but currently, the highest average CD rate is for a 12-month term, indicating a flattening or inversion of the yield curve [6][7] - When choosing a CD, factors such as goals, type of financial institution, account terms, and inflation should be considered to ensure the best fit for individual needs [8]

Core Insights - Deposit account rates are declining, but competitive returns on certificates of deposit (CDs) can still be locked in, with the best rates exceeding 4% [1] Group 1: Current CD Rates - The best short-term CDs (6 to 12 months) currently offer rates around 4% to 4.5% APY, with the highest rate at 4.15% APY from First National Bank of America for a 7-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 [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 the current highest average 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 [9]

Today’s CD rates still hover well above the national average. The Federal Reserve reduced its target interest rate three times in 2024 and recently announced its third rate cut of 2025. This has a ripple effect on deposit account rates, which means now could be your last chance to lock in today's high rates with a certificate of deposit (CD). Here’s a look at today’s best CD rates and where you can find the best offers. Best CD rates today As of December 15, 2025, the highest CD rate is 4.15% APY. This r ...

Why hire a financial advisor who will take around 1% percent of your assets per year when you can get a certificate of deposit (CD) at over 5% with no fee? That alone amounts to a 6% return on your money. One can get a brokerage CD for two years at 5.5%, and with no fee, the return is 6.5%. I will take that any day instead of worrying about what the market is doing and can sleep at night. That’s especially true as a retired person who is not dollar-cost averaging anymore. Prove me wrong. -Chris While, at ...

Core Insights - The article discusses the current landscape of certificate of deposit (CD) rates, highlighting the importance of securing competitive rates for savings growth [1][2]. Summary by Sections Overview of CD Rates - Historically, longer-term CDs offered higher interest rates than shorter-term CDs, but the current economic climate has reversed this trend [2]. - As of December 14, 2025, the highest CD rate available is 4.25% APY, offered by United Fidelity Bank on its 2-year CD [2]. Interest Earnings from CDs - The interest earned from a CD is determined by the annual percentage rate (APY), which reflects total earnings after one year, factoring in the base interest rate and compounding frequency [3]. Example of Interest Calculation - For a $1,000 investment in a one-year CD with 1.7% APY, the balance at maturity would be $1,017.13, yielding $17.13 in interest [4]. - Conversely, a one-year CD with 4% APY would grow the balance to $1,040.74, resulting in $40.74 in interest [4]. Impact of Deposit Amount - Increasing the deposit amount in a CD significantly boosts potential earnings; for instance, a $10,000 deposit in a one-year CD at 4% APY would result in a total balance of $10,407.42, earning $407.42 in interest [5]. Types of CDs - Various types of CDs offer different benefits, which may involve accepting lower interest rates for added flexibility: - **Bump-up CD**: Allows one request for a higher interest rate if bank rates increase during the term [5]. - **No-penalty CD**: Enables early withdrawal without penalties [5]. - **Jumbo CD**: Requires a higher minimum deposit (typically $100,000 or more) and may offer higher rates, though the difference from traditional CDs may be minimal in the current environment [5]. - **Brokered CD**: Purchased through a brokerage, potentially offering higher rates or flexible terms, but may carry more risk and lack FDIC insurance [5].

Of course, consistently picking winning stocks isn’t easy. That’s why legendary investor Warren Buffett argues that most people don’t need to pick individual companies at all to benefit from the stock market’s long-term growth.The benchmark S&P 500 is up about 16% year to date and has gained roughly 86% over the past five years.The U.S. stock market has been a powerful engine of wealth creation. Trump has pointed to that strength, recently saying, “the only thing that’s really going up big? It’s the stock m ...

Find out which banks are offering the best CD rates right now. If you’re looking for a secure place to store your savings, a certificate of deposit (CD) may be a great choice. These accounts often provide higher interest rates than traditional checking and savings accounts. However, CD rates can vary widely. Learn more about where CD rates stand today and how to find the best rates available. Banks with the best CD rates today CD rates are relatively high compared to historical averages. That said, CD r ...

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 ...

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 ...