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Secure High Yields Now: CD Rates Set to Drop

4/2/2025

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Summary

Story summary

As of April 2025, 5-year CD rates range from 3.55% to 4.15% APY, primarily from online banks and credit unions.
Money market accounts yield up to 4.89%, well above the national average of 0.54%.
Experts foresee slight declines in CD rates due to Federal Reserve policies, advising consumers to secure higher rates now.
High-yield savings accounts offer rates up to 5.84%, with online banks leading in competitive yields.

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Story summary

As of April 2025, 5-year CD rates range from 3.55% to 4.15% APY, primarily from online banks and credit unions.
Money market accounts yield up to 4.89%, well above the national average of 0.54%.
Experts foresee slight declines in CD rates due to Federal Reserve policies, advising consumers to secure higher rates now.
High-yield savings accounts offer rates up to 5.84%, with online banks leading in competitive yields.