CD rates Blog

Wednesday, February 15, 2012 10:52 am
By Sheyna Steiner · Bankrate.com

In these dark days of negative real yields, CDs make good place to park cash for a set period of time and that’s about it. Not to understate, CDs can be a very valuable resource when return of principal is more important than return on principal, thanks to the deposit insurance from the Federal Deposit

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Monday, February 13, 2012 4:56 pm
By Claes Bell, CFA · Bankrate.com

A few weeks ago, I wrote about the multi-decade low in U.S. CD balances. As you can see in the chart below, researched by our own Chris Persaud, there’s little mystery to why that is. When the Federal Reserve lowers its key federal funds rate, CD rates dive. CD investors, in turn, refuse to roll

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Wednesday, February 8, 2012 12:31 pm
By Sheyna Steiner · Bankrate.com

On Tuesday, Bloomberg.com reported that the Financial Industry Regulatory Authority, or FINRA, has turned the spotlight on derivative-linked CD products. With no substantial yields to be found in conventional CDs and savings products, savers have looked high and low for safe investments with better returns. Unfortunately, there are no easy answers these days. Enter the

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Monday, February 6, 2012 2:45 pm
By Claes Bell, CFA · Bankrate.com

The drop in the national unemployment rate from 8.5 percent in December to 8.3 percent in January made big news nationwide, and seemed to a lot of folks to signify a solidified economic recovery. But if CD investors are hoping the stronger-than-expected employment report will cause the Fed to accelerate its timetable for a rate

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Wednesday, February 1, 2012 12:49 pm
By Sheyna Steiner · Bankrate.com

It’s no surprise that the tremendous volatility in the stock market has scared investors away from stocks. According to the Investment Company Institute, the trade association for domestic investment companies, in 2011 investors fled equity funds in droves — about $125 billion flowed out of stock mutual funds for the year. For some investors, particularly

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Monday, January 30, 2012 4:27 pm
By Claes Bell, CFA · Bankrate.com

It’s hard to overstate how grim things are in the CD market right now. CD balances hit a nearly three-decade low this week, falling to $750 billion, according to the Federal Reserve. That may seem like a lot, but the last time the total amount of money Americans held in “small-denomination time deposits,” Fed-speak for

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Wednesday, January 25, 2012 1:15 pm
By Sheyna Steiner · Bankrate.com

Dashing the hopes of CD buyers everywhere, the rate-setting committee of the Federal Reserve — the Federal Open Market Committee, FOMC, for short, — convened this week and declared that economic conditions could warrant “exceptionally low levels for the federal funds rate at least through late 2014.” As a result, barring astonishing economic growth, CD

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Monday, January 23, 2012 11:44 am
By Claes Bell, CFA · Bankrate.com

It’s not just your imagination; 2011 was an abysmal year for CD rates. A new study shows yields on deposit products dropped 21 basis points. Rates for mid-term CDs, or CDs with maturities between one and three years, were hit particularly hard. From Dan Geller at Market Rates Insight: Mid-term CDs, from one to three years, registered the second

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Wednesday, January 11, 2012 4:20 pm
By Sheyna Steiner · Bankrate.com

Interest rates are most likely to stay low for a long time. The Fed has plainly stated that short-term interest rates won’t go up until 2013 and there are some who are predicting that it could be even longer than that. To find out what will happen to rates in the coming year, read Bankrate’s

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Tags: CD, CD rates, CDs
Monday, January 9, 2012 3:51 pm
By Claes Bell, CFA · Bankrate.com

A credit freeze in Europe may mean higher CD rates for U.S. savers, according to a new report by Dan Geller of Market Rates Insight. Geller argues that borrowing costs in the European Union could rise significantly, pushing the London Interbank Offered Rate, the primary benchmark for short-term lending rates in Europe, higher. That, in

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