Today's best 18-month CD pays 4.30% APY at Marcus by Goldman Sachs, but with Fed policy steady in 2026 and hike odds rising, CD yields are still trending lower from earlier cuts.
The article says CD rates, which track the fed funds rate, have been trending lower after the Fed's cuts and are likely to slide further. With the Fed holding rates in 2026 and a hike growing more likely, the 2-year Treasury yield is caught between lower deposit-rate momentum and repricing of policy tightening.
Both CD pricing and front-end Treasury yields are tied to Fed policy expectations, so the Fed's 2026 pause and rising hike odds influence short-term yields.
Yes. If the Fed raises before year-end, front-end yields typically move higher, and CD rates may stabilize or follow after deposit costs adjust.
Marcus by Goldman Sachs is named as the source of today's top 18-month CD at 4.30% APY. The promotion may support deposit gathering at Goldman's consumer bank, but the article provides no earnings or growth figures, so the stock impact is minimal.
Marcus is listed as the institution offering today's highest CD rate, 4.30% APY on an 18-month term.
Unlikely. The article is a rate comparison, not an earnings or capital markets event, so the stock impact is minimal.
US CD rates are slipping after the Federal Reserve's easing cycle, but the top 18-month deal still pays 4.30% APY at Marcus by Goldman Sachs. The Fed has held rates steady in 2026 and markets now see a hike as more likely before year-end. Locking in current CD terms protects savers from further declines.
The Fed lowered its target rate three times in late 2024 and again in December 2025. Deposit rates follow the fed funds rate with a lag, so CD yields are still drifting lower even with the 2026 pause.
The article says the Fed has left rates unchanged so far in 2026 and that a rate increase is growing more likely before the end of the year.
The highest rate listed is 4.30% APY on an 18-month CD from Marcus by Goldman Sachs, with several online banks still paying 4% APY or more.