Are CD rates expected to go down in 2026?
CD rates have largely been stabilizing or trending downward following cumulative rate cuts by the Federal Reserve implemented through late 2024 and 2025. While the benchmark federal funds rate held relatively steady during the early months of 2026, keeping short-term promotional yields hovering around 4% at select online banks and credit unions, broader consensus points to downward pressure on yields if macroeconomic easing resumes. Savers continue to monitor central bank announcements closely to lock in favorable fixed terms before any widespread rate contractions materialize.
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