Nrog rau tom ntej no Tsoom Fwv Teb Chaws Reserve tus nqi txiav txim siab tsib hnub tam sim no, lub teb chaws sab saum toj muaj cov nqi rau daim ntawv pov thawj ntawm cov nyiaj tso cia (CDs) tau pom qhov zoo tshaj plaws ntawm stirrings hnub no. Rau cov ntawv pov thawj txij li 3 lub hlis mus rau 10 xyoo, tus nqi siab tshaj plaws hauv tebchaws tseem yog 5.50% APY - tus nqi tib yam nws tau ua txij li Lub Peb Hlis 3. Muab los ntawm Credit Human, lub koom haum qiv nyiaj thoob tebchaws, tus nqi ntawd muaj nyob rau ntawm 24-35 lub hlis nrog qhov tso nyiaj tsawg kawg yog $500.
Tab sis tus nqi siab tshaj plaws uas koj tuaj yeem khwv tau los ntawm cov tsev txhab nyiaj thoob tebchaws (piv txwv li, tsis suav nrog cov koomhaum qiv nyiaj) tau nce me ntsis hauv ob nqe lus. Qhov siab tshaj plaws-them 3-hli lub txhab nyiaj CD tam sim no yog 4.76% los ntawm TotalDirectBank nrog $ 25,000 qhov tso nyiaj tsawg kawg nkaus, tsis yog nag hmo tus nqi txhab nyiaj sab saum toj ntawm 4.75%.
Thiab nyob rau lub sijhawm 18 lub hlis, tam sim no koj tuaj yeem khwv tau 5.25% ntawm Forbright Bank ntawm lub sijhawm 12-17 lub hlis nrog $ 1,000 qhov tso nyiaj tsawg kawg nkaus. Nag hmo tus nqi txhab nyiaj sab saum toj rau 18 lub hlis CD yog 5.00%.
Tus nqi ntawm jumbo CDs, lub sijhawm no, cim lub sijhawm, nrog hnub no qhov zoo tshaj plaws jumbo rov qab los ntawm 5.25%, uas koj tuaj yeem khwv tau los ntawm Finworth ntawm 12-hli lossis 18-hli daim ntawv pov thawj. Ob leeg xav tau $ 50,000 qhov tso nyiaj tsawg kawg nkaus.
Lub rooj sib tham tom ntej ntawm Fed pawg neeg teeb tsa tus nqi yuav xaus rau hnub Wednesday, thiab txawm hais tias qhov kev cia siab rau lub lim tiam dhau los yog tias nws yuav nce tsoomfwv cov peev nyiaj rau lwm tus 0.25 txog 0.50 feem pua cov ntsiab lus txuas ntxiv rau nws cov davhlau tiv thaiv kev nce nqi, tsis ntev los no high-profile bank tsis ua tiav yuav luag. yeej cuam tshuam qhov kev ua ntawd. Nrog ntau lub txhab nyiaj tsis ua hauj lwm xov xwm nyob rau ob hnub dhau los, tsuas yog kwv yees li 60 feem pua ntawm cov neeg saib xyuas kev lag luam kwv yees Fed hike ntawm 25 lub hauv paus ntsiab lus, thaum 40 feem pua ntawm kev twv peb yuav pom tsis muaj kev nce ntxiv ntawm lub rooj sib tham no.
| CD Term | Nag hmo tus nqi siab tshaj hauv tebchaws | Hnub no Lub Tebchaws Tshaj Tawm | Hnub Hloov (feem pua cov ntsiab lus) |
|---|---|---|---|
| 3 lub hlis | 5.00% PAB | 5.00% PAB | Tsis hloov |
| 6 lub hlis | 5.00% PAB | 5.00% PAB | Tsis hloov |
| 1 xyoo | 5.25% PAB | 5.25% PAB | Tsis hloov |
| 18 lub hlis | 5.25% PAB | 5.25% PAB | Tsis hloov |
| 2 xyoo | 5.50% PAB | 5.50% PAB | Tsis hloov |
| 3 xyoo | 5.50% PAB | 5.50% PAB | Tsis hloov |
| 4 xyoo | 5.00% PAB | 5.00% PAB | Tsis hloov |
| 5 xyoo | 5.00% PAB | 5.00% PAB | Tsis hloov |
| 10 xyoo | 4.30% PAB | 4.30% PAB | Tsis hloov |
| CD Term | Niaj hnub no tus Top National Bank Rate | Hnub no Lub Tebchaws Cov Nyiaj Txiag Siab Tshaj Lij Tshaj Tawm | Hnub no Lub Tebchaws Jumbo Rate |
|---|---|---|---|
| 3 lub hlis | 4.76% PAB | 5.00% PAB | 3.80% PAB |
| 6 lub hlis | 5.00% PAB | 5.00% PAB | 4.90% PAB |
| 1 xyoo | 5.25% PAB | 5.05% PAB | 5.25% PAB |
| 18 lub hlis | 5.25% PAB | 5.25% PAB | 5.25% PAB |
| 2 xyoo | 4.75% PAB | 5.50% PAB | 4.70% PAB |
| 3 xyoo | 4.60% PAB | 5.50% PAB | 4.80% PAB |
| 4 xyoo | 4.65% PAB | 5.00% PAB | 4.85% PAB |
| 5 xyoo | 4.70% PAB | 5.00% PAB | 5.05% PAB |
| 10 xyoo | 4.10% PAB | 4.30% PAB | tsis muaj leej twg |
Nco ntsoov tias "cov nqi siab tshaj" tau hais los ntawm no yog cov nqi siab tshaj plaws hauv tebchaws Investopedia tau txheeb xyuas hauv nws cov kev tshawb fawb txhua hnub ntawm ntau pua lub tsev txhab nyiaj thiab cov koomhaum qiv nyiaj. Qhov no txawv ntau dua li qhov nruab nrab hauv lub tebchaws, uas suav nrog txhua lub tsev txhab nyiaj muab CD nrog lub sijhawm ntawd, suav nrog ntau lub tsev txhab nyiaj loj uas them tus nqi paj. Yog li, lub teb chaws qhov nruab nrab ib txwm qis heev, thaum cov nqi siab tshaj plaws uas koj tuaj yeem nrhiav tau los ntawm kev yuav khoom ib puag ncig feem ntau yog 5, 10, lossis 15 npaug siab dua.
Nco ntsoov tias "cov nqi siab tshaj" tau hais los ntawm no yog cov nqi siab tshaj plaws hauv tebchaws Investopedia tau txheeb xyuas hauv nws cov kev tshawb fawb txhua hnub ntawm ntau pua lub tsev txhab nyiaj thiab cov koomhaum qiv nyiaj. Qhov no txawv ntau dua li qhov nruab nrab hauv lub tebchaws, uas suav nrog txhua lub tsev txhab nyiaj muab CD nrog lub sijhawm ntawd, suav nrog ntau lub tsev txhab nyiaj loj uas them tus nqi paj. Yog li, lub teb chaws qhov nruab nrab ib txwm qis heev, thaum cov nqi siab tshaj plaws uas koj tuaj yeem nrhiav tau los ntawm kev yuav khoom ib puag ncig feem ntau yog 5, 10, lossis 15 npaug siab dua.
Rate Collection Methodology Qhia tawm
Txhua hnub ua lag luam, Investopedia taug qab cov ntaub ntawv tus nqi ntawm ntau dua 200 lub tsev txhab nyiaj thiab cov koomhaum qiv nyiaj uas muab CDs rau cov neeg siv khoom thoob tebchaws, thiab txiav txim siab txhua hnub ntawm cov ntawv pov thawj them nyiaj siab tshaj hauv txhua lub sijhawm loj. Yuav kom tsim nyog rau peb cov npe, lub tsev kawm ntawv yuav tsum muaj kev pov hwm los ntawm tsoomfwv (FDIC rau cov tsev txhab nyiaj, NCUA rau cov koomhaum qiv nyiaj), thiab CD qhov tsawg kawg nkaus tso nyiaj yuav tsum tsis pub tshaj $ 25,000.
Cov tsev txhab nyiaj yuav tsum muaj nyob hauv tsawg kawg 40 lub xeev. Thiab thaum qee lub koom haum qiv nyiaj xav kom koj pub dawb rau ib lub koom haum tshwj xeeb lossis koom haum los ua tswv cuab yog tias koj tsis ua raws li lwm yam kev tsim nyog (xws li, koj tsis nyob hauv ib cheeb tsam lossis ua haujlwm hauv qee yam haujlwm), peb tsis suav cov koom haum qiv nyiaj uas nws qhov kev xav tau pub dawb yog $40 lossis ntau dua. Yog xav paub ntxiv txog yuav ua li cas peb xaiv tus nqi zoo tshaj plaws, nyeem peb cov txheej txheem tag nrho.
Tau qhov twg los: https://www.investopedia.com/top-cd-rates-today-march-17-7368619?utm_campaign=quote-yahoo&utm_source=yahoo&utm_medium=referral&yptr=yahoo