The average 12-month CD in America pays just 1.76% — but the top CDs hit 5.25% on October 22. On $10,000 locked for two years, that's over $700 in extra interest for the same money. The Fed decides October 28, so lock your rate before the decision — and always check the early-withdrawal penalty and the term first. Follow US Money Guide for daily money tips!
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Educational content, not financial advice.
