Tarra Jackson

[[{“value”:”The Federal Reserve’s next meeting is scheduled for June 17-18, and most signs point to no change in interest rates — for now. According to the CME FedWatch Tool, futures traders see a 99% chance that the Fed will keep rates unchanged at its next meeting.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. That means while CD rates probably won’t drop immediately, they could start slipping soon — especially if the Fed hints that cuts are coming later this year.Here’s why now may be the time to lock in a top CD rate.CD rates move with the federal funds rateCDs tend to follow the Fed’s direction. When the Fed raises or lowers its benchmark rate, banks typically adjust CD rates by a similar amount. If rate cuts are on the horizon, CD yields may fall too, sometimes even before cuts happen.Right now, short-term CDs (12 months or less) are offering some of the best returns, with APYs as high as 4.60%. These rates are still near the highest we’ve seen in years, but they may not stick around for long — which means now is the time to invest.Want to start earning today? Check out our full list of the best CD rates available now.Waiting could cost youEven if the Fed holds rates steady this month, many still expect rate cuts later this year. That gives banks a reason to start trimming CD rates early — and some already have.Waiting too long could mean missing out on today’s high yields. Unlike high-yield savings accounts, which can change rates at any time, a CD locks in your APY for the full term. That can be a smart hedge if you expect rates to fall.So if you’re sitting on extra cash and want a safe return, this is your window to act.Who should open a CD and why?CDs make the most sense if you have extra cash you won’t need right away and are looking for a safe, guaranteed return. They’re ideal for savers who value stability and don’t need immediate access to their funds.You might want to open a CD if:You’re saving for a short- or medium-term goal. CDs work well for goals within a six-month to five-year window, like a vacation, wedding, or car purchase.You want a fixed, guaranteed rate. Unlike savings accounts, CDs lock in your rate, protecting you from future rate drops.You’re risk-averse. CDs are FDIC insured up to $250,000 per bank, per depositor. Your money is safe and guaranteed to grow.You already have an emergency fund. CDs charge penalties if you withdraw early, so they’re best for money you can leave untouched until the term ends.If that sounds like you, opening a CD today could be a smart move.Open a CD now before rates start droppingThe Fed’s June meeting probably won’t bring a rate cut, but it could set the stage for one later this year. And once that shift begins, CD rates are likely to fall in kind.Want to secure your return? Open a top-paying CD today and lock in your rate before it’s gone.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

The Federal Reserve’s next meeting is scheduled for June 17-18, and most signs point to no change in interest rates — for now. According to the CME FedWatch Tool, futures traders see a 99% chance that the Fed will keep rates unchanged at its next meeting.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

That means while CD rates probably won’t drop immediately, they could start slipping soon — especially if the Fed hints that cuts are coming later this year.

Here’s why now may be the time to lock in a top CD rate.

CD rates move with the federal funds rate

CDs tend to follow the Fed’s direction. When the Fed raises or lowers its benchmark rate, banks typically adjust CD rates by a similar amount. If rate cuts are on the horizon, CD yields may fall too, sometimes even before cuts happen.

Right now, short-term CDs (12 months or less) are offering some of the best returns, with APYs as high as 4.60%. These rates are still near the highest we’ve seen in years, but they may not stick around for long — which means now is the time to invest.

Waiting could cost you

Even if the Fed holds rates steady this month, many still expect rate cuts later this year. That gives banks a reason to start trimming CD rates early — and some already have.

Waiting too long could mean missing out on today’s high yields. Unlike high-yield savings accounts, which can change rates at any time, a CD locks in your APY for the full term. That can be a smart hedge if you expect rates to fall.

So if you’re sitting on extra cash and want a safe return, this is your window to act.

Who should open a CD and why?

CDs make the most sense if you have extra cash you won’t need right away and are looking for a safe, guaranteed return. They’re ideal for savers who value stability and don’t need immediate access to their funds.

You might want to open a CD if:

• You’re saving for a short- or medium-term goal. CDs work well for goals within a six-month to five-year window, like a vacation, wedding, or car purchase.
• You want a fixed, guaranteed rate. Unlike savings accounts, CDs lock in your rate, protecting you from future rate drops.
• You’re risk-averse. CDs are FDIC insured up to $250,000 per bank, per depositor. Your money is safe and guaranteed to grow.
• You already have an emergency fund. CDs charge penalties if you withdraw early, so they’re best for money you can leave untouched until the term ends.

If that sounds like you, opening a CD today could be a smart move.

Open a CD now before rates start dropping

The Fed’s June meeting probably won’t bring a rate cut, but it could set the stage for one later this year. And once that shift begins, CD rates are likely to fall in kind.

Want to secure your return? Open a top-paying CD today and lock in your rate before it’s gone.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Want to boost your credit score and get your hands on some VIP travel perks? You’re in luck.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Qualifying for a high-limit credit card can help you do both — without spending a dollar more than you already are.Here’s what you can expect from getting a high-limit card, and how to make the most of it.Your credit score gets a quiet little boostThe first cool thing about high-limit credit cards is they can lower your credit utilization ratio. This super important factor makes up 30% of your credit score.Credit utilization is basically how much of your total available credit limit you’re using. If you get a new card with a higher limit, but your spending habits stay the same, you’re instantly using a much smaller percentage of your available credit.That’s a signal to lenders that you’re managing credit well with a lower utilization.Here’s a quick example:Current card: Let’s say you have a credit limit of $5,000, and your typical monthly balance is $2000. That’s a utilization ratio of 40% (yikes!).New high-limit card: If you get approved for a card with a $15,000 limit, and keep your same spending level at around $2,000 on average, your utilization drops to around 13% (nice!).That shift alone could nudge your score upward within a few months, assuming you keep up on payments.Some cards offer limits up to $50,000, or even higher. This can bring your utilization ratio into single digits. Explore all the best high-limit credit cards here, and pick the one that best suits your lifestyle.You gain access to premium perks and better protectionsMany travel rewards cards offer high credit limits. And these tend to come with better benefits, especially for travel. These might include:Annual travel credits (can be $50 to over $400)Access to airport lounges and hotel statusHigher cash back or point multipliers on spendingTravel insurance and purchase protection24/7 concierge or customer servicePersonally, I use this high-limit travel rewards card. Not only is it my go-to travel card for earning points, but I just requested a limit increase and got approved for $23,000 (and it can still go way higher than that).You’ll have more flexibility (and more responsibility)It can feel great having a higher credit limit. Just knowing you’ve got that extra safety net for emergencies relieves a bit of stress and makes you feel more confident.But just because you’re able to spend more, that doesn’t mean you should! If high limits are abused, you might rack up debt that will be incredibly tough to repay.Credit card debt is not cool. No matter your approved limit, never spend more than you can pay off.The bottom lineWhen you get a high-limit credit card, you can immediately improve your utilization ratio and get access to some wicked perks.These perks can save you money while traveling, and you’ll have extra flexibility to make big purchases or emergencies less stressful.Just remember to keep your habits smart.Ready to boost your credit potential and tap into better benefits? Compare today’s top-rated cards and find the right fit for you.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Want to boost your credit score and get your hands on some VIP travel perks? You’re in luck.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Qualifying for a high-limit credit card can help you do both — without spending a dollar more than you already are.

Here’s what you can expect from getting a high-limit card, and how to make the most of it.

Your credit score gets a quiet little boost

The first cool thing about high-limit credit cards is they can lower your credit utilization ratio. This super important factor makes up 30% of your credit score.

Credit utilization is basically how much of your total available credit limit you’re using. If you get a new card with a higher limit, but your spending habits stay the same, you’re instantly using a much smaller percentage of your available credit.

That’s a signal to lenders that you’re managing credit well with a lower utilization.

Here’s a quick example:

• Current card: Let’s say you have a credit limit of $5,000, and your typical monthly balance is $2000. That’s a utilization ratio of 40% (yikes!).
• New high-limit card: If you get approved for a card with a $15,000 limit, and keep your same spending level at around $2,000 on average, your utilization drops to around 13% (nice!).

That shift alone could nudge your score upward within a few months, assuming you keep up on payments.

Some cards offer limits up to $50,000, or even higher. This can bring your utilization ratio into single digits. Explore all the best high-limit credit cards here, and pick the one that best suits your lifestyle.

You gain access to premium perks and better protections

Many travel rewards cards offer high credit limits. And these tend to come with better benefits, especially for travel. These might include:

• Annual travel credits (can be $50 to over $400)
• Access to airport lounges and hotel status
• Higher cash back or point multipliers on spending
• Travel insurance and purchase protection
• 24/7 concierge or customer service

Personally, I use this high-limit travel rewards card. Not only is it my go-to travel card for earning points, but I just requested a limit increase and got approved for $23,000 (and it can still go way higher than that).

You’ll have more flexibility (and more responsibility)

It can feel great having a higher credit limit. Just knowing you’ve got that extra safety net for emergencies relieves a bit of stress and makes you feel more confident.

But just because you’re able to spend more, that doesn’t mean you should! If high limits are abused, you might rack up debt that will be incredibly tough to repay.

Credit card debt is not cool. No matter your approved limit, never spend more than you can pay off.

The bottom line

When you get a high-limit credit card, you can immediately improve your utilization ratio and get access to some wicked perks.

These perks can save you money while traveling, and you’ll have extra flexibility to make big purchases or emergencies less stressful.

Just remember to keep your habits smart.

Ready to boost your credit potential and tap into better benefits? Compare today’s top-rated cards and find the right fit for you.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More