Don’t Wait for the Fed to Blink — Lock In These High Yields Now

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[[{“value”:”If you’ve been meaning to move your cash into a high-yield account or CD, this is your wake-up call. I’ve been writing about banks for years now and know how many people are just leaving money on the table.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 still in a golden window for savers, but it’s shrinking fast. Top high-yield savings accounts are paying up to about 5.00% APY, and 1-year CDs are hitting 4.25% or higher at some banks. These are the kinds of rates we haven’t seen in two decades. And once the Fed makes its next move, they’ll start to disappear.Why this matters right nowThe Federal Reserve has held interest rates steady for most of 2024 and into 2025. But the signals are clear — rate cuts are likely coming later this year.Once the Fed starts cutting, banks won’t waste time lowering what they pay on savings accounts. That means this moment where savers hold the upper hand won’t last.You don’t want to look back six months from now and wish you had moved sooner.CDs vs. savings accounts: Which should you pick?If you don’t need instant access to your cash, locking in a CD now could protect your yield longer. CDs offer guaranteed returns for anywhere from three months to as long as five or even 10 years, shielding you from the potential of falling rates.If you’re not sure where to start, we compile the best CD offers around so you don’t have to. Check out the best CD rates here.On the flip side, high-yield savings accounts give you flexibility, and the best ones still offer impressive APYs for now. If the Fed delays its cuts, you can still benefit longer term.Our team has put together some of the best high-yield savings account rates you can find. Check out that list here.Most people wait too long — don’t be one of themIt’s easy to miss windows like this because the shift doesn’t happen all at once. Rates dip a little, then a little more, and by the time you notice, you’ve lost your edge.Banks don’t send out alerts when they slash their savings rates. They just quietly do it.If you’ve got extra cash sitting in a checking account earning next to nothing, that’s dead weight. Even a few thousand dollars moved into a high-yield account now could mean real money by year-end without taking on any risk.The hardest part is just doing it. But once it’s done, your money’s finally pulling its weight.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”:”

If you’ve been meaning to move your cash into a high-yield account or CD, this is your wake-up call. I’ve been writing about banks for years now and know how many people are just leaving money on the table.

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 still in a golden window for savers, but it’s shrinking fast. Top high-yield savings accounts are paying up to about 5.00% APY, and 1-year CDs are hitting 4.25% or higher at some banks. These are the kinds of rates we haven’t seen in two decades. And once the Fed makes its next move, they’ll start to disappear.

Why this matters right now

The Federal Reserve has held interest rates steady for most of 2024 and into 2025. But the signals are clear — rate cuts are likely coming later this year.

Once the Fed starts cutting, banks won’t waste time lowering what they pay on savings accounts. That means this moment where savers hold the upper hand won’t last.

You don’t want to look back six months from now and wish you had moved sooner.

CDs vs. savings accounts: Which should you pick?

If you don’t need instant access to your cash, locking in a CD now could protect your yield longer. CDs offer guaranteed returns for anywhere from three months to as long as five or even 10 years, shielding you from the potential of falling rates.

On the flip side, high-yield savings accounts give you flexibility, and the best ones still offer impressive APYs for now. If the Fed delays its cuts, you can still benefit longer term.

Most people wait too long — don’t be one of them

It’s easy to miss windows like this because the shift doesn’t happen all at once. Rates dip a little, then a little more, and by the time you notice, you’ve lost your edge.

Banks don’t send out alerts when they slash their savings rates. They just quietly do it.

If you’ve got extra cash sitting in a checking account earning next to nothing, that’s dead weight. Even a few thousand dollars moved into a high-yield account now could mean real money by year-end without taking on any risk.

The hardest part is just doing it. But once it’s done, your money’s finally pulling its weight.

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