当前CD利率概况 - 当前经济环境下，长期存单利率低于短期存单，与历史模式相反 [2] - 截至2025年10月5日，市场最高利率为高盛马库斯提供的14个月存单，年化收益率为4.10% [2] 存单收益计算 - 存单收益取决于年化收益率，该指标包含了基础利率和复利频率的影响 [3] - 以1000美元投资一年期存单为例，1.70%年化收益率每月复利，到期后可获得17.13美元利息，总余额为1017.13美元 [4] - 同等条件下，若年化收益率为4%，则可获得40.74美元利息，总余额增至1040.74美元 [4] - 投资金额越大，收益越高，例如10000美元投资于4%年化收益率的存单，到期可获得407.42美元利息，总余额为10407.42美元 [5] 存单产品类型 - 除传统存单外，市场存在多种具有不同灵活性的产品类型，可能伴随利率的略微降低 [5] - 可涨息存单允许在银行利率上升时申请一次利率上调 [5] - 无罚金存单提供到期前提取资金而无需支付罚金的选项 [5] - 大额存单通常要求10万美元或以上的最低存款，并可能提供更高利率，但当前与传统存单利差可能不大 [5] - 经纪存单通过经纪商购买，可能提供更高利率或更灵活条款，但风险较高且可能无FDIC保险 [5]

Find out how much you could earn by locking in a high CD rate today. A certificate of deposit (CD) allows you to lock in a competitive rate on your savings and help your balance grow. However, rates vary widely across financial institutions, so it’s important to ensure you’re getting the best rate possible when shopping around for a CD. The following is a breakdown of CD rates today and where to find the best offers. Overview of CD rates today Historically, longer-term CDs offered higher interest rates t ...

Find out how much you could earn by locking in a high CD rate today. A certificate of deposit (CD) allows you to lock in a competitive rate on your savings and help your balance grow. However, rates vary widely across financial institutions, so it’s important to ensure you’re getting the best rate possible when shopping around for a CD. The following is a breakdown of CD rates today and where to find the best offers. Overview of CD rates today Historically, longer-term CDs offered higher interest rates t ...