Apple (AAPL) stock rebounded from its worst 4-day stretch since 2000 on Wednesday as investors bought the dip in big tech stocks.
Apple shares were up 5% in recent trading, leading a rebound for the Magnificent Seven stocks after days of being hammered by President Trump’s sweeping tariffs.
Apple lost its title of the world’s most valuable company to Microsoft (MSFT) when shares fell 5% yesterday, putting the stock down nearly 25% since Trump’s “Liberation Day” tariff announcement last Wednesday. Wednesday’s rebound put the two companies neck-and-neck in terms of market value, with each hovering around $2.68 trillion. Read Investopedia’s live coverage of today’s trading here.
Apple’s reliance on China, where it assembles an estimated 90% of its products, is expected to be a headwind for the iPhone maker. The Trump administration has hit Chinese goods with tariffs totaling 104% this year, threatening to significantly increase Apple’s costs and potentially weigh on consumer demand. Apple won an exemption from the first Trump administration during its 2018 trade war with China, but no such reprieve has materialized this time around.
The company is reportedly planning to send more iPhones to the U.S. via India, which as of Wednesday is subject to a 26% tariff rate. Apple, in an effort to diversify its supply chain, has been ramping up its manufacturing and assembly operations in India for years.
Bank of America on Monday maintained its “buy” rating on Apple stock, citing its stable cash flows, “earnings resiliency,” and potential to benefit from AI. The firm’s $250 price target represents 45% upside from Tuesday’s close.
In a separate note on Tuesday, BofA analysts called Apple stock’s pullback “a particularly enhanced buying opportunity for investors to own a high-quality name.”
Every Thursday, Freddie Mac, a government-sponsored buyer of mortgage loans, publishes a weekly average of 30-year mortgage rates. Last week’s reading inched down a single basis point to 6.64%. Last September, the average sank as far as 6.08%. But back in October 2023, Freddie Mac’s average saw a historic rise, surging to a 23-year peak of 7.79%.
Freddie Mac’s average differs from what we report for 30-year rates because Freddie Mac calculates a weekly average that blends five previous days of rates. In contrast, our Investopedia 30-year average is a daily reading, offering a more precise and timely indicator of rate movement. In addition, the criteria for included loans (e.g., amount of down payment, credit score, inclusion of discount points) varies between Freddie Mac’s methodology and our own.
Calculate monthly payments for different loan scenarios with our Mortgage Calculator.
Important
The rates we publish won’t compare directly with teaser rates you see advertised online since those rates are cherry-picked as the most attractive vs. the averages you see here. Teaser rates may involve paying points in advance or may be based on a hypothetical borrower with an ultra-high credit score or for a smaller-than-typical loan. The rate you ultimately secure will be based on factors like your credit score, income, and more, so it can vary from the averages you see here.
What Causes Mortgage Rates to Rise or Fall?
Mortgage rates are determined by a complex interaction of macroeconomic and industry factors, such as:
The level and direction of the bond market, especially 10-year Treasury yields
The Federal Reserve’s current monetary policy, especially as it relates to bond buying and funding government-backed mortgages
Competition between mortgage lenders and across loan types
Because any number of these can cause fluctuations simultaneously, it’s generally difficult to attribute the change to any one factor.
Macroeconomic factors kept the mortgage market relatively low for much of 2021. In particular, the Federal Reserve had been buying billions of dollars of bonds in response to the pandemic’s economic pressures. This bond-buying policy is a major influencer of mortgage rates.
But starting in November 2021, the Fed began tapering its bond purchases downward, making sizable reductions each month until reaching net zero in March 2022.
Between that time and July 2023, the Fed aggressively raised the federal funds rate to fight decades-high inflation. While the fed funds rate can influence mortgage rates, it doesn’t directly do so. In fact, the fed funds rate and mortgage rates can move in opposite directions.
But given the historic speed and magnitude of the Fed’s 2022 and 2023 rate increases—raising the benchmark rate 5.25 percentage points over 16 months—even the indirect influence of the fed funds rate has resulted in a dramatic upward impact on mortgage rates over the last two years.
The Fed maintained the federal funds rate at its peak level for almost 14 months, beginning in July 2023. But in September, the central bank announced a first rate cut of 0.50 percentage points, and then followed that with quarter-point reductions in November and December.
For its second meeting of 2025, however, the Fed opted to hold rates steady—and it’s possible the central bank may not make another rate cut for months. At their March 19 meeting, the Fed released its quarterly rate forecast, which showed that, at that time, the central bankers’ median expectation for the rest of the year was just two quarter-point rate cuts. With a total of eight rate-setting meetings scheduled per year, that means we could see multiple rate-hold announcements in 2025.
The US has implemented its steepest tariffs on trade partners in over a century, with rates varying significantly across regions. The most striking development is the 104% tariff imposed on Chinese goods, signalling a major escalation in trade tensions. If these measures remain in place, they could effectively isolate the world’s two largest economies from one another. But this trade war is not just about tariffs; it reflects a broader geopolitical rivalry that could reshape global trade dynamics for years to come. Wild swings in markets continue as traders grapple with pricing the impact of a the conflict.
Tariffs kick in, confidence in US assets eroded
George Vessey – Lead FX & Macro Strategist
The ‘sell America’ narrative is gaining traction once more, with US equities and Treasuries facing renewed pressure. This creates a challenging environment for the dollar. US assets are being hit hard as the 104% China tariffs take effect, and without signs of de-escalation, the dollar is likely to weaken further.
Hopes for market stability were short-lived yesterday. The 4% rebound in the S&P 500 evaporated to end with a loss of 1.6% – its biggest U-turn since at least 1978. The tech-heavy Nasdaq suffered its biggest blowdown since at least 1982 – falling deeper into bear market territory. The VIX fear index closed above 50 for the first time in over four years and is now almost four standard deviations above the long-term average. This marks a level of volatility most recently seen in 2020 (pandemic) and 2008 (GFC). Oil prices have also sunk to fresh 4-year lows on global growth and demand concerns.
The selloff in longer-dated Treasuries also gained momentum, with the US 10-year yield climbing above 4.5% and the 30-year yield briefly surpassing 5%. Investors appear to be stepping away from what was once considered the world’s safest asset, driven by expectations of weakening foreign demand as tariffs take hold. If the current pace of these bond moves persists, it could prompt central banks, including the Federal Reserve, to reassess their positions, even amid lingering concerns about persistent inflation pressures.
What’s up with Mar-a-Lago?
Kevin Ford – FX & Macro Strategist
We’ve been cautious about weighing in on the Mar-a-Lago Accord, a proposed framework by Stephen Miran, current chair of the Council of Economic Advisers, aimed at restructuring the global trading system—a proposal that has sparked keen interest and speculation within financial circles.
While the plan remains questionable, somewhat incongruent, and lacking a solid foundation in today’s geopolitical realities, it no longer feels like a long shot. Some of its key propositions are already unfolding in the current market landscape. Additionally, the current administration appears to be welcoming the recent dollar weakness—a notable departure from Trump 45’s tenure, during which the dollar strengthened amidst the U.S.-China trade war.
The accord proposes devaluing the U.S. dollar to boost exports while maintaining its status as the world’s reserve currency. These objectives are inherently at odds, as a weaker dollar could undermine its global reserve status. While the accord suggests that tariffs would not significantly impact U.S. prices, historical evidence, including Miran’s own examples, indicates that tariffs often lead to higher prices for both imported and domestic goods. The plan oscillates between using tariffs as temporary pressure tactics and as a permanent revenue source, creating ambiguity about their true purpose.
Also, by shielding domestic industries with tariffs, the accord risks reducing the pressure on American companies to innovate and improve, potentially harming long-term competitiveness. Finally, the plan’s unilateral approach to currency adjustments and trade policies isn’t grounded in geopolitical feasibility, making it difficult to achieve the intended global economic reordering.
What we’re witnessing in the markets may align closely with the plan’s primary objectives for America. The administration’s push for a weaker dollar, lower interest rates, and reduced yields appears to be yielding results. However, this progress comes at the expense of credibility in U.S. policymaking, with potential unintended economic repercussions that could reverberate through the U.S. economy and stock markets, directly impacting Americans.
Turbulence to persist in FX
George Vessey – Lead FX & Macro Strategist
In FX, currency traders are positioning for turbulence to get even worse with hedging costs to protect against large swings surging. The dollar’s status as a post-pandemic safe haven is unravelling under the weight of President Trump’s tariffs, which risk triggering stagflation in the US economy. These measures are also undermining the narrative of US exceptionalism that has shaped the investment landscape for decades.
Meanwhile, China has set its currency at its weakest since 2007. the offshore yuan is a record lows. The safe haven Swiss franc remains the top haven of choice in the FX market. But Swiss officials will be eying this closely with rate cuts and FX intervention measures up their sleeve to rein in the currency. Antipodeans remain vulnerable – the Aussie and Kiwi dollars near multi-year lows.
While there were hints that President Trump might consider tariff deals, the path to negotiations remains fraught. Globally, investors are increasingly anxious about potential cracks in the financial system amid heightened volatility. This uncertainty has sparked speculation that the Fed may need to accelerate rate cuts to stabilize the situation.
Meanwhile, flying under the radar but still important to note – small US businesses foresee business conditions worsening ahead, a result of domestic and global policy choices. The NFIB’s small-business optimism index fell more than expected in March. A drop in business conditions and sales expectations was mostly behind the headline decline. Ultimately, uncertainty remains too high for small businesses to plan ahead.
Euro surges again
George Vessey – Lead FX & Macro Strategist
EUR/USD has shot back above $1.10 today and is now up 10% from March lows. Momentum looks to be in the euro’s favour and we wouldn’t be surprised to see $1.12 trade soon given the price action over the last few days. Options markets are sending mixed signals though, with one-week risk reversals still leaning euro-bullish, but moving sharply lower versus a week ago.
The euro’s high liquidity continues to shield it from the heightened volatility seen in high beta G10 peers. As the second most liquid global currency, the euro is enjoying a surge of increased flows as traders dump the dollar. It stands as a favored alternative for FX reserves. meanwhile, the lack of stresses showing up in USD funding markets may also be a sign that investors are much less eager to pile into dollars this time round.
While the European Union has expressed readiness to negotiate tariff-free options with the US, such discussions are likely to take time. In the meantime, the EU is proceeding with measured retaliation against US tariffs, including 25% duties on various US products. A vote on such measures is expected today.
Sterling caught in the crossfire
George Vessey – Lead FX & Macro Strategist
Amidst the broad-based dollar weakness, GBP/USD is back above $1.28, bouncing of its 50-day moving average this week. However, the euro’s strength has dragged GBP/EUR to fresh 6-month lows, with the pair fighting to stay afloat the €1.16 handle.
There may be scope for a more protracted recovery in the likes of GBP/USD as investors continue to shun US assets, though we’re unsure whether it has legs to, or if the pound is attractive enough in this environment to allow the $1.32 peak of this year to trade again any time soon. There are dislocations aplenty across financial markets, most strikingly between bonds and FX. The pain is most pronounced in the 30-year space, where gilt yields rose as much as 16 basis points to 5.51%, the highest since 1998. Two-year yields are dropping though, pushing the 2-, 30-year spread above 150 basis points for the first time since 2017.
Cutting through the noise, rate differentials suggests the current $1.28-$1.29 is fair value at present. Markets are pricing in more rate cuts by the Bank of England this year – but to pick up the pace of easing the BoE would likely need to see inflation moderate below its February forecasts.
As for sterling versus the euro, the pair has dropped for four days straight – with a cumulative decline of over 3% despite rate differentials pointing to €1.19 fair value. The pair is heavily oversold on the daily relative strength index, meaning it may be unwise to chase the trend much lower from here.
*The FX rates published are provided by Convera’s Market Insights team for research purposes only. The rates have a unique source and may not align to any live exchange rates quoted on other sites. They are not an indication of actual buy/sell rates, or a financial offer.
The brokerage industry has evolved rapidly over the past decade, driven by fintech innovation, increased demand for financial access, and growing interest in digital asset markets. In this climate, launching a trading platform from scratch can be prohibitively expensive and time-consuming, especially for new entrants.
White label trading platforms are a practical, cost-effective solution for brokers looking to enter or expand within the market. These platforms provide a ready-made infrastructure that can be fully branded and tailored to the needs of each business, accelerating time-to-market without compromising quality or performance.
Why white label platforms continue to gain momentum
Today’s traders expect high-speed execution, intuitive interfaces, access to multiple asset classes, and seamless mobile functionality. For brokers, delivering all of this independently is a tall order.
White label solutions fill this gap by offering brokers a complete toolkit: a core trading engine, client portals, risk controls, reporting dashboards, and more—all pre-built and tested. This enables brokerages to focus on branding, customer acquisition, and strategic growth instead of technical development.
Beyond speed and convenience, white label platforms allow brokers to scale more effectively. Many come with modular architectures, making it easier to upgrade features, add asset classes, or integrate third-party tools as the business grows.
Building on trusted technology
White label platforms are often developed by established technology providers with years of experience in trading systems, such as Interactive Brokers, B2BROKER, Leverate, and many others. The background brings a level of security, performance reliability, and regulatory alignment that would be difficult to replicate in-house.
In many cases, providers offer continuous updates, technical support, and integration assistance. These elements reduce operational risk and give brokers the confidence to pursue new markets without overextending internal teams.
Security, in particular, has become a top priority. The best platforms include advanced data protection mechanisms, encryption protocols, and compliance-ready features built directly into the architecture.
Tailoring the platform to your business
Customisation is a key advantage of modern white label solutions. Brokers can adjust everything from the platform interface and user experience to back-office workflows and trading conditions.
This degree of adaptability enables brokerages to stand out in crowded markets. Whether your focus is on institutional clients, retail traders, or specialized asset classes, a white label platform can be customized to align with your strategic objectives.
Certain platforms provide dynamic user interface customization, language localization, and access controls based on roles, enhancing the personalized experience for both clients and internal teams.
Navigating integration and scalability
A white label platform should fit seamlessly into your existing ecosystem. Integration with CRM tools, liquidity providers, KYC modules, and payment gateways is essential for smooth day-to-day operations.
Scalability is crucial as well. When trade volume rises or your client base expands, the platform must stay stable and responsive. Modern technologies such as cloud infrastructure and containerization allow platforms to scale dynamically, ensuring no downtime or performance issues loss.
Another key area of focus is multi-asset capabilities. Today, platforms that enable trading in Forex, cryptocurrencies, equities, commodities, and derivatives through a single interface help brokers reach a wider audience and provide a cohesive trading experience.
Regulatory considerations
Starting a brokerage demands adherence to various global and local regulations. A white label platform ought to assist with your regulatory requirements by offering integrated tools for identity verification, transaction monitoring, audit logging, and data protection.
Leading platforms also provide jurisdiction-specific settings and documentation templates to help brokers meet licensing requirements across multiple regions.
Collaborating with a technology provider known for its solid compliance record lowers legal and operational risks, facilitating international expansion.
The role of UX and mobile in broker success
User experience is now a defining factor in client retention. Platforms must be intuitive, responsive, and accessible across devices. Traders want to switch seamlessly between desktop, web, and mobile apps without losing features or functionality.
A mobile-first design strategy is now a requirement, not a choice. Features like real-time notifications, biometric login, and streamlined charting tools are essential; the mobile trading experience should uphold the same standards as desktop platforms.
Consistent branding across all user interfaces also contributes to trust and professionalism, which are especially important for newer brokers building their reputation.
Looking ahead: Future trends in white label platforms
Several trends are shaping the next generation of white label platforms.
Cloud-native deployment is becoming the norm, allowing for more agile infrastructure, faster updates, and lower overhead. At the same time, artificial intelligence is being integrated to enhance everything from trade execution and analytics to customer service automation.
The integration of decentralised finance (DeFi) is increasing, especially among brokers of crypto assets. Many platforms now facilitate tokenised assets, on-chain settlements, and smart contract implementations, creating fresh avenues for innovation.
The features of social trading and copy trading are becoming increasingly popular, particularly with younger investors. White label solutions that promote influencer-led strategies and foster community involvement will be more appealing to today’s traders.
Final thoughts
Launching a trading platform doesn’t have to mean starting from zero. White label technology offers a fast, cost-effective, and scalable way to bring a brokerage to market, with full control over branding and client experience.
The secret is selecting a platform that fulfills your present requirements while also preparing you for future expansion. This encompasses technical dependability, regulatory compliance, and adaptability to shifting markets and client demands.
In an environment where technology and trust go hand in hand, choosing the right white label partner provides the essential groundwork required to create, expand, and maintain a thriving brokerage.
Disclaimer: This is a sponsored article. The views and opinions presented in this article do not necessarily reflect the views of CoinCheckup. The content of this article should not be considered as investment advice. Always do your own research before deciding to buy, sell or transfer any crypto assets.
Shares of Cal-Maine Foods fell 5% in premarket trading Wednesday, a day after the country’s largest egg producer said it had received a request for information from the U.S. Department of Justice.
Antitrust regulators are investigating whether egg companies raised prices more than necessary amid a bird flu outbreak.
Cal-Maine’s fiscal third-quarter profit more than tripled year-over-year, while sales more than doubled.
Shares of Cal-Maine Foods (CALM) fell 5% in premarket trading Wednesday as a request for information from the U.S. Department of Justice on egg prices outweighed surging fiscal third-quarter sales and profits.
Cal-Maine said Tuesday that it received a “civil investigative demand” last month from the DOJ’s antitrust division, as the department is investigating allegations of price gouging in the egg industry. An outbreak of bird flu has led to a sharp decline in egg supply, which has sent prices surging in recent quarters. Cal-Maine, the largest egg producer in the country, said it is cooperating with the DOJ’s investigation.
Cal-Maine earned $10.38 per share on revenue of $1.42 billion in its fiscal third quarter, more than triple the $3 per share and double the $703.1 million it generated a year ago. The company’s average selling price of a dozen eggs was $4.06 in the quarter, nearly double the $2.25 mark from a year ago. It said that as of March 1, the U.S. Department of Agriculture estimated the total egg-laying flock in the country was 285 million, the lowest level since September 2015.
The company also said it had agreed to acquire Echo Lake Foods, which makes ready-to-eat egg products and breakfast foods, for roughly $258 million.
The U.S. has imposed heavy tariffs on a multitude of trading partners around the world, dealing a heavy blow to the system of free trade built in the decades since WWII.
The “Liberation Day” tariffs, meant to restore U.S. manufacturing to its glory days, hit Asian countries the hardest, led by a cumulative 104% tariff against China.
Economists say the heavy tariffs will push up inflation and hinder the U.S. economy if they are not walked back soon.
President Donald Trump’s “reciprocal” tariffs against U.S. trading partners went into effect a minute after midnight Wednesday, raising import costs from China, the European Union, Japan, and many other trading partners.
The round of tariffs includes a punishing 104% tariff on China, one of America’s biggest trading partners and its biggest economic rival. The European Union was hit with a 20% tariff, Taiwan with a 32% tariff, Japan with a 24% tariff, South Korea with a 25% tariff, and Vietnam with a 46% tariff.
Economists have warned that the import taxes will likely push up the cost of living, reignite high inflation, and send the U.S. economy into a nosedive. If they are not soon walked back, this could potentially cause the loss of millions of jobs.
The Trump administration indicated Tuesday that multiple countries were negotiating deals with the U.S., potentially leading to reduced tariffs. However, none had yet been struck when the deadline passed.
Trump has said the tariffs are meant to reverse the loss of manufacturing jobs in the U.S. over the past three decades, force other countries to lower their own trade barriers to U.S. companies, and raise revenue to run the government in place of income taxes.
Particularly among younger investors, TikHub has become a major player in affecting financial markets. With brief, financial content becoming increasingly popular, various cryptocurrencies have come under attention; Ripple (XRP) stands out as one of the most benefactors of this trend. While XRP is enjoying the hoopla, astute investors are seeing Cardano (ADA) and a revolutionary new altcoin, Rexas Finance (RXS), primed for a significant market movement in 2025, outside of viral trends. ADA could rise 3.5x while RXS offers 75x to 100x gains in 2025.
Why TikTok Traders Are Obsessed with XRP
For several reasons—the most important being its price—Ripple (XRP) has enthralled TikHubers. Unlike Bitcoin and Ethereum, which have substantial price tags, XRP stays cheap, making it accessible to regular investors. This psychological benefit lets traders gather more tokens, increasing their possible returns. Furthermore, TikHub’s algorithm prefers intriguing financial information, which helps crypto influencers forward optimistic XRP stories to millions. Often trending hashtags like #XRP and #cryptoboom help traders experience a Fear of Missing Out (FOMO). Currently valued at $2.46, XRP is expected to break beyond $3, fueling even more enthusiasm.
Cardano (ADA): The Smart Contract Powerhouse Gearing Up for 2025
XRP lives on virality, but Cardano (ADA) is steadily gaining, depending on its strong foundations. As of March 20, 2025, ADA has seen swings in trading at $0.73063, but analysts remain optimistic and estimate a price range between $1.81 and $2.62 by year-end. Strong attention to scalability, sustainability, and creative contract capabilities helps distinguish it as a prominent participant in the evolving blockchain scene. ADA is predicted to be among the best-performing assets in the upcoming market cycle as institutional investors progressively see Cardano’s long-term potential. ADA offers another chance for exponential earnings for anyone who missed Ethereum’s early expansion era.
Rexas Finance (RXS): The $0.20 Altcoin Set for a Monumental Surge
A new altcoin is silently building itself for a 2025 market takeover as TikHub traders concentrate on XRP and ADA. Rexas Finance (RXS). Originally at $0.20 in its last presale stage, RXS has surged 566% from its $0.03 starting presale price. The project’s unique benefit is its capacity to tokenize real-world assets such as commodities, fine art, and real estate, enabling investors to acquire fractional ownership of valuable assets with as little as $50.
Why Rexas Finance Is Attracting Smart Investors
1. Presale Success and Growth Potential
Rexas Finance has already raised an impressive $47,556,142 in its presale, selling 457,689,957 RXS tokens. With only a few tokens left before it closes, investors rush to secure their holdings before the price increases to $0.25 upon launch on June 19, 2025.
2. Massive Price Projection
Market analysts predict that RXS could soar to $15 or more in 2025, offering early investors an unprecedented return on investment. The potential 75x to 100x growth makes it one of the most lucrative altcoins on the market.
3. Community-Driven Model
Unlike many crypto projects that rely on venture capitalists, Rexas Finance has opted for a community-centric approach. The project has cultivated a loyal following dedicated to its success by prioritizing individual investors over VCs.
4. Major Listings
RXS has been formally listed on major websites to improve the view. This feature lets investors monitor real-time price swings and understand token performance precisely.
5. Certik Audit for Security Assurance
In the crypto realm, security is the priority, and Rexas Finance has taken this seriously, using a thorough examination by Certik, a top blockchain security company. This certification guarantees that the project’s operations are transparent and increases investor confidence.
Final Thoughts: The Next Market Movers
While TikHub traders continue pursuing XRP, Cardano (ADA) and Rexas Finance (RXS) are emerging market leaders. Although ADA is a strong candidate for 2025 with its innovative contract features and consistent development path, RXS is the real underdog ready for explosive expansion. Among the most exciting investment prospects in the crypto market right now, at $0.20 and scheduled to start at $0.25, is RXS. Targeting $15 or more, the window for purchasing at its presale price is rapidly closing. Savvy investors seeking the next great idea should act now before RXS takes the front stage and prepares the ground for one of the most significant market upheavals in 2025.
For more information about Rexas Finance (RXS) visit the links below:
Disclaimer: The views and opinions presented in this article do not necessarily reflect the views of CoinCheckup. The content of this article should not be considered as investment advice. Always do your own research before deciding to buy, sell or transfer any crypto assets. Past returns do not always guarantee future profits.
CD shoppers have a total of 22 choices offering 4.50% APY or more for terms up to 18 months.
Want a longer rate lock? The leading 4- and 5-year guarantees of 4.40% are available from Vibrant Credit Union and Transportation Federal Credit Union, respectively.
After holding interest rates steady in March, the Fed is in “wait-and-see” mode regarding 2025 rate cuts. But in today’s uncertain economy, it’s smart to snag one of today’s best CD rates while you can.
Below you’ll find featured rates available from our partners, followed by details from our ranking of the best CDs available nationwide.
Rates of 4.50% to 4.65% You Can Guarantee as Long as 2026
The nation’s leading CD rate held its ground today at 4.65%, and you have your choice of two offers for that APY. With terms of 5 or 7 months, you can secure that guaranteed return until this fall.
If you want to extend your rate lock until 2026, two top CDs pay 4.60%. Abound Credit Union offers that rate for a 10-month duration, while Vibrant Credit Union matches that APY for 13 months.
A total of 22 nationwide certificates are paying at least 4.50%, with the longest term among these being 18 months. That offer, from XCEL Federal Credit Union, would guarantee your rate until October of next year.
To view the top 15–20 nationwide rates in any term, click on the desired term length in the left column above.
All Federally Insured Institutions Are Equally Protected
Your deposits at any FDIC bank or NCUA credit union are federally insured, meaning you’re protected by the U.S. government in the unlikely case that the institution fails. Not only that, but the coverage is identical—deposits are insured up to $250,000 per person and per institution—no matter the size of the bank or credit union.
Consider Longer-Term CDs To Guarantee Your Rate Further Into the Future
CD shoppers who want an even longer guarantee might like the leading 4-year or 5-year certificates. Vibrant Credit Union is paying 4.40% APY for 48 months, while Transportation Federal Credit Union promises that same rate for 60 months—ensuring you’d earn well above 4% all the way until 2030.
Multiyear CDs are likely smart right now, given the possibility of Fed rate cuts in 2025 and perhaps 2026. The central bank has so far lowered the federal funds rate by a full percentage point, and this year could see additional cuts. While any interest-rate reductions from the Fed will push bank APYs lower, a CD rate you secure now will be yours to enjoy until it matures.
Today’s Best CDs Still Pay Historically High Returns
It’s true that CD rates are no longer at their peak. But despite the pullback, the best CDs still offer a stellar return. October 2023 saw the best CD rates push above 6%, while the leading rate is currently down to 4.65%. Compare that to early 2022, before the Federal Reserve embarked on its fast-and-furious rate-hike campaign. The most you could earn from the very best CDs in the country then ranged from just 0.50% to 1.70% APY, depending on the term.
Jumbo CDs Top Regular CDs in Two Terms
Jumbo CDs require much larger deposits and sometimes pay premium rates—but not always. In fact, the best jumbo CD rates right now are worse or the same than the best standard CD rates in all but two terms we track. In the 2-year term, Lafayette Federal Credit Union pays 4.33% vs. the leading 4.30% among standard CDs, while Hughes Federal Credit Union is offering 4.34% for a 3-year jumbo CD vs. 4.32% for the highest standard rate.
That makes it smart to always check both types of offerings when CD shopping. And if your best rate option is a standard CD, simply open it with a jumbo-sized deposit.
*Indicates the highest APY offered in each term. To view our lists of the top-paying CDs across terms for bank, credit union, and jumbo certificates, click on the column headers above.
Where Are CD Rates Headed in 2025?
In December, the Federal Reserve announced a third rate cut to the federal funds rate in as many meetings, reducing it a full percentage point since September. But in January and March, the central bankers declined to make further cuts to the benchmark rate.
The Fed’s three 2024 rate cuts represented a pivot from the central bank’s historic 2022–2023 rate-hike campaign, in which the committee aggressively raised interest rates to combat decades-high inflation. At its 2023 peak, the federal funds rate climbed to its highest level since 2001—and remained there for nearly 14 months.
Fed rate moves are significant to savers, as reductions to the fed funds rate push down the rates banks and credit unions are willing to pay consumers for their deposits. Both CD rates and savings account rates reflect changes to the fed funds rate.
Time will tell what exactly will happen to the federal funds rate in 2025 and 2026—and economic policies from the Trump administration have the potential to alter the Fed’s course. But with three Fed rate cuts already in the books, today’s CD rates could be the best you’ll see for some time—making now a smart time to lock in the best rate that suits your personal timeline.
Daily Rankings of the Best CDs and Savings Accounts
We update these rankings every business day to give you the best deposit rates available:
Important
Note that the “top rates” quoted here are the highest nationally available rates Investopedia has identified in its daily rate research on hundreds of banks and credit unions. This is much different than the national average, which includes all banks offering a CD with that term, including many large banks that pay a pittance in interest. Thus, the national averages are always quite low, while the top rates you can unearth by shopping around are often five, 10, or even 15 times higher.
How We Find the Best CD Rates
Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs to customers nationwide and determines daily rankings of the top-paying certificates in every major term. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), the CD’s minimum initial deposit must not exceed $25,000, and any specified maximum deposit cannot be under $5,000.
Banks must be available in at least 40 states. And while some credit unions require you to donate to a specific charity or association to become a member if you don’t meet other eligibility criteria (e.g., you don’t live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, read our full methodology.
The US has implemented its steepest tariffs on trade partners in over a century, with rates varying significantly across regions. The most striking development is the 104% tariff imposed on Chinese goods, signalling a major escalation in trade tensions. If these measures remain in place, they could effectively isolate the world’s two largest economies from one another. But this trade war is not just about tariffs; it reflects a broader geopolitical rivalry that could reshape global trade dynamics for years to come. Wild swings in markets continue as traders grapple with pricing the impact of a the conflict.
Hopes for market stability were short-lived yesterday. The 4% rebound in the S&P 500 evaporated to end with a loss of 1.6% – its biggest U-turn since at least 1978. The tech-heavy Nasdaq suffered its biggest blowdown since at least 1982 – falling deeper into bear market territory. The VIX fear index closed above 50 for the first time in over four years and is now almost four standard deviations above the long-term average. This marks a level of volatility most recently seen in 2020 (pandemic) and 2008 (GFC). Oil prices have also sunk to fresh 4-year lows on global growth and demand concerns.
The selloff in longer-dated Treasuries also gained momentum, with the US 10-year yield climbing above 4.5% and the 30-year yield briefly surpassing 5%. Investors appear to be stepping away from what was once considered the world’s safest asset, driven by expectations of weakening foreign demand as tariffs take hold. If the current pace of these bond moves persists, it could prompt central banks, including the Federal Reserve, to reassess their positions, even amid lingering concerns about persistent inflation pressures.
Turbulence to persist in FX
George Vessey – Lead FX & Macro Strategist
In FX, currency traders are positioning for turbulence to get even worse with hedging costs to protect against large swings surging. The dollar’s status as a post-pandemic safe haven is unravelling under the weight of President Trump’s tariffs, which risk triggering stagflation in the US economy. These measures are also undermining the narrative of US exceptionalism that has shaped the investment landscape for decades.
Meanwhile, China has set its currency at its weakest since 2007. the offshore yuan is a record lows. The safe haven Swiss franc remains the top haven of choice in the FX market. But Swiss officials will be eying this closely with rate cuts and FX intervention measures up their sleeve to rein in the currency. Antipodeans remain vulnerable – the Aussie and Kiwi dollars near multi-year lows.
While there were hints that President Trump might consider tariff deals, the path to negotiations remains fraught. Globally, investors are increasingly anxious about potential cracks in the financial system amid heightened volatility. This uncertainty has sparked speculation that the Fed may need to accelerate rate cuts to stabilize the situation.
Meanwhile, flying under the radar but still important to note – small US businesses foresee business conditions worsening ahead, a result of domestic and global policy choices. The NFIB’s small-business optimism index fell more than expected in March. A drop in business conditions and sales expectations was mostly behind the headline decline. Ultimately, uncertainty remains too high for small businesses to plan ahead.
Euro surges again
George Vessey – Lead FX & Macro Strategist
EUR/USD has shot back above $1.10 today and is now up 10% from March lows. Momentum looks to be in the euro’s favour and we wouldn’t be surprised to see $1.12 trade soon given the price action over the last few days. Options markets are sending mixed signals though, with one-week risk reversals still leaning euro-bullish, but moving sharply lower versus a week ago.
The euro’s high liquidity continues to shield it from the heightened volatility seen in high beta G10 peers. The common currency is enjoying a surge of increased flows as traders dump the dollar. The lack of stresses showing up in USD funding markets may also be a sign that investors are much less eager to pile into dollars this time round.
While the European Union has expressed readiness to negotiate tariff-free options with the US, such discussions are likely to take time. In the meantime, the EU is proceeding with measured retaliation against US tariffs, including 25% duties on various US products. A vote on such measures is expected today.
Sterling caught in the crossfire
George Vessey – Lead FX & Macro Strategist
Amidst the broad-based dollar weakness, GBP/USD is back above $1.28, bouncing of its 50-day moving average this week. However, the euro’s strength has dragged GBP/EUR to fresh 6-month lows, with the pair fighting to stay afloat the €1.16 handle.
There may be scope for a more protracted recovery in the likes of GBP/USD as investors continue to shun US assets, though we’re unsure whether it has legs to, or if the pound is attractive enough in this environment to allow the $1.32 peak of this year to trade again any time soon. Cutting through the noise, we point to rate differentials, which suggests the current $1.28-$1.29 is fair value at present. Markets are pricing in more rate cuts by the Bank of England this year – but to pick up the pace of easing the BoE would likely need to see inflation moderate below its February forecasts.
As for sterling versus the euro, the pair has dropped for four days straight – with a cumulative decline of over 3% despite rate differentials pointing to €1.19 fair value. The pair is heavily oversold on the daily relative strength index, meaning it may be unwise to chase the trend much lower from here.
*The FX rates published are provided by Convera’s Market Insights team for research purposes only. The rates have a unique source and may not align to any live exchange rates quoted on other sites. They are not an indication of actual buy/sell rates, or a financial offer.
