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Best CD Rates Today After Fed Rate Cuts Introduction The Federal Reserve recently cut its benchmark interest rate to 4.00%–4.25% , the first move in an easing cycle. This shift has many savers asking: what are the best CD rates today after Fed rate cuts? Certificates of Deposit (CDs) are still yielding higher than they did just a few years ago, but momentum is starting to shift. Locking in now, or choosing the right term, could mean the difference between maximizing returns and watching yields slip away. How Fed Cuts Impact CD Rates When the Fed lowers rates, banks gradually adjust the yields they pay on CDs. Short-term CDs (3–6 months) usually fall first because they move with market expectations. Long-term CDs (3–5 years) adjust more slowly, sometimes staying attractive even as the Fed eases. Future cuts are already signaled for later this year, meaning today’s competitive APYs may not last. Case Study: Locking vs. Laddering Let’s imagine a saver with ...