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Current CD Rates (Week Of November 13th, 2023)

Last updated 11/30/2023 by

Miriam Belen-Rodriguez

Edited by

During the week of November 13th, fluctuations in Certificate of Deposit (CD) rates presented a diverse picture. Some terms remained steady, while others experienced noteworthy adjustments. Notably, the 6-month CD term saw a decline of 0.04%, shifting from an APY of 5.80% to 5.76%. Meanwhile, the 1-year CD term witnessed a more substantial decrease of 0.44%, moving from 6.20% to 5.76%.
Several CD terms, including 3 months, 18 months, 2 years, 3 years, 4 years, and 10 years, remained unchanged with no variations in their respective APYs. This stable rate environment underscores the cautious stance taken by financial institutions in response to evolving economic factors and the Federal Reserve’s anticipated policy shifts. These rate adjustments demonstrate how banks are strategically aligning themselves with the Fed’s forthcoming monetary policy decisions, which have significant implications for both savers and the broader economic landscape. The CD rate landscape continues to adapt in response to changing economic conditions. Notably, the 5-year CD term experienced a slight reduction of 0.05%, shifting from 5.40% to 5.35%.

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