Not only is it unlikely that CD rates will increase in 2024, but it's actually more realistic to expect them to drop. Lock in a high CD rate here now before they start dropping. Or is the window of opportunity to earn today's high rates closing? A couple of factors in play could determine the answers to these questions. That said, with inflation cooling and the overall forecast for 2024 unclear, many may be wondering if CD rates will rise even higher in 2024. But in 2023, it wasn't difficult to find an account with a 5.5% APY, often with little or no fees. Certificate of deposit (CD) and high-yield savings accounts earned around 1% or less in 20. While higher interest rates have caused the cost of borrowing - from mortgages to credit cards - to skyrocket, they've also led to substantive returns on traditional savings vehicles. While 2023 has been an economically challenging one for scores of borrowers, it's also been a remarkably rewarding one for savers. CD interest rates are unlikely to climb much further in 2024.
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