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Seems as if all the CD rates (via Fidelity) whether 3 months to 5 yrs are right around 5% right now... but the landscape has changed too. Several Fed rate increases ago (6 months back), many LARGE banks were offering 5 year/5% CDs with call protection .... and millions would be offered up and purchased within an hour .... poof... gone! That call protection disappeared around Thanksgiving, and the CD rates are lower now even after several more Fed increases.... just an interesting observation.... I wasn't in the market for them.
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