With interest rates, for example, some short-term rates have been trending downward, such as with the Federal Reserve starting to cut the federal funds rate. Meanwhile long-term ones such as 10 ...

But now, some credit unions are starting to raise their long-term rates back up. For example, the America First Credit Union 5 Year Certificate raised its rate to 4.20% APY, or annual percentage ...

So, for those hoping to get rates back to the low fours or fives by the end of 2025, the data is showing otherwise. Long-Term Mortgage Rates Follow How Well The Economy Is Doing So, let’s look ...

Currently, however, the yield curve is inverted, and short-term rates are higher than long-term ones ... which means you have to give back seven to 365 days of interest, depending on the CD ...

So, I think the public perception is that rates have gone up substantially. But if you look back more than 20 years, you could see we’re right around long-term averages. What is different today ...

The Federal Reserve has dropped interest rates by three quarters of a percentage point since September, but mortgage rates have not followed suit. Ben Eisen: Short-term rates and long-term rates ...