Top CD Strategies Before the Fed Rate Cut

TL;DR
With the Federal Reserve expected to cut rates next week, now is a good time to lock in high-yield CDs, such as OMB Bank's 4.36% APY for a 3-month term, to secure a guaranteed return before rates fall further.
- Lock in this 4.36% APY CD before next week's expected Fed rate cut CNBC
- Best CD rates Oct. 21, 2025 Fortune
- CD Valet Shares October CD APY Checkpoint, Enabling Savers to Easily Market Test their CD Returns Morningstar
- CD vs. High-Yield Savings Account: Which Should I Choose? NerdWallet
- 3 CD accounts to open before the October Fed rate cut CBS News
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