Recently, U.S. banking term deposit yields have skyrocketed as the Federal Reserve's aggressive policy of raising interest rates has raised interest rate benchmarks, coupled with tighter liquidity due to the U.S. banking crisis, and increased demand for depositors' deposits.。

According to market sources, some banks have offered interest rates above 5% to attract deposits, which are absolutely attractive to most depositors in the market。

For some online banks, they offer relatively low deposit rates, ranging from 4% to just under 5%, but have the advantage of easy access and fewer restrictions。At present, the most popular online banking account is Apple's AppleCard。It is reported that the account focuses on high yield and convenience, which can get 4.15% annual return, more than 10 times the U.S. national average。

According to an index created by Deposits online LLC, the average yield on online savings accounts rose to about 3 percent in March..75%, compared to 0 a year ago.5%。The average annual yield on online one-year time certificates of deposit is close to 4.75%, up sharply from less than 1% in 2022。

Greg McBride, chief financial analyst at Bankrate, a well-known U.S. financial product information gathering platform, said that U.S. term product yields are currently the best in 15 years。

Pam Krueger, founder of Wealthramp, a U.S. financial advisory firm, also said that the paltry deposit rates of recent years have been very bad for retirees, but the current interest rate situation has eased on this and we are in the golden age of (interest rates)。

However, this "high yield" dividend is not expected to last long.。

For now, banks are willing to offer a premium to attract more deposits, but they will stop doing so once they reach the amount they need to raise, said Ken Tumin, founder of DepositAccounts, another U.S. deposit product interest rate tracking platform.。

Recently, Hyperion Bank of Philadelphia ended its interest rate of 5.Issuance of 5% 19-month certificates of deposit。

Krueger also said that due to the interest rate outlook and the uncertainty of the Fed's monetary policy, the bank's high interest rate "validity period" does not know how long.。But in this situation, Krueger also to depositors, he said, in the face of this situation, depositors need to master the "ladder deposit" (C.D.ladder) method。

Ladder deposit, also known as ladder savings, is a financial method of splitting savings, which operates by dividing the total savings funds into several portions and depositing them into time deposits of different maturities.。Investors need to reasonably plan the amount of deposits for each portion according to the interest rate structure of the product, taking into account their own future liquidity.。

Having said that, I just don't know how much money investors, who have just experienced the shock of the banking crisis, are willing to inject into the market in the face of "flash in the pan" high interest rates.？