The Federal Open Market Committee decided to lower the target range for the federal funds rate by 0.25 percent after its Oct. 29 meeting. If you invest savings, that change is likely known to you, but you may still be wondering:

What would a “good” rate be if you did lock in funds in a time investment, such as certificates or U.S. Treasuries?

These are the right questions for savers to be asking. This latest rate decrease followed an FOMC meeting at which members dissented in different policy directions. The committee has only had that kind of difference in opinion on two other occasions since 1990, according to Reuters. More on that below.

On the two questions above, we can make a few observations in November 2025: First, current bank and credit union rates for certificates are strong relative to U.S. Treasuries of similar term. Additionally, current offerings are likely among the best available for 2025.

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