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Best certificate of deposit rates on Sunday, July 12, 2026 top out at 4.10% APY, keeping risk-free cash yields near levels that compete with equity and crypto returns. Elevated deposit rates signal that banks still price in a restrictive Fed stance, sustaining the opportunity cost of holding volatile assets like BTC and unprofitable growth stocks. A meaningful drop in headline CD rates would be an early sign that markets are repricing toward Fed easing, which historically supports risk-asset flows.
As a Macro signal, confirm the link to liquidity, rates, policy timing, and price reaction before drawing a trading conclusion.
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