Offers a locked rate for 6 months: Unlike a savings or money market account, whose rate can be reduced at any time, a 6-month CD is guaranteed to pay the agreed upon APY for the full six months.If rates drop, you may regret not opening a longer CD If rates rise, you'll be locked at a lower APY Signature Federal Credit Union – 5.50% APY.Mountain America Credit Union – 5.50% APY.Latino Community Credit Union – 5.55% APY.Bayer Heritage Federal Credit Union – 5.65% APY.Then, if there's still a tie, the institutions are listed alphabetically. In cases where more than one institution pays the same top rate, we've prioritized CDs by the shortest term, then the CD requiring a smaller minimum deposit. Those requiring a minimum deposit of up to $25,000 are eligible for our list. We've ranked the highest-paying CDs with approximately 6-month terms (includes terms ranging from 5 to 9 months) by drawing on the most current rate data from about 200 banks and credit unions that offer certificate products nationwide. CD rates closely follow the fed funds rate, so if the Fed implements a further increase this year, that could nudge CD rates higher still. 20-after 11 hikes in the previous 12 meetings-it has indicated that an additional increase in 2023 is still on the table. Though the Fed held its benchmark rate steady on Sept. NASA defines them as observations in the sky or elsewhere that cannot be readily identified or scientifically explained.Today’s CD rates are higher than we’ve seen in more than 20 years, pushed up by the Federal Reserve’s rate-hike campaign that began in March 2022 to tame decades-high inflation. The government refers to unexplained sightings as UAPs versus UFOs. Most events can be attributed to planes, drones, balloons or weather conditions, said panel chairman David Spergel, president of the Simons Foundation, a scientific research group. Officials said there are so few high-quality observations that no scientific conclusions can be drawn. Instead, the group relied on unclassified data in an attempt to better understand unexplained sightings in the sky. ![]() No top-secret files were accessed by the scientists, aviation and artificial intelligence experts, and retired NASA astronaut Scott Kelly, the first American to spend nearly a year in space. ![]() Science needs to undergo a real and rigorous and rational process, and you need the freedom of thought to be able to do that,” said Dan Evans, NASA’s liaison with the panel. “That’s in part why we are not splashing the name of our new director out there because science needs to be free. RELATED | NASA is assembling a team to gather data on unidentifiable events in the sky NASA recently appointed a director for UFO research but is not divulging the identity to protect them from the kind of threats and harassment faced by the panel members during the study. The 16-member panel noted that artificial intelligence and machine learning are essential for identifying rare occurrences, including UFOs. But it operates a fleet of Earth-circling spacecraft that can help determine, for example, whether weather is behind a strange event. NASA has said it doesn’t actively search for unexplained sightings.
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