The Smartest Move I Made Before Buying a House? Opening a CD at the Right Time

Motley Fool

Oct 13, 2025

Image source: Getty ImagesWhen I started saving for a house, I didn't expect a certificate of deposit (CD) to become one of the smartest financial moves I'd make. But opening a LendingClub CD in early...

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Opening a CD at the Right Time","media":"Motley Fool","content":"<div>\n<p>Image source: Getty ImagesWhen I started saving for a house, I didn't expect a certificate of deposit (CD) to become one of the smartest financial moves I'd make. But opening a LendingClub CD in early...</p>\n\n<a href=\"https://www.fool.com/money/banks/articles/the-smartest-move-i-made-before-buying-a-house-opening-a-cd-at-the-right-time/\">Source Link</a>\n\n</div>\n","source":"fool_stock","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>The Smartest Move I Made Before Buying a House? 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Opening a CD at the Right Time\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-10-13 19:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/money/banks/articles/the-smartest-move-i-made-before-buying-a-house-opening-a-cd-at-the-right-time/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Image source: Getty ImagesWhen I started saving for a house, I didn't expect a certificate of deposit (CD) to become one of the smartest financial moves I'd make. But opening a LendingClub CD in early...</p>\n\n<a href=\"https://www.fool.com/money/banks/articles/the-smartest-move-i-made-before-buying-a-house-opening-a-cd-at-the-right-time/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"TMF","symbol_name":"3倍做多20年期以上国债ETF-Direxion","start_time":0,"source_url":"https://www.fool.com/money/banks/articles/the-smartest-move-i-made-before-buying-a-house-opening-a-cd-at-the-right-time/","article_id":"2575470729","we_media_id":null,"thumbnails":["https://g.foolcdn.com/image/?url=https%3A%2F%2Fm.foolcdn.com%2Fmedia%2Faffiliates%2Fimages%2Ftwo_people_with_realtor_in_empty_house_NV3Sf2.width-1200.jpg&op=resize&w=165&h=104"],"rights":{"source":"fool_stock","url":"https://www.fool.com/money/banks/articles/the-smartest-move-i-made-before-buying-a-house-opening-a-cd-at-the-right-time/","rn_cache_url":null,"customStyle":"","selectors":".main-contain, #article-page","filters":"#sticky-wrapper, .navigation, .article-page-end, .foot, .author-tagline, .author-inline, .footer, .soc-share, .wysiwyg, .related-content","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2575470729","pubTimestamp":1760353200,"columns":[],"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"Opening a CD before the Fed rate cuts helped me boost my savings and buy a home with confidence. Here's why timing your CD can still pay off.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"TMF":"3倍做多20年期以上国债ETF-Direxion","BK4166":"消费信贷","TLTW":"iShares 20+ Year Treasury Bond Buywrite Strategy ETF","BK4116":"互联网服务与基础架构","HYSA":"BONDBLOXX USD HIGH YIELD BOND SECTOR ROTATION ETF","BK4588":"碎股","CD":"Chaince Digital Holdings Inc.","LC":"LendingClub","BK4585":"ETF&股票定投概念"},"translate_title":"买房前我做的最明智之举？在正确的时间打开CD","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"TMF":0.6,"US5Y.BOND":0.9,"US12M.BOND":0.9,"CD":1.5,"LC":0.8,"US3Y.BOND":0.9,"US7Y.BOND":0.9,"US6M.BOND":0.9,"TLTW":0.6,"US30Y.BOND":0.9,"US2Y.BOND":0.9,"HYSA":1,"US10Y.BOND":0.9},"content_text":"Image source: Getty ImagesWhen I started saving for a house, I didn't expect a certificate of deposit (CD) to become one of the smartest financial moves I'd make. But opening a LendingClub CD in early 2024, just before the Federal Reserve began cutting rates, turned out to be perfect timing.And smart savers have the same opportunity right now, before the Fed slashes rates again.At the time, my high-yield savings account (HYSA) was earning nearly 5.00% APY -- but when the Fed cut rates at the end of 2024, that APY dropped fast. My CD, on the other hand, stayed put.Because CDs lock in your rate for a set term, mine kept earning the higher yield while new offers fell. That single move ended up adding extra cash to my down payment, and it gave me a lot of peace of mind in a year when rates were changing almost monthly.The power of locking in a fixed rateRight now, LendingClub offers an 8 Mo. CD with a 4.25% APY. A $25,000 deposit would earn about $703 when the CD matured.And you don't have to tie up your money for years. CDs give you predictable growth and protection from rate swings. That peace of mind is what you're really buying with a fixed-rate CD -- guaranteed growth no matter what the Fed decides next.You're not too late to do the sameIf you missed that pre-cut window before last month, don't count yourself out. The Fed's September 2025 cut likely wasn't the last one we'll see. The next meeting is scheduled for the end of October, and many analysts expect another reduction before the end of 2025.That means there's still time to grab one of the stronger CD rates available now -- and lock it in before they move lower again.LendingClub's 8 Mo. CD at 4.25% APY is one of the best offers on the market now, and it only has a $500 minimum deposit. You can open it online in minutes.For many savers, that's the sweet spot: short enough that your cash isn't tied up for too long, but long enough to secure a strong, fixed rate through the next round of potential cuts.        Rates as of Oct. 8, 2025      LendingClub CDMember FDIC.APY:                        4.25%                      Term:8 MonthsMin. Deposit:$500Open Account for On                       LendingClub's           Secure Website.Why I'd do it againIf you're saving for something specific -- a home, a car, or just building a cushion -- a short-term CD can be an easy way to earn more while keeping your money safe.I still keep an HYSA for flexibility, but the CD gave me something I didn't realize I was missing: certainty.Looking back, locking in that LendingClub CD didn't just help me earn more -- it helped me buy a home with confidence. And in today's rate environment, that kind of stability is worth every bit of interest it earns.See how LendingClub's CDs stack up, and how much more your money could earn, in our LendingClub CD review.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}