CD Rates at Banks that are Subjected to the Federal Reserve’s Bank Stress Tests
Most of the 18 banks that have to be subjected to the Federal Reserve's stress test don't offer CD rates on the high end of rates available. Though that might change since the Federal Reserve has just completed their bank stress tests and the results might have some bearing on rates these banks offer.While none of the 18 biggest bank holding companies failed the test, a majority of the banks might feel a need to increase their capital. Banks usually increase capital by increasing CD interest rates, savings rates, and other deposit rates to make it more attractive to deposit money into their bank.When the stress test was applied, 10 of the 18 banks just barely have the minimum capital. If there is a recession worse than what the Federal Reserve uses in the stress test, these banks would have to raise capital in order to survive. Following is the list of 10 banks that just meet the minimum capital requirement after the tests are applied.
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