To preface, yes I understand that now would be the ideal time to invest in stock instead, but I will need my savings in the short term (1-2 yrs) so investing doesn't seem like an option.
That being said, just a few weeks back Discover offered a 4.5% CD and I'm now seeing the best they offer is 4.0%, which makes me feel like a fool. Am I just asking for trouble if I don't jump on this right now? Is it generally likely that the rates will continue to fall?
My savings are nothing crazy, just 20k I have sitting in an HYSA.