Interest rates on fixed-term deposits increase
Published . Updated .
In 2026, the average interest rate on fixed-term deposits has increased from 0.96 per cent to 1.15 per cent, while the interest rate on demand deposits has remained unchanged. This reflects the fact that interest rates on fixed-term deposits typically respond earlier to changes
Directly affected
- No company is named in this report.
Indirectly affected
- TLT iShares 20+ Year Treasury Bond ETF-1.8% 30d
iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story.
- IEF iShares 7-10 Year Treasury Bond ETF-0.9% 30d
iShares 7-10 Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story.
- XLF Financial Select Sector SPDR-3.9% 30d
Financial Select Sector SPDR: it holds banks. Linked by “deposits” (banks) in this story.
- JPM JPMorgan Chase-5.5% 30d
JPMorgan Chase (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story.
- BAC Bank of America-15.0% 30d
Bank of America (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story.
- WFC Wells Fargo-7.9% 30d
Wells Fargo (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “deposits” (banks) in this story.
- C Citigroup-11.1% 30d
Citigroup (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “deposits” (banks) in this story.
- DHI D.R. Horton+5.1% 30d
D.R. Horton (operative builders): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story.
Price reaction, T-5 to T+3
| Ticker | T-5 | T-3 | T-1 | T0 | T+1 | T+2 | T+3 |
|---|---|---|---|---|---|---|---|
| TLT | -1.92% | +0.06% | base | after close | after close | after close | after close |
| IEF | -0.97% | +0.09% | base | after close | after close | after close | after close |
| XLF | -0.59% | +1.11% | base | after close | after close | after close | after close |
| JPM | +0.37% | +0.74% | base | after close | after close | after close | after close |
| BAC | +0.22% | +1.07% | base | after close | after close | after close | after close |
| WFC | -0.57% | +0.46% | base | after close | after close | after close | after close |
| C | +1.21% | +1.21% | base | after close | after close | after close | after close |
| DHINo price data for this ticker | — | — | — | — | — | — | — |
Closing-price change versus T-1, the last close before the story. T0 to T+3 fill in after each market close. Prices: Alpaca IEX.
Market Call
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Interest rates on fixed-term deposits increase Danmarks Nationalbank
Source: Danmarks Nationalbank
The price since 27 Oct 2026: Ishares Tr (TLT) versus the S&P 500
| Company | When | Move | Status |
|---|---|---|---|
| Bank Of America (BAC) | three days earlier | +1.07% | final price |
| Bank Of America (BAC) | five days earlier | +0.22% | final price |
| Citigroup (C) | three days earlier | +1.21% | final price |
| Citigroup (C) | five days earlier | +1.21% | final price |
| Ishares Tr (IEF) | three days earlier | +0.09% | final price |
| Ishares Tr (IEF) | five days earlier | -0.97% | final price |
| Jpmorgan Chase (JPM) | three days earlier | +0.74% | final price |
| Jpmorgan Chase (JPM) | five days earlier | +0.37% | final price |
| Ishares Tr (TLT) | three days earlier | +0.06% | final price |
| Ishares Tr (TLT) | five days earlier | -1.92% | final price |
| Wells Fargo (WFC) | three days earlier | +0.46% | final price |
| Wells Fargo (WFC) | five days earlier | -0.57% | final price |
| Select Sector Spdr Tr (XLF) | three days earlier | +1.11% | final price |
| Select Sector Spdr Tr (XLF) | five days earlier | -0.59% | final price |
Trades by members of Congress and officials in the stocks in this story
- Sen. John Boozman bought Ishares Tr (IEF) (jointly held), worth $1,001 - $15,000 on 9 Sep 2026. That is 48 days before publication. Filed 21 Oct 2026. View the filing.
- Sen. Sheldon Whitehouse sold Jpmorgan Chase (JPM), worth $15,001 - $50,000 on 4 Sep 2026. That is 53 days before publication. Filed 1 Oct 2026. View the filing.
- Sen. Sheldon Whitehouse sold Jpmorgan Chase (JPM) (held by a spouse), worth $15,001 - $50,000 on 4 Sep 2026. That is 53 days before publication. Filed 1 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Jpmorgan Chase (JPM) (held by a spouse), worth $100,001 - $250,000 on 27 Aug 2026. That is 61 days before publication. Filed 4 Sep 2026. View the filing.
- Rep. Rohit Khanna sold Bank Of America (BAC) (held by a spouse), worth $1,001 - $15,000 on 9 Sep 2026. That is 48 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Laurel Lee sold Bank Of America (BAC) (held by a spouse), worth $50,001 - $100,000 on 24 Aug 2026. That is 64 days before publication. Filed 16 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a spouse), worth $1,001 - $15,000 on 25 Sep 2026. That is 32 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a dependent child), worth $15,001 - $50,000 on 17 Sep 2026. That is 40 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a dependent child), worth $1,001 - $15,000 on 15 Sep 2026. That is 42 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Maria Elvira Salazar sold Citigroup (C), worth $1,001 - $15,000 on 24 Sep 2026. That is 33 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Citigroup (C) (held by a spouse), worth $1,001 - $15,000 on 4 Sep 2026. That is 53 days before publication. Filed 7 Oct 2026. View the filing.
- Donald J Trump, an executive branch official, bought Horton D R (DHI), worth $15,001 - $50,000 on 17 Aug 2026. That is 71 days before publication. Filed 8 Oct 2026. View the filing.
Public disclosure filings, not a recommendation. The filing link is the source document. News use of these reports still sits under 5 U.S.C. § 13107(c).
Who gains and who loses around Ishares Tr (TLT)
Companies mentioned with this story
- TLT Ishares Tr
In “Interest rates on fixed-term deposits increase,” Ishares Tr (TLT) is linked, with no stored direction, medium confidence. Reason on file: iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story
- IEF Ishares Tr
Ishares Tr (IEF) is linked, with no stored direction, medium confidence in the 27 Oct 2026 story “Interest rates on fixed-term deposits increase.” Reason on file: iShares 7-10 Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story
- XLF Select Sector Spdr Tr
For “Interest rates on fixed-term deposits increase,” Select Sector Spdr Tr (XLF) is linked, with no stored direction, medium confidence. Reason on file: Financial Select Sector SPDR: it holds banks. Linked by “deposits” (banks) in this story
- JPM Jpmorgan Chase
In “Interest rates on fixed-term deposits increase,” Jpmorgan Chase (JPM) is linked, with no stored direction, medium confidence. Reason on file: JPMorgan Chase (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story
- BAC Bank Of America
In “Interest rates on fixed-term deposits increase,” Bank Of America (BAC) is linked, with no stored direction, medium confidence. Reason on file: Bank of America (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story
- WFC Wells Fargo
Wells Fargo (WFC) is linked, with no stored direction, medium confidence in the 27 Oct 2026 story “Interest rates on fixed-term deposits increase.” Reason on file: Wells Fargo (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “deposits” (banks) in this story
- C Citigroup
For “Interest rates on fixed-term deposits increase,” Citigroup (C) is linked, with no stored direction, medium confidence. Reason on file: Citigroup (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “deposits” (banks) in this story
- DHI Horton D R
In “Interest rates on fixed-term deposits increase,” Horton D R (DHI) is linked, with no stored direction, medium confidence. Reason on file: D.R. Horton (operative builders): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story
How “Interest rates on fixed-term deposits increase” reaches Ishares Tr (TLT)
“Interest rates on fixed-term deposits increase” (27 Oct 2026) reaches Ishares Tr (TLT) through this story.
The link for Ishares Tr (TLT) is this: iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story
Also listed, Ishares Tr (IEF): iShares 7-10 Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story
Dates in the story, and the Ishares Tr (TLT) price range
IEF traded between 88.64 and 91.23 across 20 sessions. The latest close on file is 90.08. TLT traded between 76.44 and 81.94 across 20 sessions. The latest close on file is 79.46. XLF traded between 52.82 and 56.03 across 20 sessions. The latest close on file is 55.07.
How solid “Interest rates on fixed-term deposits increase” looks
46 out of 100
“Interest rates on fixed-term deposits increase” scores 46 out of 100. The score uses 1 sources, and 8 linked companies.