what are some good examples of offers from banks on savings bonds and CD’s that would still profit the bank?
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Banks would NEVER offer anything to the public or their customers unless there’s a good promising profit for THEM.
Banks, like any business, are out to make money.
CD & bonds are just one of the simple ways banks make money, banks lend money from you, promise a low interest rate of 3-5% a year, then loan it to another person at a higher interest rate. Banks pocket the difference and pay you later.
This is of course, a VERY simplified description. If you consider that banks use “fractional reserve”, they can literally lend out 90% of what they have and operate as if they have the full amount (yes, that means double dipping).