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@pearlinprogress I don't think you will find cheaper fixed rates in a year - three rate cuts still leaves 5-years 75bp inverted versus overnights in a years time, they would have to rise to close the gap.

@pearlinprogress Shorter ones are more expensive right now, unless you get a really sweetheart deal. Bonds are still inverted. - 1 years are priced as if two cuts have already occurred, 5 years as if seven cuts have happened. It's unlikely you'll get much cheaper than current 5 years since...