{"id":4159,"date":"2025-09-04T10:03:45","date_gmt":"2025-09-04T17:03:45","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=4159"},"modified":"2025-09-05T11:04:18","modified_gmt":"2025-09-05T18:04:18","slug":"august-2025-cd-rate-trends","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/august-2025-cd-rate-trends\/","title":{"rendered":"Top CD Rate Trends to Watch: August 2025 Ratewatcher Report"},"content":{"rendered":"\n<p>CD Valet\u2019s August 2025 Ratewatcher Report reveals that most certificate of deposit (CD) yields moved lower in August, ahead of a potential interest rate cut by the <a href=\"https:\/\/www.federalreserve.gov\/monetarypolicy\/fomccalendars.htm\">Federal Reserve<\/a> later this month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Key Takeaways from August CD Rate Trends<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>74% of CD rate changes were decreases<\/strong> between August 1\u201331, 2025.<\/li>\n\n\n\n<li>Only <strong>26% of changes were increases<\/strong>, continuing the slowdown in CD rate hikes (36% in July, 42% in June).<\/li>\n\n\n\n<li><strong>12-month CDs remain the most competitive term<\/strong>, with the highest share of increases (26%) and the largest average bump in yield (56 basis points).<\/li>\n\n\n\n<li>The <strong>yield curve remains inverted<\/strong>, signaling expectations for declining rates in fall 2025.<\/li>\n\n\n\n<li><strong>Credit unions led rate increases<\/strong>: 66% of increases came from credit unions, while banks made up 34%.<\/li>\n\n\n\n<li>On average, <strong>credit union CD rates were 17% higher than bank CD rates<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Explore the <a href=\"https:\/\/www.cdvalet.com\/\">best CD rates today<\/a> with CD Valet\u2019s marketplace of over 35,000 nationally available CDs from 4,500+ banks and credit unions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Rates Fell in August<\/h2>\n\n\n\n<p>The Federal Open Market Committee (FOMC) meets September 16\u201317, and many analysts expect a potential <a href=\"https:\/\/www.federalreserve.gov\/monetarypolicy\/fomccalendars.htm\">Fed rate cut<\/a>. Financial institutions appear to be pricing in that shift, which explains the widespread decline in August CD yields.<\/p>\n\n\n\n<p>Despite the trend, many banks and credit unions continue to lean on <strong>12-month CDs<\/strong> as a way to attract deposits \u2014 a strategy that resonates with savers seeking solid returns while avoiding locking up funds for multiple years.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What This Means for Savers and Financial Institutions<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cAs anticipation for a potential upcoming rate cut intensifies, many savvy savers are deciding to lock in CDs now to secure attractive rates. The financial institutions that aren\u2019t optimizing their CD strategy \u2013 including thoughtful pricing and visibility \u2013 risk missing out on attracting deposits and building customer relationships,\u201d said Mary Grace Roske, Head of Marketing &amp; Communications at CD Valet. \u201cThe banks and credit unions that want to stand out are doing their research to understand both saver appetite and how peers are pricing and promoting their deposit products.\u201d<\/p>\n<\/blockquote>\n\n\n\n<p>For consumers, this means: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you\u2019re considering a CD, <strong>now may be the time to act<\/strong> before rates drop further.<\/li>\n\n\n\n<li><strong>12-month CDs<\/strong> currently offer some of the strongest yield increases.<\/li>\n\n\n\n<li>Credit unions may offer higher yields compared to banks \u2014 worth comparing before committing.<\/li>\n<\/ul>\n\n\n\n<p>For financial institutions, it signals the importance of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maintaining competitive pricing to attract deposits.<\/li>\n\n\n\n<li>Monitoring <strong>saver behavior<\/strong> to anticipate shifts in demand.<\/li>\n\n\n\n<li>Leveraging platforms like <a href=\"https:\/\/www.cdvalet.com\/\">CD Valet<\/a> to gain visibility with deposit-seekers nationwide.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">About the Ratewatcher Report<\/h2>\n\n\n\n<p>Each month, CD Valet analyzes its digital marketplace of over 35,000 retail CD rates to uncover industry patterns and consumer opportunities. The Ratewatcher Report highlights these findings to help savers and financial institutions make smarter decisions in a changing rate environment.<\/p>\n\n\n\n<p>Read last month\u2019s <a href=\"https:\/\/www.cdvalet.com\/blog\/top-cd-rate-trends-to-watch-july\/\">July Ratewatcher Report<\/a> to compare how trends have shifted.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>CD Valet\u2019s August 2025 Ratewatcher Report reveals that most certificate of deposit (CD) yields moved lower in August, ahead of a potential interest rate cut by the Federal Reserve later this month. Key Takeaways from August CD Rate Trends Explore the best CD rates today with CD Valet\u2019s marketplace of over 35,000 nationally available CDs [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":4187,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_links_to":"","_links_to_target":""},"categories":[18,34],"tags":[],"class_list":["post-4159","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-saver-insights","category-saver-strategies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - 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