{"id":4513,"date":"2025-10-27T10:33:09","date_gmt":"2025-10-27T17:33:09","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=4513"},"modified":"2025-10-27T10:33:11","modified_gmt":"2025-10-27T17:33:11","slug":"october-2025-cd-yield-curve-analysis","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/october-2025-cd-yield-curve-analysis\/","title":{"rendered":"CD Valet Yield Curve Analysis Reveals Meaningful Differences in CD Rate Strategies by Institution Asset Size"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.cdvalet.com\/\">CD Valet<\/a> is a digital marketplace that connects consumers with the best CD rates and terms nationwide, helping community financial institutions effectively attract new deposits. The company today released its latest CD yield curve analysis, offering a granular look at CD rate dynamics across the market. CD Valet found stark differences in CD pricing across asset size segments, with institutions under $500 million tending to offer the most competitive rates, particularly for 12-month CDs.<\/p>\n\n\n\n<p>\u201cOur recent CD yield curve analysis confirmed that, as expected, smaller banks and credit unions tend to offer the highest rates, both to drive deposits and reward customers,\u201d said Mary Grace Roske, Head of Marketing &amp; Communications for CD Valet. \u201cIn fact, as asset size increases, overall rate competitiveness tends to decline \u2013 especially for institutions surpassing the $10 billion mark. For savers, this is a reminder that better yields often lie beyond the biggest bank names, while for financial institutions, it underscores how pricing strategy remains a powerful tool for growth and loyalty.\u201d<\/p>\n\n\n\n<p>CD Valet offers the most comprehensive source of CD rates available today, with over 38,500 CD rates tracked from nearly 5,000 financial institutions. By segmenting financial institutions into five categories based on asset size (under $500M, $500M\u2013$1B, $1B\u2013$10B, $10B\u2013$50B, and $50B+), the company surfaced meaningful insights into how CD yields vary across the industry. Key findings (data as of 10\/23\/2025) include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Smaller institutions lead on rates.<\/strong> For 12-month CDs, the median APY from institutions under $500 million is 3.25%, while the median APY from institutions with $50 billion or more is just 2.03%, a striking difference of 122 basis points. That\u2019s a 60% higher yield from the smallest institutions compared to the largest, even at the median rate.<\/li>\n\n\n\n<li><strong>Mid-size institutions demonstrate rate discipline. <\/strong>Institutions ($500M\u2013$10B) tend to offer strong, consistent CD rates. They have fewer low-APY outliers, which lifts their overall curve. The smaller gap between top 1% and top 10% rates from those institutions also suggests tighter competition and more consistent pricing across the board.<\/li>\n\n\n\n<li><strong>Larger institutions lag in rate competitiveness<\/strong>. Institutions over $50 billion show significantly lower top and median APYs across nearly all CD terms, with median APYs dipping below 1.20% for longer terms, such as 36\u201360 months. This trend suggests that larger institutions may rely less on rate-based deposit acquisition strategies and more on brand reach or existing customer bases. Their access to wholesale funds, corporate accounts and other sources means they don\u2019t have to depend on retail CDs as much as smaller institutions do.<\/li>\n<\/ul>\n\n\n\n<p>\u201cWhile large banks rely on brand familiarity and convenience to retain deposits, those advantages don\u2019t necessarily translate into better returns for savers \u2013 with their money often being left on the table,\u201d noted Roske. \u201cBy analyzing the benchmark data from trusted tools, smaller institutions can make smarter, more effective pricing decisions \u2013 decisions that benefit both customers and their bottom line. For consumers, it highlights the importance of not defaulting to the big-name banks and instead to shop around for better rates.\u201d<\/p>\n\n\n\n<p><strong>About CD Valet<\/strong>&nbsp;<\/p>\n\n\n\n<p>CD Valet is a digital marketplace that connects consumers with top CD rates from banks and credit unions nationwide\u202fand enables financial institutions to efficiently and cost-effectively attract retail deposits. With CD Valet, banks and credit unions are empowered to digitally compete with the largest financial institutions, while consumers gain greater visibility and access to better rates. CD Valet offers\u202fover 38,000 CD rates, interest calculators and comparison tools for consumers\u202fand financial institutions can use its full suite of advertising, analytics, and account opening tools to support deposit acquisition. Visit\u202f<a href=\"http:\/\/www.cdvalet.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">www.cdvalet.com<\/a>\u202ffor more information and check out CD Valet\u2019s <a href=\"https:\/\/www.cdvalet.com\/blog\/best-cd-rates-by-state-map\/\">Best CD Rates by State Map<\/a> to maximize earnings on savings.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>CD Valet is a digital marketplace that connects consumers with the best CD rates and terms nationwide, helping community financial institutions effectively attract new deposits. The company today released its latest CD yield curve analysis, offering a granular look at CD rate dynamics across the market. CD Valet found stark differences in CD pricing across [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":4514,"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":"disabled","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":[33],"tags":[],"class_list":["post-4513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rate-trends"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - 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