Our December APY Checkpoint shows that 12-month CD rates experienced the largest month-over-month shifts across standard CD terms, based on APY benchmarks as of December 15, 2025. Despite these changes, 12-month CDs remain an attractive short-term, higher-yield option, with the top 10% of available APYs currently reaching 3.90%. “As projected, APYs have slightly decreased for […]

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

CD Valet is a digital marketplace that connects consumers with the best CD rates and terms nationwide. The company today shared its October APY Checkpoint, a real-time tool that helps consumers instantly see how their Certificate of Deposit (CD) rate stacks up against the market. The October analysis revealed that as of 10/16/2025, rates of