{"id":2700,"date":"2024-12-16T13:02:43","date_gmt":"2024-12-16T21:02:43","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=2700"},"modified":"2025-12-24T09:47:38","modified_gmt":"2025-12-24T17:47:38","slug":"cd-gifting-guide-give-cds-not-cash-for-holidays-all-year-round","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/cd-gifting-guide-give-cds-not-cash-for-holidays-all-year-round\/","title":{"rendered":"Gifting a Certificate of Deposit: A Thoughtful and Lasting Holiday Present"},"content":{"rendered":"\n<p>Giving the right gift for the holidays can be a challenge, especially when it comes to kids. You want to give them what they want: a toy, video game, and of course the tried-and-true gift, money. But where&#8217;s the fun in just giving them cash? Well, if it&#8217;s money they want, a CD is a great spin on a monetary gift that provides them with <a href=\"https:\/\/www.cbsnews.com\/news\/why-you-should-open-a-cd-for-your-child-now\/\" target=\"_blank\" rel=\"noreferrer noopener\">savings for the future<\/a>.\u00a0\u00a0<\/p>\n\n\n\n<p>Here are the steps you can take to gift a CD or gift funds to open a CD for the kids and grandkids in your life not just for the holidays but all year round.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Find a Financial Institution Offering Custodial Accounts with Competitive CD Rates<\/h2>\n\n\n\n<p>Custodial bank accounts allow an adult (parents, grandparents, aunts, uncles, friends etc.) to open a certificate of deposit for a child. The adult (18 years or older) will oversee the account until the child reaches a certain age, the age of majority. The age of majority for custodial bank accounts can range from 18, 21, or 25 years old, depending on the state you live in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Open a Custodial Account for Your CD&nbsp;<\/h2>\n\n\n\n<p>Depending on the financial institution, they will open the CD as a custodial ownership <a href=\"https:\/\/smartasset.com\/investing\/ugma-vs-utma\" target=\"_blank\" rel=\"noreferrer noopener\">Uniform Gift to Minors Act (UGMA) or a Uniform Transfers to Minors Act (UTMA)<\/a> where the CD funds be irrevocably gifted to the minor and will only be used in the best interest of the minor (i.e. to buy a car, get an apartment, etc.) before the age of majority or paid to the minor when they reach the age of majority. &nbsp;<\/p>\n\n\n\n<p>Look for banks or credit unions that provide competitive CD rates and clear options for custodial accounts. Online platforms like <a href=\"https:\/\/www.cdvalet.com\/\"><strong>CD Valet<\/strong><\/a> simplify the process by comparing rates nationwide, helping you find the best promotional CDs for your gift.<\/p>\n\n\n\n<p>You will need to provide the following documents and\/or information to your institution of choice:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Child&#8217;s information (i.e., social security number, birth date, and\/or school ID or passport if available)<\/li>\n\n\n\n<li>Adult&#8217;s US ID (i.e., driver&#8217;s license or passport)\u00a0<\/li>\n\n\n\n<li>Adult&#8217;s social security number \u00a0<\/li>\n<\/ul>\n\n\n\n<p>Confirm with the financial institution what specific documents are required. Once opened, the CD funds are irrevocably gifted to the child and can only be used for their benefit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Gift of CDs May Not Be Immediate, But Patience Pays Off &nbsp;<\/h2>\n\n\n\n<p>&nbsp;Once your child has reached the age of majority, any funds under a Custodial UGMA or UTMA ownership should be turned over to the minor. This is as simple as having the Financial Institution change the ownership of the CD into the minor\u0092s name when they have reached adulthood. Or cashing in the CD and paying the funds to the minor. By changing the CD to the now non-minor, they can keep the CD open and continue to earn an interest rate on funds for their future needs.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final Takeaway&nbsp;<\/h2>\n\n\n\n<p>Gifting a CD or gifting funds to open a CD for a child at an early age provides them with a financial foundation with guaranteed returns, earned interest, safety, and most importantly the ability to instill good financial habits. They can begin setting aside a portion of their allowance or monetary gifts into CDs or savings accounts, which will give them firsthand experience of what it takes to manage their money responsibly and learn the power of compound interest, a gift of financial discipline for years to come.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQs&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"text-decoration: underline;\">Can I Give a CD to an Adult?&nbsp;<\/span><\/h3>\n\n\n\n<p>Not directly. Financial institutions require the account to be opened in the adult&#8217;s name. However, you can give funds to an adult child or grandchild and accompany them to open a CD. This shared experience can be a unique way to encourage financial planning.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"text-decoration: underline;\">Are Gift CDs Taxable?<\/span><\/h3>\n\n\n\n<p>You can gift up to $17,000 annually per recipient ($34,000 for married couples) without triggering the federal gift tax. Gifts exceeding this limit may require the donor to pay taxes. Always consult a tax professional to ensure compliance with IRS regulations.<\/p>\n\n\n\n<p>If your gift is greater than the federal gift tax allows, as a donor, you are responsible for paying the tax versus the recipient who received the monetary gift. However, in some cases, if you gift money to your child and the amount does not exceed the <a href=\"https:\/\/www.irs.gov\/businesses\/small-businesses-self-employed\/frequently-asked-questions-on-gift-taxes#collapseCollapsible1700678768612\" target=\"_blank\" rel=\"noreferrer noopener\">maximum allowable gift<\/a>, you may be able to avoid paying taxes. The IRS reviews the exclusions for gift taxes annually, so it would be best to consult a tax professional before gifting a CD.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"text-decoration: underline;\">How do I gift a CD to a Child?&nbsp;<\/span><\/h3>\n\n\n\n<p>Find a financial institution that offers both custodial ownership and a good CD rate. <a href=\"https:\/\/www.cdvalet.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">CD Valet<\/a> is an online marketplace that connects consumers with financial institutions to compare and open CDs with the best rates and terms nationwide. And just like many retailers<s>\u0092<\/s> offer of holiday promotions, banks, and credit unions offer CD promos with particularly attractive interest rates to entice savers to open accounts with them.\u00a0<\/p>\n\n\n\n<p>Next, provide documents and information for both you and the child to open the investment account. As the parent, grandparent, or guardian of the child, you will be named the custodian of the account until the child reaches the age of majority, typically between 18 to 25. Once they have reached the age of majority, the child will have access to the account and all the funds within the account. The bank will ask the custodian to change ownership or close the CD. If for some reason<s>,<\/s> the custodian and minor are no longer in contact, the bank will seek counsel from the legal team before turning over funds directly to the minor.\u00a0 \u00a0<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-32ba39ad\"><h2 class=\"uagb-heading-text\">Read More<\/h2><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\t\t<div class=\"wppsac-wrap wppsac-slick-carousel-wrp wppsac-clearfix \" data-conf=\"{&quot;slides_to_show&quot;:&quot;2&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;dots&quot;:&quot;true&quot;,&quot;arrows&quot;:&quot;true&quot;,&quot;autoplay&quot;:&quot;true&quot;,&quot;autoplay_interval&quot;:3000,&quot;speed&quot;:500,&quot;rtl&quot;:&quot;false&quot;,&quot;lazyload&quot;:&quot;&quot;}\">\r\n\t\t\t<div id=\"wppsac-post-carousel-1\" class=\"wppsac-post-slider-init wppsac-post-carousel design-1\">\r\n\t\t\t\t<div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/may-2026-ratewatcher-report\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/05\/May-2026-966-x-421-px.png\" alt=\"May 2026 CD Rate Trends: CD Valet Finds More CD Rate Hikes than Cuts for First Time in Months\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/fi-resources\/\">FI Resources<\/a><\/li><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/rate-trends\/\">Rate Trends<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/may-2026-ratewatcher-report\/\">May 2026 CD Rate Trends: CD Valet Finds More CD Rate Hikes than Cuts for First Time in Months<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By Cassandra Hutchinson<\/span>\r\n\t\t\t \/ May 6, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">CD Valet's May 2026 RateWatcher Report shows the latest CD rate trends; specifically, that CD increases outpaced decreases.<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/may-2026-ratewatcher-report\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div><div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-by-state-12-month\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/05\/Best-CD-Rates-by-State-Featured-Image-2.png\" alt=\"CD Valet Best Rates Map Shows Where Savers Can Find the Best 12-Month CD Rates by State\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/rate-trends\/\">Rate Trends<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-by-state-12-month\/\">CD Valet Best Rates Map Shows Where Savers Can Find the Best 12-Month CD Rates by State<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By Cassandra Hutchinson<\/span>\r\n\t\t\t \/ May 5, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">CD Valet shows the best CD rates by state with a 12-month term. See the CDs with the highest rates...<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-by-state-12-month\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div><div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/the-fed-holds-as-inflation-rises-how-savers-protect-yield\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/05\/MAY-MARKET-UPDATE.png\" alt=\"The Fed Holds as Inflation Rises: How Savers Protect Yield\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/rate-trends\/\">Rate Trends<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/the-fed-holds-as-inflation-rises-how-savers-protect-yield\/\">The Fed Holds as Inflation Rises: How Savers Protect Yield<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By John Blizzard<\/span>\r\n\t\t\t \/ May 5, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">CD Valet's May 2026 Market Update explains how savers protect yield amidst recent FOMC decision making and economic shifts.<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/the-fed-holds-as-inflation-rises-how-savers-protect-yield\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div><div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/smart-cd-strategies-for-every-stage-of-life\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/05\/CDs-Strategies-for-Every-Stage-of-Life.png\" alt=\"Smart CD Strategies For Every Stage of Life\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/saver-strategies\/\">Saver Strategies<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/smart-cd-strategies-for-every-stage-of-life\/\">Smart CD Strategies For Every Stage of Life<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By Cassandra Hutchinson<\/span>\r\n\t\t\t \/ May 4, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">Your savings strategy should evolve top meet your changing needs and goals. Consider these CD strategies for every stage of...<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/smart-cd-strategies-for-every-stage-of-life\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div><div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/april-2026-ratewatcher-report\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/04\/Apr-2026-966-x-421-px.png\" alt=\"April 2026 CD Rate Trends: CD Valet Finds Slowing Pace of CD Rate Cuts as Market Uncertainty Grows\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/fi-resources\/\">FI Resources<\/a><\/li><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/rate-trends\/\">Rate Trends<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/april-2026-ratewatcher-report\/\">April 2026 CD Rate Trends: CD Valet Finds Slowing Pace of CD Rate Cuts as Market Uncertainty Grows<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By Cassandra Hutchinson<\/span>\r\n\t\t\t \/ April 8, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">CD Valet's April 2026 rate trends report shows that many institutions appear to be holding rates steady or selectively increasing...<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/april-2026-ratewatcher-report\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div><div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/march-2026-ratewatcher-report\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/03\/Mar-2026-966-x-421-px.png\" alt=\"March 2026 CD Rate Trends: CD Valet Finds Community Institutions Offering CD Returns Almost One Percentage Point Higher Than Big National Banks\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/fi-resources\/\">FI Resources<\/a><\/li><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/rate-trends\/\">Rate Trends<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/march-2026-ratewatcher-report\/\">March 2026 CD Rate Trends: CD Valet Finds Community Institutions Offering CD Returns Almost One Percentage Point Higher Than Big National Banks<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By Cassandra Hutchinson<\/span>\r\n\t\t\t \/ March 26, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">CD Valet's March 2026 Ratewatcher Report shows that community institutions are offering higher average returns on CDs than national banks.<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/march-2026-ratewatcher-report\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div><div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/the-fed-holds-again-how-to-find-and-protect-yield-on-your-savings\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/03\/MAR-MARKET-UPDATE.png\" alt=\"The Fed Holds Again: Finding and Protecting Yield on Your Savings\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/rate-trends\/\">Rate Trends<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/the-fed-holds-again-how-to-find-and-protect-yield-on-your-savings\/\">The Fed Holds Again: Finding and Protecting Yield on Your Savings<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By John Blizzard<\/span>\r\n\t\t\t \/ March 25, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">When it comes to deposits, balancing interest rate, liquidity, and maturity is a complicated task for today\u2019s savers.<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/the-fed-holds-again-how-to-find-and-protect-yield-on-your-savings\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div><div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-in-washington\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/02\/Untitled-design-10.jpg\" alt=\"Best CD Rates in Washington\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/local-insights\/\">Local Insights<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-in-washington\/\">Best CD Rates in Washington<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By Lucas Edwards<\/span>\r\n\t\t\t \/ February 27, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">Find the Highest CD Rates Available by State, Updated Daily Are you seeking a safe and reliable way to grow...<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-in-washington\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div><div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-in-south-carolina\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/02\/Untitled-design-9.jpg\" alt=\"Best CD Rates in South Carolina\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/local-insights\/\">Local Insights<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-in-south-carolina\/\">Best CD Rates in South Carolina<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By Lucas Edwards<\/span>\r\n\t\t\t \/ February 27, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">Find the Highest CD Rates Available by State, Updated Daily Are you seeking a safe and reliable way to grow...<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-in-south-carolina\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div><div class=\"wppsac-carousel-slides\">\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/what-does-the-fed-rate-decrease-pause-mean-for-your-deposits\/\">\r\n\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/02\/FEB-MARKET-UPDATE-1.jpg\" alt=\"What Does the Pause in Rate Decreases Mean for Your Deposits?\u00a0\" \/>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\t\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.cdvalet.com\/insights\/category\/rate-trends\/\">Rate Trends<\/a><\/li><\/ul><\/div>\r\n\t\t\r\n\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t<a href=\"https:\/\/www.cdvalet.com\/insights\/what-does-the-fed-rate-decrease-pause-mean-for-your-deposits\/\">What Does the Pause in Rate Decreases Mean for Your Deposits?\u00a0<\/a>\r\n\t\t<\/h2>\r\n\r\n\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\t\t\t<span>By John Blizzard<\/span>\r\n\t\t\t \/ February 17, 2026\t\t<\/div>\r\n\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t<div class=\"wppsac-sub-content\">Given the Fed rate-decrease pause, maturity and product choice matter much more for savers wanting to prevent missed yield. Here\u2019s...<\/div>\r\n\r\n\t\t\t\t\t\t<a class=\"wppsac-readmorebtn\" href=\"https:\/\/www.cdvalet.com\/insights\/what-does-the-fed-rate-decrease-pause-mean-for-your-deposits\/\">Read More<\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n<\/div>\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\n","protected":false},"excerpt":{"rendered":"<p>Giving the right gift for the holidays can be a challenge, especially when it comes to kids. You want to give them what they want: a toy, video game, and of course the tried-and-true gift, money. But where&#8217;s the fun in just giving them cash? Well, if it&#8217;s money they want, a CD is a [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":5013,"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":"","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":[34],"tags":[],"class_list":["post-2700","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-saver-strategies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CD Gifting Guide: How To Gift CDs (Certificate of Deposit)<\/title>\n<meta name=\"description\" content=\"Consider a gift that lasts a lifetime \u2013 CDs for kids. 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