{"id":2749,"date":"2024-01-04T20:23:12","date_gmt":"2024-01-04T20:23:12","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=2749"},"modified":"2025-12-17T12:24:15","modified_gmt":"2025-12-17T20:24:15","slug":"cd-rates-are-climbing-heres-how-it-affects-you","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/cd-rates-are-climbing-heres-how-it-affects-you\/","title":{"rendered":"CD Rates Are Climbing &#8211; Here&#8217;s How It Affects You"},"content":{"rendered":"\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-uagb-social-share uagb-social-share__outer-wrap uagb-social-share__layout-horizontal uagb-block-13271a7e\">\n<div class=\"wp-block-uagb-social-share-child uagb-ss-repeater uagb-ss__wrapper uagb-block-a6a3d306\"><span class=\"uagb-ss__link\" data-href=\"https:\/\/twitter.com\/share?url=\" tabindex=\"0\" role=\"button\" aria-label=\"twitter\"><span class=\"uagb-ss__source-wrap\"><span class=\"uagb-ss__source-icon\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M400 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm-48.9 158.8c.2 2.8 .2 5.7 .2 8.5 0 86.7-66 186.6-186.6 186.6-37.2 0-71.7-10.8-100.7-29.4 5.3 .6 10.4 .8 15.8 .8 30.7 0 58.9-10.4 81.4-28-28.8-.6-53-19.5-61.3-45.5 10.1 1.5 19.2 1.5 29.6-1.2-30-6.1-52.5-32.5-52.5-64.4v-.8c8.7 4.9 18.9 7.9 29.6 8.3a65.45 65.45 0 0 1 -29.2-54.6c0-12.2 3.2-23.4 8.9-33.1 32.3 39.8 80.8 65.8 135.2 68.6-9.3-44.5 24-80.6 64-80.6 18.9 0 35.9 7.9 47.9 20.7 14.8-2.8 29-8.3 41.6-15.8-4.9 15.2-15.2 28-28.8 36.1 13.2-1.4 26-5.1 37.8-10.2-8.9 13.1-20.1 24.7-32.9 34z\"><\/path><\/svg><\/span><\/span><\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-social-share-child uagb-ss-repeater uagb-ss__wrapper uagb-block-ceaea035\"><span class=\"uagb-ss__link\" data-href=\"https:\/\/www.facebook.com\/sharer.php?u=\" tabindex=\"0\" role=\"button\" aria-label=\"facebook\"><span class=\"uagb-ss__source-wrap\"><span class=\"uagb-ss__source-icon\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.8 90.69 226.4 209.3 245V327.7h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.3 482.4 504 379.8 504 256z\"><\/path><\/svg><\/span><\/span><\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-social-share-child uagb-ss-repeater uagb-ss__wrapper uagb-block-2720fec3\"><span class=\"uagb-ss__link\" data-href=\"https:\/\/pinterest.com\/pin\/create\/link\/?url=\" tabindex=\"0\" role=\"button\" aria-label=\"pinterest\"><span class=\"uagb-ss__source-wrap\"><span class=\"uagb-ss__source-icon\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M448 80v352c0 26.5-21.5 48-48 48H154.4c9.8-16.4 22.4-40 27.4-59.3 3-11.5 15.3-58.4 15.3-58.4 8 15.3 31.4 28.2 56.3 28.2 74.1 0 127.4-68.1 127.4-152.7 0-81.1-66.2-141.8-151.4-141.8-106 0-162.2 71.1-162.2 148.6 0 36 19.2 80.8 49.8 95.1 4.7 2.2 7.1 1.2 8.2-3.3 .8-3.4 5-20.1 6.8-27.8 .6-2.5 .3-4.6-1.7-7-10.1-12.3-18.3-34.9-18.3-56 0-54.2 41-106.6 110.9-106.6 60.3 0 102.6 41.1 102.6 99.9 0 66.4-33.5 112.4-77.2 112.4-24.1 0-42.1-19.9-36.4-44.4 6.9-29.2 20.3-60.7 20.3-81.8 0-53-75.5-45.7-75.5 25 0 21.7 7.3 36.5 7.3 36.5-31.4 132.8-36.1 134.5-29.6 192.6l2.2 .8H48c-26.5 0-48-21.5-48-48V80c0-26.5 21.5-48 48-48h352c26.5 0 48 21.5 48 48z\"><\/path><\/svg><\/span><\/span><\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-social-share-child uagb-ss-repeater uagb-ss__wrapper uagb-block-b4864370\"><span class=\"uagb-ss__link\" data-href=\"https:\/\/www.linkedin.com\/shareArticle?url=\" tabindex=\"0\" role=\"button\" aria-label=\"linkedin\"><span class=\"uagb-ss__source-wrap\"><span class=\"uagb-ss__source-icon\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg><\/span><\/span><\/span><\/div>\n<\/div>\n\n\n\n<p>Whether you\u0092ve been keeping an eye out on the current interest rates or not, we all know that the greater the interest rate, the greater the potential we have to earn more. Fortunately for us, Certificates of Deposit rates are rising, but the important question is why is that happening and what does that mean for me?&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><u>Why are CD rates up?<\/u><\/strong> &nbsp;<\/h2>\n\n\n\n<p>The Federal Reserve has been hiking rates; specifically, federal funds rates. Since 2022, we&#8217;ve seen 11 rate hikes, a solution the central bank hopes can slow down the economy enough to moderate price growth.\u00a0\u00a0\u00a0<\/p>\n\n\n\n<p><a href=\"https:\/\/www.federalreserve.gov\/monetarypolicy\/fomcpresconf20220316.htm\" target=\"_blank\" rel=\"noreferrer noopener\">In March 2022<\/a>, the Federal Open Markets Committee (FOMC) began raising the target range by 25 basis points, or 0.25% which brought federal interest rates between 0.25% to 0.50%. Since then, after 11 more spikes in interest, we&#8217;ve seen changes between 25 to 75 basis points, which has brought the current Federal Fund rate as of November 2023 between 5.25% to 5.50% &#8211; the highest it&#8217;s been in 22 years.\u00a0\u00a0\u00a0<\/p>\n\n\n\n<p>Unfortunately, for those looking to borrow, it may be worth it to wait for rates to go down. But for those looking to deposit cash, it is a great time as you can earn more on your savings.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><u>What are the current CD rates?<\/u><\/strong> &nbsp;<\/h2>\n\n\n\n<p>That brings us to our next point of interest, the current rates. When inflation runs hot, <a href=\"https:\/\/www.cdvalet.com\/compare\" target=\"_blank\" rel=\"noreferrer noopener\">short-term CDs<\/a> \u0096 one year or less &#8212; often do too.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Annual percentage yield or APY, is the true rate of return on your investment, including compounding interest. Compounding interest doesn&#8217;t just include the interest earned on what you&#8217;ve deposited, but it also includes the additional interest you earn on the interest that is reinvested.\u00a0\u00a0\u00a0<\/p>\n\n\n\n<p>In short, you&#8217;re earning money, on top of the money you&#8217;re making on your initial deposit! Interest rates for certificates of deposit and high-yield savings accounts have jumped from less than 1% up to over 5% APY in just a few years. And <a href=\"https:\/\/www.cdvalet.com\/compare\" target=\"_blank\" rel=\"noreferrer noopener\">CD rates<\/a> have seemed to move up faster than savings rates at most financial institutions (FIs). As CD rates continue to go up at some FIs, and have lowered slightly for select terms, most CD rates are still between 4% and 5.50% APY. For example, if you were opening a 12-month term CD with a principal amount of $5,000 at a rate of 5.50% APY, you&#8217;d earn $274.76 of interest at maturity as long as you leave the interest to compound on a daily basis. If you withdraw the interest on a quarterly basis, you will receive $67.32 per quarter, times 4 quarters for a total of $269.98; $4.78 less. This may not seem like a significant difference, but the more you deposit, and the higher the rate, the compounding interest can make a big difference in what you earn.\u00a0\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><u>Why should I care?<\/u><\/strong> &nbsp;<\/h2>\n\n\n\n<p>Rates are currently high, but who knows how long they will remain. The most essential factor is that current CD rates provide an attractive incentive to reach your savings goals. And now is a great time to invest in a CD.&nbsp;&nbsp;<\/p>\n\n\n\n<p>&nbsp;Check out CD Valet\u0092s earning calculator <a href=\"https:\/\/www.cdvalet.com\/calculate\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a> to determine your estimated earnings at maturity with the terms and principal amount that will help you reach your financial goals.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQs<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"text-decoration: underline;\">Why are CD rates on the rise?<\/span>&nbsp;<\/h3>\n\n\n\n<p>CD rates are increasing due to the Federal Reserve hiking federal funds rates, reaching the highest levels in over two decades.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"text-decoration: underline;\">How do climbing CD rates benefit depositors?&nbsp;<\/span><\/h3>\n\n\n\n<p>Rising CD rates provide an opportunity for depositors to earn more on their savings, making it an ideal time to invest in CDs.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"text-decoration: underline;\">What is the impact of compounding interest on CD earnings?&nbsp;<\/span><\/h3>\n\n\n\n<p>Compounding interest, including reinvested interest, enhances CD earnings over time, potentially resulting in significant returns.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"text-decoration: underline;\">Why should I care about climbing CD rates?&nbsp;<\/span><\/h3>\n\n\n\n<p>Climbing CD rates offer an appealing incentive to maximize your savings, and CD Valet provides valuable insights and tools to help you make informed decisions.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"text-decoration: underline;\">How do I shop around for the best CD rates with CD Valet?<\/span>&nbsp;<\/h3>\n\n\n\n<p>Explore over 25,000 CD rates from 3,100+ financial institutions nationwide on CD Valet, connecting consumers and institutions to compare and choose the best rates.&nbsp;<a id=\"_msocom_1\"><\/a><\/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>Whether you\u0092ve been keeping an eye out on the current interest rates or not, we all know that the greater the interest rate, the greater the potential we have to earn more. Fortunately for us, Certificates of Deposit rates are rising, but the important question is why is that happening and what does that mean [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2750,"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-2749","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>Here&#039;s How Rising CD Rate Affect You - Everything You Need to Know<\/title>\n<meta name=\"description\" content=\"CD Rates are on the rise. Learn how climbing rates impact your savings and why now is the ideal time to invest in a CD.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cdvalet.com\/blog\/cd-rates-are-climbing-heres-how-it-affects-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Here&#039;s How Rising CD Rate Affect You - Everything You Need to Know\" \/>\n<meta property=\"og:description\" content=\"CD Rates are on the rise. 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