{"id":2770,"date":"2024-01-17T14:02:36","date_gmt":"2024-01-17T19:02:36","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=2770"},"modified":"2025-12-17T11:25:30","modified_gmt":"2025-12-17T19:25:30","slug":"2023-year-of-the-cd-certificates-of-deposit-comeback","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/2023-year-of-the-cd-certificates-of-deposit-comeback\/","title":{"rendered":"2023: Year of the CD (Certificates of Deposit) Comeback"},"content":{"rendered":"\n

The Federal Reserve has been hiking federal funds rates since 2022 \u0096 a total of 11 rate hikes<\/a>, a solution the central bank hopes can slow down the economy enough to moderate price growth.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

<\/p>\n\n\n\n

In 2023, more financial institutions were offering CDs and competition continued to grow which has been good for savers.<\/p>\n\n\n\n

\"quarterly<\/figure>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

<\/p>\n\n\n\n

In 2023, the number of promo CDs (CDs outside of the standard 12-, 24-, 36-, 48-, and 60-month terms) available on CD Valet grew by 150%. While standard rates (rates with 12-, 24-, 36-, 48-, and 60-month terms) saw a 35% growth in available rates.<\/p>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

<\/p>\n\n\n\n

As the Fed is currently holding rates steady, it\u0092s a good idea to shop the promos and grab a CD rate of 5% or more sooner rather than later.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"

The Federal Reserve has been hiking federal funds rates since 2022 \u0096 a total of 11 rate hikes, a solution the central bank hopes can slow down the economy enough to moderate price growth. In 2023, more financial institutions were offering CDs and competition continued to grow which has been good for savers. In 2023, […]<\/p>\n","protected":false},"author":3,"featured_media":2771,"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":[34],"tags":[],"class_list":["post-2770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-saver-strategies"],"acf":[],"yoast_head":"\n2023 Certificate of Deposit (CD) Statistics: Promo CD Rates on the Rise \u2013 CD Valet<\/title>\n<meta name=\"description\" content=\"Learn more about CD statistics from 2023. 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In 2023,…","rttpg_featured_image_url":{"full":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1.png",460,590,false],"landscape":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1.png",460,590,false],"portraits":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1.png",460,590,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1-150x150.png",150,150,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1-234x300.png",234,300,true],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1-327x420.png",327,420,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1.png",460,590,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1.png",460,590,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1.png",117,150,false],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1.png",55,70,false],"bdpp-medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1.png",374,480,false],"tptn_thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2024\/01\/EOY-Stats-1-75x75.png",75,75,true]},"rttpg_author":{"display_name":"Mary Grace Roske","author_link":"https:\/\/www.cdvalet.com\/insights\/author\/dlm\/"},"rttpg_comment":1,"rttpg_category":"<a href=\"https:\/\/www.cdvalet.com\/insights\/category\/saver-strategies\/\" rel=\"category tag\">Saver Strategies<\/a>","rttpg_excerpt":"The Federal Reserve has been hiking federal funds rates since 2022 \u0096 a total of 11 rate hikes, a solution the central bank hopes can slow down the economy enough to moderate price growth. In 2023, more financial institutions were offering CDs and competition continued to grow which has been good for savers. In 2023,…","_links":{"self":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/2770","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/comments?post=2770"}],"version-history":[{"count":12,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/2770\/revisions"}],"predecessor-version":[{"id":4274,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/2770\/revisions\/4274"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media\/2771"}],"wp:attachment":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media?parent=2770"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/categories?post=2770"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/tags?post=2770"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}