{"id":3648,"date":"2025-02-12T10:46:39","date_gmt":"2025-02-12T18:46:39","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=3648"},"modified":"2025-12-17T13:02:45","modified_gmt":"2025-12-17T21:02:45","slug":"is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/","title":{"rendered":"Is Your CD Rate in the Top 10%?: February 2025 APY Checkpoint Reveals the Gaps"},"content":{"rendered":"\n<style id=\"wp_carousel_dynamic_css3503\">.sp-wp-carousel-free-id-3503.wpcf-fancybox-wrapper .fancybox-bg{background: #0b0b0b;opacity: 0.8;}.sp-wp-carousel-free-id-3503.wpcf-fancybox-wrapper .fancybox-navigation .fancybox-button .wpcp-fancybox-nav-arrow i {color: #ccc;}.sp-wp-carousel-free-id-3503.wpcf-fancybox-wrapper .fancybox-navigation .fancybox-button .wpcp-fancybox-nav-arrow i:hover {color: 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src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/plugins\/wp-carousel-free\/public\/css\/spinner.svg\" alt=\"Preloader Image\" \/><\/div>\t<div class=\"wpcp-carousel-content-wrapper\">\n\t<div id=\"sp-wp-carousel-free-id-3503\" class=\"wpcp-carousel-section sp-wpcp-3503  nav-vertical-center wpcp-image-carousel wpcp-preloader wpcp-standard\" data-swiper='{ &quot;pagination_type&quot;: &quot;dots&quot;,&quot;accessibility&quot;:true, &quot;spaceBetween&quot;:0, &quot;arrows&quot;:true, &quot;freeMode&quot;: false, &quot;autoplay&quot;:false, &quot;effect&quot;: &quot;normal&quot;, &quot;centerMode&quot;: false, &quot;autoplaySpeed&quot;:3000, &quot;dots&quot;:true, &quot;infinite&quot;:true, &quot;speed&quot;:600, &quot;pauseOnHover&quot;:true,\n\t\t\t&quot;slidesToShow&quot;:{&quot;lg_desktop&quot;:1, &quot;desktop&quot;: 1, &quot;laptop&quot;: 1, &quot;tablet&quot;: 1, &quot;mobile&quot;: 1}, &quot;responsive&quot;:{&quot;desktop&quot;:1200, &quot;laptop&quot;: 980, &quot;tablet&quot;: 736, &quot;mobile&quot;: 480}, &quot;rtl&quot;:false, &quot;lazyLoad&quot;: &quot;false&quot;, &quot;swipe&quot;: true, &quot;draggable&quot;: true, &quot;swipeToSlide&quot;:false }' dir=\"ltr\">\n\t\t<div class=\"swiper-wrapper\">\n\t\t<div class=\"swiper-slide\">\n\t<div class=\"wpcp-single-item\">\n\t\t\t<a class=\"wcp-light-box\" data-buttons='[\"close\"]' data-wpc_url='https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-12-Month-768x644.png' href=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-12-Month.png\" data-fancybox=\"wpcp_view\">\n\t\t<figure>\n\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-12-Month-768x644.png\" alt=\"February-2025-APY-Checkpoint---12-Month\" width=\"768\" height=\"644\">\t\t<\/figure>\n\t<\/a>\n\t\t<\/div>\n<\/div>\n\t<div class=\"swiper-slide\">\n\t<div class=\"wpcp-single-item\">\n\t\t\t<a class=\"wcp-light-box\" data-buttons='[\"close\"]' data-wpc_url='https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-24-Month-768x644.png' href=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-24-Month.png\" data-fancybox=\"wpcp_view\">\n\t\t<figure>\n\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-24-Month-768x644.png\" alt=\"February-2025-APY-Checkpoint---24-Month\" width=\"768\" height=\"644\">\t\t<\/figure>\n\t<\/a>\n\t\t<\/div>\n<\/div>\n\t<div class=\"swiper-slide\">\n\t<div class=\"wpcp-single-item\">\n\t\t\t<a class=\"wcp-light-box\" data-buttons='[\"close\"]' data-wpc_url='https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-36-Month-768x644.png' href=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-36-Month.png\" data-fancybox=\"wpcp_view\">\n\t\t<figure>\n\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-36-Month-768x644.png\" alt=\"February-2025-APY-Checkpoint---36-Month\" width=\"768\" height=\"644\">\t\t<\/figure>\n\t<\/a>\n\t\t<\/div>\n<\/div>\n\t<div class=\"swiper-slide\">\n\t<div class=\"wpcp-single-item\">\n\t\t\t<a class=\"wcp-light-box\" data-buttons='[\"close\"]' data-wpc_url='https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-48-Month-768x644.png' href=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-48-Month.png\" data-fancybox=\"wpcp_view\">\n\t\t<figure>\n\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-48-Month-768x644.png\" alt=\"February-2025-APY-Checkpoint---48-Month\" width=\"768\" height=\"644\">\t\t<\/figure>\n\t<\/a>\n\t\t<\/div>\n<\/div>\n\t<div class=\"swiper-slide\">\n\t<div class=\"wpcp-single-item\">\n\t\t\t<a class=\"wcp-light-box\" data-buttons='[\"close\"]' data-wpc_url='https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-60-Month-768x644.png' href=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-60-Month.png\" data-fancybox=\"wpcp_view\">\n\t\t<figure>\n\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/01\/February-2025-APY-Checkpoint-60-Month-768x644.png\" alt=\"February-2025-APY-Checkpoint---60-Month\" width=\"768\" height=\"644\">\t\t<\/figure>\n\t<\/a>\n\t\t<\/div>\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"wpcp-swiper-dots swiper-pagination\"><\/div>\n\t\t\t\t<!-- If we need navigation buttons -->\n\t\t\t\t\t<div class=\"wpcp-prev-button swiper-button-prev\"><i class=\"fa fa-angle-left\"><\/i><\/div>\n\t\t\t<div class=\"wpcp-next-button swiper-button-next\"><i class=\"fa fa-angle-right\"><\/i><\/div>\n\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n\n<p>It&#8217;s a rate game.&nbsp; Not all CDs offer the same earning potential and as a savvy saver, you know the importance of shopping multiple financial institutions and comparing rates. &nbsp;If your rate isn\u2019t among the top 10%, your savings may not be growing as efficiently as possible \u2013 meaning you could be missing out on higher earnings.<\/p>\n\n\n\n<p>For example, online banks are known to offer attractive rates, but are they the cream of the crop? CD Valet data from February 10, has shown that there is a clear gap in Annual Percentage Yields (APYs) between the top 10% of CD rates available on CD Valet and the average CD rates offered by large online banks. While the top 10% APYs for a 1-year CD on CD Valet stand at 4.25%, the average rate from a large online bank is just 3.74%. The discrepancy is evident across standard terms, including 5-year CDs, where the top 10% APYs are 3.80%, compared to 3.22% from these online institutions.<\/p>\n\n\n\n<p>No matter where you\u2019re opening a CD rate you\u2019re eyeing, the APY Checkpoint helps you gauge whether that CD rate you\u2019re considering ranks among the top 10% of annual percentage yields (APYs) for standard CD terms. Using data from CD Valet\u2019s Market Intelligence Tool, updated monthly, provides a clear benchmark to ensure you\u2019re earning the most competitive returns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are you earning the highest returns possible?&nbsp;<\/h2>\n\n\n\n<p>Before committing to a CD this month, compare its rate to the highest available and make sure your savings are working as hard as they can. Gauge how your rates compare to\u00a0<a href=\"https:\/\/www.cdvalet.com\/compare?tab=FeaturedCDs\">today\u2019s top rates<\/a>.\u00a0<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It&#8217;s a rate game.&nbsp; Not all CDs offer the same earning potential and as a savvy saver, you know the importance of shopping multiple financial institutions and comparing rates. &nbsp;If your rate isn\u2019t among the top 10%, your savings may not be growing as efficiently as possible \u2013 meaning you could be missing out on [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3667,"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":[33],"tags":[],"class_list":["post-3648","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 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is Your CD Rate Earning the Best Returns Possible in 2025?<\/title>\n<meta name=\"description\" content=\"It&#039;s a rate game.&nbsp; 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