{"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[sp_wpcarousel id=&#8221;3503&#8243;]\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>[sp_wpcarousel id=&#8221;3503&#8243;] 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 [&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":"","ast-disable-related-posts":"","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 v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\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; Not all CDs offer the same earning potential and as a savvy saver, you know the importance of shopping multiple financial\" \/>\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\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Your CD Rate Earning the Best Returns Possible in 2025?\" \/>\n<meta property=\"og:description\" content=\"It&#039;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\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/\" \/>\n<meta property=\"og:site_name\" content=\"CD Valet\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-12T18:46:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-17T21:02:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png\" \/>\n\t<meta property=\"og:image:width\" content=\"460\" \/>\n\t<meta property=\"og:image:height\" content=\"590\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mary Grace Roske\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mary Grace Roske\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/\"},\"author\":{\"name\":\"Mary Grace Roske\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#\\\/schema\\\/person\\\/52e88985880d6a4d749ec1764b682dc7\"},\"headline\":\"Is Your CD Rate in the Top 10%?: February 2025 APY Checkpoint Reveals the Gaps\",\"datePublished\":\"2025-02-12T18:46:39+00:00\",\"dateModified\":\"2025-12-17T21:02:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/\"},\"wordCount\":281,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/Blog-Post-Image-17.png\",\"articleSection\":[\"Rate Trends\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/\",\"name\":\"Is Your CD Rate Earning the Best Returns Possible in 2025?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/Blog-Post-Image-17.png\",\"datePublished\":\"2025-02-12T18:46:39+00:00\",\"dateModified\":\"2025-12-17T21:02:45+00:00\",\"description\":\"It'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\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/Blog-Post-Image-17.png\",\"contentUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/Blog-Post-Image-17.png\",\"width\":460,\"height\":590},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Is Your CD Rate in the Top 10%?: February 2025 APY Checkpoint Reveals the Gaps\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#website\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/\",\"name\":\"CD Valet\",\"description\":\"Cd Valet\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#organization\"},\"alternateName\":\"CD Rates\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#organization\",\"name\":\"CD Valet\",\"alternateName\":\"CD Rates\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/cdvaletlogo.png\",\"contentUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/cdvaletlogo.png\",\"width\":400,\"height\":89,\"caption\":\"CD Valet\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#\\\/schema\\\/person\\\/52e88985880d6a4d749ec1764b682dc7\",\"name\":\"Mary Grace Roske\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/MRoske-1-scaled.jpg\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/MRoske-1-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/MRoske-1-scaled.jpg\",\"caption\":\"Mary Grace Roske\"},\"description\":\"Mary Grace Roske is Head of Marketing &amp; Communications at CD Valet. She\u2019s spent her career in the money movement space, building brands and driving growth in community banking, correspondent banking, philanthropy and now fintech.\",\"sameAs\":[\"https:\\\/\\\/www.cdvalet.com\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/cd-valet\\\/\"],\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/author\\\/dlm\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Is Your CD Rate Earning the Best Returns Possible in 2025?","description":"It'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","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/","og_locale":"en_US","og_type":"article","og_title":"Is Your CD Rate Earning the Best Returns Possible in 2025?","og_description":"It'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","og_url":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/","og_site_name":"CD Valet","article_published_time":"2025-02-12T18:46:39+00:00","article_modified_time":"2025-12-17T21:02:45+00:00","og_image":[{"width":460,"height":590,"url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png","type":"image\/png"}],"author":"Mary Grace Roske","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Mary Grace Roske","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/#article","isPartOf":{"@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/"},"author":{"name":"Mary Grace Roske","@id":"https:\/\/www.cdvalet.com\/insights\/#\/schema\/person\/52e88985880d6a4d749ec1764b682dc7"},"headline":"Is Your CD Rate in the Top 10%?: February 2025 APY Checkpoint Reveals the Gaps","datePublished":"2025-02-12T18:46:39+00:00","dateModified":"2025-12-17T21:02:45+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/"},"wordCount":281,"commentCount":0,"publisher":{"@id":"https:\/\/www.cdvalet.com\/insights\/#organization"},"image":{"@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png","articleSection":["Rate Trends"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/","url":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/","name":"Is Your CD Rate Earning the Best Returns Possible in 2025?","isPartOf":{"@id":"https:\/\/www.cdvalet.com\/insights\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/#primaryimage"},"image":{"@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png","datePublished":"2025-02-12T18:46:39+00:00","dateModified":"2025-12-17T21:02:45+00:00","description":"It'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","breadcrumb":{"@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/#primaryimage","url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png","contentUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png","width":460,"height":590},{"@type":"BreadcrumbList","@id":"https:\/\/www.cdvalet.com\/insights\/is-your-cd-rate-in-the-top-10-february-2025-apy-checkpoint-reveals-the-gaps\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cdvalet.com\/insights\/"},{"@type":"ListItem","position":2,"name":"Is Your CD Rate in the Top 10%?: February 2025 APY Checkpoint Reveals the Gaps"}]},{"@type":"WebSite","@id":"https:\/\/www.cdvalet.com\/insights\/#website","url":"https:\/\/www.cdvalet.com\/insights\/","name":"CD Valet","description":"Cd Valet","publisher":{"@id":"https:\/\/www.cdvalet.com\/insights\/#organization"},"alternateName":"CD Rates","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cdvalet.com\/insights\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.cdvalet.com\/insights\/#organization","name":"CD Valet","alternateName":"CD Rates","url":"https:\/\/www.cdvalet.com\/insights\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/insights\/#\/schema\/logo\/image\/","url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2023\/09\/cdvaletlogo.png","contentUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2023\/09\/cdvaletlogo.png","width":400,"height":89,"caption":"CD Valet"},"image":{"@id":"https:\/\/www.cdvalet.com\/insights\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.cdvalet.com\/insights\/#\/schema\/person\/52e88985880d6a4d749ec1764b682dc7","name":"Mary Grace Roske","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/blog\/wp-content\/uploads\/2023\/10\/MRoske-1-scaled.jpg","url":"https:\/\/www.cdvalet.com\/blog\/wp-content\/uploads\/2023\/10\/MRoske-1-scaled.jpg","contentUrl":"https:\/\/www.cdvalet.com\/blog\/wp-content\/uploads\/2023\/10\/MRoske-1-scaled.jpg","caption":"Mary Grace Roske"},"description":"Mary Grace Roske is Head of Marketing &amp; Communications at CD Valet. She\u2019s spent her career in the money movement space, building brands and driving growth in community banking, correspondent banking, philanthropy and now fintech.","sameAs":["https:\/\/www.cdvalet.com\/","https:\/\/www.linkedin.com\/company\/cd-valet\/"],"url":"https:\/\/www.cdvalet.com\/insights\/author\/dlm\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png",460,590,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17-150x150.png",150,150,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17-234x300.png",234,300,true],"medium_large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png",460,590,false],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17-327x420.png",327,420,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png",460,590,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png",460,590,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png",117,150,false],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/02\/Blog-Post-Image-17.png",55,70,false]},"uagb_author_info":{"display_name":"Mary Grace Roske","author_link":"https:\/\/www.cdvalet.com\/insights\/author\/dlm\/"},"uagb_comment_info":0,"uagb_excerpt":"[sp_wpcarousel id=&#8221;3503&#8243;] 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&hellip;","_links":{"self":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3648","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=3648"}],"version-history":[{"count":1,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3648\/revisions"}],"predecessor-version":[{"id":3659,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3648\/revisions\/3659"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media\/3667"}],"wp:attachment":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media?parent=3648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/categories?post=3648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/tags?post=3648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}