{"id":3839,"date":"2025-05-12T15:50:03","date_gmt":"2025-05-12T22:50:03","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=3839"},"modified":"2025-12-17T13:06:54","modified_gmt":"2025-12-17T21:06:54","slug":"may-2025-apy-checkpoint-locking-in-strong-cd-yields-amid-economic-crosscurrents","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/may-2025-apy-checkpoint-locking-in-strong-cd-yields-amid-economic-crosscurrents\/","title":{"rendered":"May 2025 APY Checkpoint: Locking in Strong CD Yields Amid Economic Crosscurrents"},"content":{"rendered":"\n[sp_wpcarousel id=&#8221;3842&#8243;]\n\n\n\n<p class=\"wp-block-paragraph\">As we navigate the economic landscape in May, savers face a pivotal moment. With the Federal Reserve holding rates steady at 4.25% to 4.50% at the May meeting &#8212; market forecasters are projecting July will be the start of three rate reductions in 2025. This narrows the window to lock in a high-yield certificate of deposit (CD).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CD Valet\u2019s APY Checkpoint is a strategic resource designed to help CD savers ensure their standard term CD rates are among the top performers in the market.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding the APY Checkpoint<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">CD Valet\u2019s APY Checkpoint serves as a benchmark, comparing current or prospective standard term CD rates against the top 10% of Annual Percentage Yields (APYs) available. By leveraging data from over 4,100 financial institutions, this resource provides a comprehensive view of the market, ensuring you\u2019re not settling for subpar returns.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are you earning the highest returns possible?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Use the APY Checkpoint to see how your rate compares to the<a href=\"https:\/\/www.cdvalet.com\/\"> best available options<\/a>.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[sp_wpcarousel id=&#8221;3842&#8243;] As we navigate the economic landscape in May, savers face a pivotal moment. With the Federal Reserve holding rates steady at 4.25% to 4.50% at the May meeting &#8212; market forecasters are projecting July will be the start of three rate reductions in 2025. This narrows the window to lock in a high-yield [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3841,"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-3839","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>April APY Checkpoint: Maintain Financial Stability with Predictable Returns<\/title>\n<meta name=\"description\" content=\"As we navigate the economic landscape in May, savers face a pivotal moment. 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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\/05\/Blog-Post-APY-Checkpoint-1.png",460,590,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1-150x150.png",150,150,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1-234x300.png",234,300,true],"medium_large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1.png",460,590,false],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1-327x420.png",327,420,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1.png",460,590,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1.png",460,590,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1.png",117,150,false],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1.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;3842&#8243;] As we navigate the economic landscape in May, savers face a pivotal moment. With the Federal Reserve holding rates steady at 4.25% to 4.50% at the May meeting &#8212; market forecasters are projecting July will be the start of three rate reductions in 2025. This narrows the window to lock in a high-yield&hellip;","_links":{"self":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3839","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=3839"}],"version-history":[{"count":3,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3839\/revisions"}],"predecessor-version":[{"id":3849,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3839\/revisions\/3849"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media\/3841"}],"wp:attachment":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media?parent=3839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/categories?post=3839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/tags?post=3839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}