{"id":3869,"date":"2025-06-12T12:31:55","date_gmt":"2025-06-12T19:31:55","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=3869"},"modified":"2025-12-17T13:06:31","modified_gmt":"2025-12-17T21:06:31","slug":"may-2025-apy-checkpoint-locking-in-strong-cd-yields-amid-economic-crosscurrents-2","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/may-2025-apy-checkpoint-locking-in-strong-cd-yields-amid-economic-crosscurrents-2\/","title":{"rendered":"May 2025 APY Checkpoint: Locking in Strong CD Yields Amid Economic Crosscurrents"},"content":{"rendered":"\n<style id=\"wp_carousel_dynamic_css3842\">.sp-wp-carousel-free-id-3842.wpcf-fancybox-wrapper .fancybox-bg{background: #0b0b0b;opacity: 0.8;}.sp-wp-carousel-free-id-3842.wpcf-fancybox-wrapper .fancybox-navigation .fancybox-button .wpcp-fancybox-nav-arrow i {color: #ccc;}.sp-wp-carousel-free-id-3842.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-3842\" class=\"wpcp-carousel-section sp-wpcp-3842  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\/05\/May25-12-APY-Checkpoint-Blog-768x644.png' href=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/May25-12-APY-Checkpoint-Blog.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\/05\/May25-12-APY-Checkpoint-Blog-768x644.png\" alt=\"May25-12-APY-Checkpoint-Blog\" 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 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href=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/May25-36-APY-Checkpoint-Blog.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\/05\/May25-36-APY-Checkpoint-Blog-768x644.png\" alt=\"May25-36-APY-Checkpoint-Blog\" 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\/05\/May25-48-APY-Checkpoint-Blog-768x644.png' href=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/May25-48-APY-Checkpoint-Blog.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\/05\/May25-48-APY-Checkpoint-Blog-768x644.png\" alt=\"May25-48-APY-Checkpoint-Blog\" 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\/05\/May25-60-APY-Checkpoint-Blog-768x644.png' href=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/May25-60-APY-Checkpoint-Blog.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\/05\/May25-60-APY-Checkpoint-Blog-768x644.png\" alt=\"May25-60-APY-Checkpoint-Blog\" 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>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, 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>Make sure you&#8217;re earning the highest returns possible. Use this month&#8217;s APY Checkpoint to determine whether your <a href=\"http:\/\/www.cdvalet.com\">CD rate<\/a> is amongst the most competitive rates available.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to use the APY Checkpoint<\/h2>\n\n\n\n<p>CD Valet\u2019s APY Checkpoint is a monthly check-in designed to help you evaluate whether your CD rate is among the most competitive rates in the market. Use the Checkpoint to view the benchmark for rates that are in the top 10% of highest-yielding CDs on CD Valet, so you can determine the best CD rate to lock in. <\/p>\n\n\n\n<p>Don&#8217;t settle for less when your money could be doing more. Find out which CD rates are aligned with the top of the market so you don&#8217;t leave money on the table.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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, 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 [&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":"","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":[33,18,9],"tags":[],"class_list":["post-3869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rate-trends","category-saver-insights","category-straight-up-rates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\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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This narrows the window to lock in a high-yield certificate of deposit&hellip;","rttpg_featured_image_url":{"full":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1.png",460,590,false],"landscape":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1.png",460,590,false],"portraits":["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],"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],"bdpp-medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1.png",374,480,false],"tptn_thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/05\/Blog-Post-APY-Checkpoint-1-75x75.png",75,75,true]},"rttpg_author":{"display_name":"Mary Grace Roske","author_link":"https:\/\/www.cdvalet.com\/insights\/author\/dlm\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.cdvalet.com\/insights\/category\/rate-trends\/\" rel=\"category tag\">Rate Trends<\/a> <a href=\"https:\/\/www.cdvalet.com\/insights\/category\/saver-insights\/\" rel=\"category tag\">Saver Insights<\/a> <a href=\"https:\/\/www.cdvalet.com\/insights\/category\/straight-up-rates\/\" rel=\"category tag\">Straight Up Rates<\/a>","rttpg_excerpt":"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, 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&hellip;","_links":{"self":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3869","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=3869"}],"version-history":[{"count":1,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3869\/revisions"}],"predecessor-version":[{"id":3873,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3869\/revisions\/3873"}],"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=3869"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/categories?post=3869"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/tags?post=3869"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}