{"id":3972,"date":"2025-08-06T12:00:54","date_gmt":"2025-08-06T19:00:54","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=3972"},"modified":"2025-12-17T14:41:52","modified_gmt":"2025-12-17T22:41:52","slug":"top-cd-rate-trends-to-watch-july","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/top-cd-rate-trends-to-watch-july\/","title":{"rendered":"Top CD Rate Trends To Watch In July"},"content":{"rendered":"\n<p>With potential Fed rate cuts ahead, FIs are leveraging the 12-month term to lock in deposits<\/p>\n\n\n\n<p><a href=\"https:\/\/www.cdvalet.com\/\">CD Valet<\/a> is a digital marketplace that connects consumers with the best CD rates and terms nationwide, helping community financial institutions effectively attract new deposits. Today, we are sharing CD rate trends for July. From July 1-July 31, 2025, the <a href=\"https:\/\/www.cdvalet.com\/\">12-month CD<\/a> saw the highest average increase at 41 (median increase was 20) basis points. The 12-month CD also had the highest average rate at 4.80% APY, when looking at the top 25 rates for each standard maturity.<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-6d692a83\"><h2 class=\"uagb-heading-text\"><strong>More CD Rates Falling Than Rising in July<\/strong><\/h2><\/div>\n\n\n\n<p>Last month we analyzed our digital marketplace of over 30,000 retail CD rates, representing over 4,000 banks and credit unions, to uncover patterns and trends. As of July 31, there were\u00a0584\u00a0rate APY increases reported during the month, averaging\u00a031\u00a0basis points. Of these increases, 57% impacted CDs with terms greater than one year, with a 24-month term being the most common. There were\u00a01,019\u00a0CD rate APY decreases in July, averaging 24 basis points.<\/p>\n\n\n\n<p><strong>Other points of note from the July analysis include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Approximately 36% of CD rate changes were increases. This reflects a reduction in rate hikes from the previous month; in June, 42% of CD rate changes were an increase.\n<ul class=\"wp-block-list\">\n<li>This is likely because even though the Federal Funds rate remained unchanged during July\u2019s Federal Open Market Committee (FOMC) meeting, many expect rate cuts to materialize this fall.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>The average credit union CD rate APY was approximately 16% higher than average bank CD rate APY.<\/li>\n\n\n\n<li>Of the institutions that increased CD rates, approximately 65% were credit unions while approximately 35% were banks.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-f42348d3\"><h2 class=\"uagb-heading-text\"><strong>12-Month CD Getting Consumer Attention<\/strong><\/h2><\/div>\n\n\n\n<p>\u201cWith strong consumer interest and competitive momentum in the deposit space, financial institutions should consider optimizing their 12-month CD offerings \u2013 both in terms of rate and visibility,\u201d said Mary Grace Roske, Head of Marketing at CD Valet. \u201cThe 12-month CD is well-positioned to attract rate-sensitive customers seeking short-term security, making it an effective tool for deposit growth. When combined with digital onboarding and ongoing engagement, it can also serve as a gateway to deeper, long-term customer relationships.\u201d<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-ea11e46d\"><h2 class=\"uagb-heading-text\"><strong>About CD Valet<\/strong><\/h2><\/div>\n\n\n\n<p>With <a href=\"https:\/\/www.cdvalet.com\/aboutus\">CD Valet<\/a>, banks and credit unions are empowered to digitally compete with the largest financial institutions in a marketplace that gives consumers access to more rates so they can earn better returns. CD Valet offers over 30,000 CD rates,<a href=\"https:\/\/www.cdvalet.com\/calculate\"> interest calculators<\/a> and comparison tools for consumers and financial institutions can use its full suite of advertising, analytics, and account opening tools to support deposit acquisition. Visit <a href=\"http:\/\/https\/www.cdvalet.com\">www.cdvalet.com<\/a> for more information.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With potential Fed rate cuts ahead, FIs are leveraging the 12-month term to lock in deposits CD Valet is a digital marketplace that connects consumers with the best CD rates and terms nationwide, helping community financial institutions effectively attract new deposits. Today, we are sharing CD rate trends for July. From July 1-July 31, 2025, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3973,"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],"tags":[],"class_list":["post-3972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rate-trends","category-saver-insights"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - 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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\/08\/July-Ratewatcher-Report-Blog-Image.png",460,590,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-150x150.png",150,150,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-234x300.png",234,300,true],"medium_large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",460,590,false],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-327x420.png",327,420,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",460,590,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",460,590,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",117,150,false],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",55,70,false],"bdpp-medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-460x480.png",460,480,true],"tptn_thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-75x75.png",75,75,true]},"uagb_author_info":{"display_name":"Mary Grace Roske","author_link":"https:\/\/www.cdvalet.com\/insights\/author\/dlm\/"},"uagb_comment_info":0,"uagb_excerpt":"With potential Fed rate cuts ahead, FIs are leveraging the 12-month term to lock in deposits CD Valet is a digital marketplace that connects consumers with the best CD rates and terms nationwide, helping community financial institutions effectively attract new deposits. Today, we are sharing CD rate trends for July. From July 1-July 31, 2025,&hellip;","rttpg_featured_image_url":{"full":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",460,590,false],"landscape":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",460,590,false],"portraits":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",460,590,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-150x150.png",150,150,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-234x300.png",234,300,true],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-327x420.png",327,420,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",460,590,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",460,590,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",117,150,false],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image.png",55,70,false],"bdpp-medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-460x480.png",460,480,true],"tptn_thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/08\/July-Ratewatcher-Report-Blog-Image-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>","rttpg_excerpt":"With potential Fed rate cuts ahead, FIs are leveraging the 12-month term to lock in deposits CD Valet is a digital marketplace that connects consumers with the best CD rates and terms nationwide, helping community financial institutions effectively attract new deposits. Today, we are sharing CD rate trends for July. From July 1-July 31, 2025,&hellip;","_links":{"self":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3972","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=3972"}],"version-history":[{"count":3,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3972\/revisions"}],"predecessor-version":[{"id":3976,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/3972\/revisions\/3976"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media\/3973"}],"wp:attachment":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media?parent=3972"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/categories?post=3972"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/tags?post=3972"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}