{"id":4558,"date":"2025-11-05T14:38:49","date_gmt":"2025-11-05T22:38:49","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=4558"},"modified":"2026-04-08T10:02:48","modified_gmt":"2026-04-08T17:02:48","slug":"october-2025-ratewatcher-report","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/october-2025-ratewatcher-report\/","title":{"rendered":"CD Valet\u2019s October CD Rate Analysis Reveals that Despite Recent Federal Reserve Action, Many CD Rates Remain Competitive"},"content":{"rendered":"\n

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. The company today shared that over 3,600 of its tracked CD rates remain at or above the Federal Reserve\u2019s current upper limit of 4.00% APY.<\/p>\n\n\n\n

\u201cAs expected after the recent Fed rate cuts, CD yields in general continue to ease. However, there are still strong opportunities out there for savers \u2013 thousands of CDs tracked by CD Valet offer rates equal or greater to a 4.00% yield,\u201d says Mary Grace Roske, Head of Marketing and Communications for CD Valet. \u201cThis demonstrates that many banks and credit unions are standing out by offering attractive rates to generate deposits, with some promotional CDs emerging with particularly competitive terms. Savers should take action today to lock in these competitive rates.\u201d<\/p>\n\n\n\n

CD Valet\u2019s monthly RateWatcher report analyzes its digital marketplace which includes all CDs offered by financial institutions that publish their CD rates online. This analysis is based on CD Valet\u2019s comprehensive data which includes more than 38,500 retail CD rates, representing nearly 5,000 banks and credit unions. There were\u00a04,104 CD APY decreases in October, with an average drop of 22 basis points. This compares to 603 CD APY increases reported during the month averaging\u00a041 basis points.<\/p>\n\n\n\n

CD Valet\u2019s October analysis also found that the CD yield curve may be showing signs of flattening. The average APY across 60-month CD products is now higher than the averages for 24-, 36-, and 48-month CD products. This might indicate that financial institutions are slightly shifting their deposit strategies, offering higher rates for longer-term CDs.<\/p>\n\n\n\n

Other points of note from the October analysis include:<\/p>\n\n\n\n