{"id":4772,"date":"2025-12-10T15:02:22","date_gmt":"2025-12-10T23:02:22","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=4772"},"modified":"2025-12-10T15:02:23","modified_gmt":"2025-12-10T23:02:23","slug":"cd-rate-outlook-december-2025-fomc-meeting","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/cd-rate-outlook-december-2025-fomc-meeting\/","title":{"rendered":"What\u2019s Next for CD Rates? CD Valet Offers Analysis Following Latest Federal Reserve Action"},"content":{"rendered":"\n

Over the last 30 days, approximately 10% of the 40,000+ CDs that CD Valet tracks decreased by an average of 23 basis points. This downward trend was in anticipation of the Federal Open Market Committee\u2019s (FOMC) .25% reduction in interest rates, announced earlier today.<\/p>\n\n\n\n

However, strong opportunities for savers remain. CD Valet still tracks more than 2,500 rates over 4.00% APY, and longer-term CDs are showing increasing yields.<\/p>\n\n\n\n

\u201cLeading up to the Federal Reserve\u2019s third rate cut this year, CD rates continued to move downward as expected,\u201d says Mary Grace Roske, Head of Marketing and Communications at CD Valet. \u201cHowever, for those willing to put in a little time to shop and compare, there are still chances to secure strong rates north of 4.00% APY. Savvy savers will also take notice that there are growing opportunities to be rewarded for longer-term offers.\u201d<\/p>\n\n\n\n

For the last six months, CD Valet reports that the median yield for 60-month CDs has only decreased by six basis points, while other standard and shorter-term CDs\u2019 median yields have shifted downward by significantly larger margins. For instance, the 12-month CD\u2019s median yield decreased by 28 basis points, and the 36-month\u2019s median yield decreased by 20 basis points.<\/p>\n\n\n\n

\u201cOur data shows that as the yield curve for CDs continues to flatten, savers are able to lock in better yields for longer,\u201d said Roske. \u201cAs we look to the new year, understanding the real-time shifts and trends of the CD market can help savers make their money work harder while allowing banks and credit unions to strategically price their deposit offerings to create a competitive advantage and drive deposits.\u201d<\/p>\n\n\n\n

About CD Valet<\/strong>\u00a0 <\/p>\n\n\n\n

CD Valet is a digital marketplace that connects consumers with top CD rates from banks and credit unions nationwide\u202fand enables financial institutions to efficiently and cost-effectively attract retail deposits. With CD Valet, banks and credit unions are empowered to digitally compete with the largest financial institutions, while consumers gain greater visibility and access to better rates. CD Valet offers\u202fover 40,000 CD rates, interest calculators and comparison tools for consumers\u202fand financial institutions can use its full suite of advertising, analytics, and account opening tools to support deposit acquisition. Visit\u202fwww.cdvalet.com<\/a>\u202ffor more information and check out CD Valet\u2019s Best CD Rates by State Map<\/a>\u00a0to maximize earnings on savings.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Over the last 30 days, approximately 10% of the 40,000+ CDs that CD Valet tracks decreased by an average of 23 basis points. This downward trend was in anticipation of the Federal Open Market Committee\u2019s (FOMC) .25% reduction in interest rates, announced earlier today. However, strong opportunities for savers remain. CD Valet still tracks more […]<\/p>\n","protected":false},"author":19,"featured_media":4773,"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],"tags":[],"class_list":["post-4772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rate-trends"],"acf":[],"yoast_head":"\nWhat the December 2025 Fed Decision Means for CD Rates - CD Valet<\/title>\n<meta name=\"description\" content=\"Over the last 30 days, approximately 10% of the 40,000+ CDs that CD Valet tracks decreased by an average of 23 basis points. 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This downward trend was in anticipation of the Federal Open Market Committee\u2019s (FOMC) .25% reduction in interest rates, announced earlier today. However, strong opportunities for savers remain. CD Valet still tracks more…","rttpg_featured_image_url":{"full":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px.png",1500,800,false],"landscape":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px.png",1500,800,false],"portraits":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px.png",1500,800,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px-370x320.png",370,320,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px-574x306.png",574,306,true],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px-789x421.png",789,421,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px.png",1500,800,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px.png",1500,800,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px-150x150.png",150,150,true],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px-70x70.png",70,70,true],"bdpp-medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px-640x480.png",640,480,true],"tptn_thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2025\/12\/Copy-of-Rate-Cut-Email-1500-x-800-px-75x75.png",75,75,true]},"rttpg_author":{"display_name":"Madison Larimore","author_link":"https:\/\/www.cdvalet.com\/insights\/author\/mlarimorecdvalet-com\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.cdvalet.com\/insights\/category\/rate-trends\/\" rel=\"category tag\">Rate Trends<\/a>","rttpg_excerpt":"Over the last 30 days, approximately 10% of the 40,000+ CDs that CD Valet tracks decreased by an average of 23 basis points. This downward trend was in anticipation of the Federal Open Market Committee\u2019s (FOMC) .25% reduction in interest rates, announced earlier today. However, strong opportunities for savers remain. CD Valet still tracks more…","_links":{"self":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/4772","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\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/comments?post=4772"}],"version-history":[{"count":1,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/4772\/revisions"}],"predecessor-version":[{"id":4774,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/4772\/revisions\/4774"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media\/4773"}],"wp:attachment":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media?parent=4772"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/categories?post=4772"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/tags?post=4772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}