{"id":5088,"date":"2026-01-07T12:50:27","date_gmt":"2026-01-07T20:50:27","guid":{"rendered":"https:\/\/www.cdvalet.com\/blog\/?p=5088"},"modified":"2026-01-07T13:15:46","modified_gmt":"2026-01-07T21:15:46","slug":"what-cds-gained-the-most-traction-last-year","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/what-cds-gained-the-most-traction-last-year\/","title":{"rendered":"What CDs Gained the Most Traction Last Year?"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><strong>CD Valet\u2019s 2025 analysis highlights strong demand for short-term CDs and early signs of a flattening yield curve.<\/strong><\/h4>\n\n\n\n<p>Certificates of Deposit (CDs) had a resurgence in 2022 when interest rates jumped, and three years later, savers are continuing to seek out CDs amid a changing rate environment and a yield curve that is beginning to reward longer-term investments. Here is a look at standout CD rate trends from 2025 from our proprietary data. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2025 CD Activity Centered on Terms of 12 Months and Less<\/strong><\/h2>\n\n\n\n<p>\u201cLast year saw an increased interest in and demand for low-risk investment vehicles, with many turning to CDs to make the most of their savings,\u201d said Mary Grace Roske, Head of Marketing &amp; Communications at CD Valet. \u201cWhile we saw high engagement with shorter-term CD offerings last year, we expect there to be opportunities in early 2026 around both short- and long-term offerings as the yield curve shows signs of a return to normal.\u201d<\/p>\n\n\n\n<p>The review revealed that of the approximately 530 unique CD offers listed by our 60+ financial institution partners throughout the year, over 57% of those CD offers were for one year or less, demonstrating strong consumer and financial institution preference for short-term commitments. Despite the three FOMC rate cuts in 2025, our partner offerings remained competitive, with more than 60% of partner CD offerings greater or equal to 4.00% APY.<\/p>\n\n\n\n<p>Consumer engagement activity echoed this trend. CDs with 6- and 12-month terms received the most interest, with each accounting for 24% of click-through and application activity. Savers increasingly relied on our comparison tools, particularly the APY Checkpoint, to evaluate the competitiveness of rates. The APY Checkpoint is a real-time tool that helps consumers instantly see how their CD rate compares against the market, based on the over 40,000 rates in the marketplace from more than 5,000 banks and credit unions nationwide.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ongoing Uptick in Long-Term Rates<\/strong><\/h2>\n\n\n\n<p>Our data also showed that for the first time in over a year, in December of 2025, 60-month CDs saw the highest amount of APY increases compared to other standard-term CDs. Of all CD rate increases in December, 15% were for 60-month CDs. The CD terms with the second and third most APY increases were 36- and 24-month CDs, respectively.<\/p>\n\n\n\n<p>\u201cFollowing the three rate reductions by the FOMC last fall, we are now seeing institutions respond by rewarding savers for longer commitments when it comes to their CDs,\u201d says Roske.<\/p>\n\n\n\n<p>Our market intelligence tool also revealed average CD APY trends by state. As of 1\/05\/2026, Utah, Nevada, and North Dakota were the three states with the highest average CD yields, based on CDs offers from financial institutions based in those states. To help savers identify the best opportunities in their area, we launched our <a href=\"https:\/\/www.cdvalet.com\/blog\/best-cd-rates-by-state-map\/\">Best CD Rates by State Map<\/a>, an interactive U.S. map that highlights the top CD rates from banks and credit unions by state. Rates are updated twice daily via a seamless API connection, ensuring the data remains current and accurate.<\/p>\n\n\n\n<p>Roske continued, \u201cAs we head into the new year, we\u2019re seeing savers becoming even more vigilant about maximizing their savings. They are realizing that a little bit of research can go a long way, using our tools and real-time data to help them make better decisions that increase their earnings. At the same time, institutions across the country are taking steps to make their attractive offers more visible to gain deposits and new customers.\u201d<\/p>\n\n\n\n<p><strong>About CD Valet<\/strong>&nbsp;<\/p>\n\n\n\n<p>CD Valet is a digital marketplace featuring verified CD rates from federally insured banks and credit unions nationwide. We help savers compare thousands of CD offers and find competitive, predictable returns using real-time rate data and easy-to-use tools. Learn more at <a href=\"http:\/\/cdvalet.com\">cdvalet.com<\/a>. <\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>CD Valet\u2019s 2025 analysis highlights strong demand for short-term CDs and early signs of a flattening yield curve. Certificates of Deposit (CDs) had a resurgence in 2022 when interest rates jumped, and three years later, savers are continuing to seek out CDs amid a changing rate environment and a yield curve that is beginning to [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":5089,"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-5088","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 v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What CDs Gained the Most Traction Last Year? 2025 CD Trends - CD Valet<\/title>\n<meta name=\"description\" content=\"CD Valet\u2019s 2025 analysis reveals which CD terms gained the most traction, highlighting strong interest in short-term CDs and early signs longer-term opportunities may be emerging.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What CDs Gained the Most Traction Last Year? 2025 CD Trends - CD Valet\" \/>\n<meta property=\"og:description\" content=\"CD Valet\u2019s 2025 analysis reveals which CD terms gained the most traction, highlighting strong interest in short-term CDs and early signs longer-term opportunities may be emerging.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/\" \/>\n<meta property=\"og:site_name\" content=\"CD Valet\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-07T20:50:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-07T21:15:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cdvalet.com\/blog\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Madison Larimore\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Madison Larimore\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/\"},\"author\":{\"name\":\"Madison Larimore\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#\/schema\/person\/3c09568a36a4ba9298aa5ffcdd5af6ac\"},\"headline\":\"What CDs Gained the Most Traction Last Year?\",\"datePublished\":\"2026-01-07T20:50:27+00:00\",\"dateModified\":\"2026-01-07T21:15:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/\"},\"wordCount\":612,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png\",\"articleSection\":[\"Rate Trends\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/\",\"url\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/\",\"name\":\"What CDs Gained the Most Traction Last Year? 2025 CD Trends - CD Valet\",\"isPartOf\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png\",\"datePublished\":\"2026-01-07T20:50:27+00:00\",\"dateModified\":\"2026-01-07T21:15:46+00:00\",\"description\":\"CD Valet\u2019s 2025 analysis reveals which CD terms gained the most traction, highlighting strong interest in short-term CDs and early signs longer-term opportunities may be emerging.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#primaryimage\",\"url\":\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png\",\"contentUrl\":\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png\",\"width\":1500,\"height\":800,\"caption\":\"2025 Standout CD Trends\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.cdvalet.com\/insights\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What CDs Gained the Most Traction Last Year?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#website\",\"url\":\"https:\/\/www.cdvalet.com\/blog\/\",\"name\":\"CD Valet\",\"description\":\"Cd Valet\",\"publisher\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#organization\"},\"alternateName\":\"CD Rates\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cdvalet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#organization\",\"name\":\"CD Valet\",\"alternateName\":\"CD Rates\",\"url\":\"https:\/\/www.cdvalet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2023\/09\/cdvaletlogo.png\",\"contentUrl\":\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2023\/09\/cdvaletlogo.png\",\"width\":400,\"height\":89,\"caption\":\"CD Valet\"},\"image\":{\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#\/schema\/person\/3c09568a36a4ba9298aa5ffcdd5af6ac\",\"name\":\"Madison Larimore\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.cdvalet.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.cdvalet.com\/blog\/wp-content\/uploads\/2023\/10\/Madison-Larimore-Professional-Picture.png\",\"contentUrl\":\"https:\/\/www.cdvalet.com\/blog\/wp-content\/uploads\/2023\/10\/Madison-Larimore-Professional-Picture.png\",\"caption\":\"Madison Larimore\"},\"description\":\"Madison Larimore is CD Valet\u2019s Email Marketing Manager. With a background in lifecycle marketing for brands like T-Mobile and Dotdash Meredith, she\u2019s passionate about using data-driven storytelling to create meaningful connections with audiences.\",\"url\":\"https:\/\/www.cdvalet.com\/insights\/author\/mlarimorecdvalet-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What CDs Gained the Most Traction Last Year? 2025 CD Trends - CD Valet","description":"CD Valet\u2019s 2025 analysis reveals which CD terms gained the most traction, highlighting strong interest in short-term CDs and early signs longer-term opportunities may be emerging.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/","og_locale":"en_US","og_type":"article","og_title":"What CDs Gained the Most Traction Last Year? 2025 CD Trends - CD Valet","og_description":"CD Valet\u2019s 2025 analysis reveals which CD terms gained the most traction, highlighting strong interest in short-term CDs and early signs longer-term opportunities may be emerging.","og_url":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/","og_site_name":"CD Valet","article_published_time":"2026-01-07T20:50:27+00:00","article_modified_time":"2026-01-07T21:15:46+00:00","og_image":[{"width":1500,"height":800,"url":"https:\/\/www.cdvalet.com\/blog\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png","type":"image\/png"}],"author":"Madison Larimore","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Madison Larimore","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#article","isPartOf":{"@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/"},"author":{"name":"Madison Larimore","@id":"https:\/\/www.cdvalet.com\/blog\/#\/schema\/person\/3c09568a36a4ba9298aa5ffcdd5af6ac"},"headline":"What CDs Gained the Most Traction Last Year?","datePublished":"2026-01-07T20:50:27+00:00","dateModified":"2026-01-07T21:15:46+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/"},"wordCount":612,"commentCount":0,"publisher":{"@id":"https:\/\/www.cdvalet.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png","articleSection":["Rate Trends"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/","url":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/","name":"What CDs Gained the Most Traction Last Year? 2025 CD Trends - CD Valet","isPartOf":{"@id":"https:\/\/www.cdvalet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#primaryimage"},"image":{"@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png","datePublished":"2026-01-07T20:50:27+00:00","dateModified":"2026-01-07T21:15:46+00:00","description":"CD Valet\u2019s 2025 analysis reveals which CD terms gained the most traction, highlighting strong interest in short-term CDs and early signs longer-term opportunities may be emerging.","breadcrumb":{"@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#primaryimage","url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png","contentUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png","width":1500,"height":800,"caption":"2025 Standout CD Trends"},{"@type":"BreadcrumbList","@id":"https:\/\/www.cdvalet.com\/blog\/what-cds-gained-the-most-traction-last-year\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cdvalet.com\/insights\/"},{"@type":"ListItem","position":2,"name":"What CDs Gained the Most Traction Last Year?"}]},{"@type":"WebSite","@id":"https:\/\/www.cdvalet.com\/blog\/#website","url":"https:\/\/www.cdvalet.com\/blog\/","name":"CD Valet","description":"Cd Valet","publisher":{"@id":"https:\/\/www.cdvalet.com\/blog\/#organization"},"alternateName":"CD Rates","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cdvalet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.cdvalet.com\/blog\/#organization","name":"CD Valet","alternateName":"CD Rates","url":"https:\/\/www.cdvalet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2023\/09\/cdvaletlogo.png","contentUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2023\/09\/cdvaletlogo.png","width":400,"height":89,"caption":"CD Valet"},"image":{"@id":"https:\/\/www.cdvalet.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.cdvalet.com\/blog\/#\/schema\/person\/3c09568a36a4ba9298aa5ffcdd5af6ac","name":"Madison Larimore","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.cdvalet.com\/blog\/wp-content\/uploads\/2023\/10\/Madison-Larimore-Professional-Picture.png","contentUrl":"https:\/\/www.cdvalet.com\/blog\/wp-content\/uploads\/2023\/10\/Madison-Larimore-Professional-Picture.png","caption":"Madison Larimore"},"description":"Madison Larimore is CD Valet\u2019s Email Marketing Manager. With a background in lifecycle marketing for brands like T-Mobile and Dotdash Meredith, she\u2019s passionate about using data-driven storytelling to create meaningful connections with audiences.","url":"https:\/\/www.cdvalet.com\/insights\/author\/mlarimorecdvalet-com\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png",1500,800,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-370x320.png",370,320,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-574x306.png",574,306,true],"medium_large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-768x410.png",768,410,true],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-789x421.png",789,421,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png",1500,800,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png",1500,800,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-150x150.png",150,150,true],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-70x70.png",70,70,true],"bdpp-medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-640x480.png",640,480,true],"tptn_thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-75x75.png",75,75,true]},"uagb_author_info":{"display_name":"Madison Larimore","author_link":"https:\/\/www.cdvalet.com\/insights\/author\/mlarimorecdvalet-com\/"},"uagb_comment_info":0,"uagb_excerpt":"CD Valet\u2019s 2025 analysis highlights strong demand for short-term CDs and early signs of a flattening yield curve. Certificates of Deposit (CDs) had a resurgence in 2022 when interest rates jumped, and three years later, savers are continuing to seek out CDs amid a changing rate environment and a yield curve that is beginning to&hellip;","rttpg_featured_image_url":{"full":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png",1500,800,false],"landscape":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png",1500,800,false],"portraits":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png",1500,800,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-370x320.png",370,320,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-574x306.png",574,306,true],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-789x421.png",789,421,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png",1500,800,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px.png",1500,800,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-150x150.png",150,150,true],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-70x70.png",70,70,true],"bdpp-medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-1500-x-800-px-640x480.png",640,480,true],"tptn_thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/01\/2025-Trends-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":"CD Valet\u2019s 2025 analysis highlights strong demand for short-term CDs and early signs of a flattening yield curve. Certificates of Deposit (CDs) had a resurgence in 2022 when interest rates jumped, and three years later, savers are continuing to seek out CDs amid a changing rate environment and a yield curve that is beginning to&hellip;","_links":{"self":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/5088","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=5088"}],"version-history":[{"count":4,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/5088\/revisions"}],"predecessor-version":[{"id":5093,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/5088\/revisions\/5093"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media\/5089"}],"wp:attachment":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media?parent=5088"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/categories?post=5088"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/tags?post=5088"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}