{"id":6332,"date":"2026-08-04T14:32:00","date_gmt":"2026-08-04T21:32:00","guid":{"rendered":"https:\/\/www.cdvalet.com\/insights\/?p=6332"},"modified":"2026-09-01T16:25:51","modified_gmt":"2026-09-01T23:25:51","slug":"cd-rate-forecast","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/","title":{"rendered":"CD Rate Forecast: Are CD Rates Going Up in 2026?"},"content":{"rendered":"\r\n

Updated September 2026<\/p>\r\n\r\n\r\n\r\n

CD rates are moving higher in the latest 2026 data. Approximately 82% of the rates that changed were increases, with 585 increases and 126 decreases. The absolute highest verified CD rate is 9.00% Annual Percentage Yield (APY) from a credit union, while the highest verified bank CD rate is 4.60% APY. Last updated September 1, 2026.<\/p>\r\n\r\n\r\n\r\n

Are CD Rates Going Up In 2026?<\/h2>\r\n\r\n\r\n\r\n

CD rates are trending upward, although the pace of increases slowed slightly in August compared with July. The Fed held its target range at 3.50 percent to 3.75 percent, while competition for deposits by banks and credit unions supported a market where rate increases substantially outnumber decreases.<\/p>\r\n

At the end of August, approximately 82% of changed rates moved higher. The number of tracked rates offering at least 4.00% APY also increased by 131 to 3,045.<\/p>\r\n

The broader trend remains strongly tilted toward increases. In the June reporting cycle, more than two-thirds of rate changes were increases. That share climbed to 83.7 percent in July before edging down slightly to 82.3 percent in the latest August 24 update.<\/p>\r\n

\r\n\r\n<\/p>\r\n

CD Rate Trends Over The Last 12 Months<\/h2>\r\n

\r\n\r\n<\/p>\r\n

12-month term<\/h3>\r\n

\r\n\r\n<\/p>\r\n

\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/td>\r\n<\/tr>\r\n
August 2026<\/td>\r\n2.79% APY*<\/td>\r\n<\/tr>\r\n
July 2026<\/td>\r\n2.77% APY*<\/td>\r\n<\/tr>\r\n
June 2026<\/td>\r\n2.75% APY*<\/td>\r\n<\/tr>\r\n
May 2026<\/td>\r\n2.73% APY*<\/td>\r\n<\/tr>\r\n
April 2026<\/td>\r\n2.72% APY*<\/td>\r\n<\/tr>\r\n
March 2026<\/td>\r\n2.71% APY*<\/td>\r\n<\/tr>\r\n
February 2026<\/td>\r\n2.71% APY*<\/td>\r\n<\/tr>\r\n
January 2026<\/td>\r\n2.73% APY*<\/td>\r\n<\/tr>\r\n
December 2025<\/td>\r\n2.75% APY*<\/td>\r\n<\/tr>\r\n
November 2025<\/td>\r\n2.77% APY*<\/td>\r\n<\/tr>\r\n
October 2025<\/td>\r\n2.79% APY*<\/td>\r\n<\/tr>\r\n
September 2025<\/td>\r\n2.83% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n

\r\n\r\n<\/p>\r\n

24-month term<\/h3>\r\n

\r\n\r\n<\/p>\r\n

\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/td>\r\n<\/tr>\r\n
August 2026<\/td>\r\n2.68% APY*<\/td>\r\n<\/tr>\r\n
July 2026<\/td>\r\n2.66% APY*<\/td>\r\n<\/tr>\r\n
June 2026<\/td>\r\n2.63% APY*<\/td>\r\n<\/tr>\r\n
May 2026<\/td>\r\n2.61% APY*<\/td>\r\n<\/tr>\r\n
April 2026<\/td>\r\n2.60% APY*<\/td>\r\n<\/tr>\r\n
March 2026<\/td>\r\n2.59% APY*<\/td>\r\n<\/tr>\r\n
February 2026<\/td>\r\n2.59% APY*<\/td>\r\n<\/tr>\r\n
January 2026<\/td>\r\n2.59% APY*<\/td>\r\n<\/tr>\r\n
December 2025<\/td>\r\n2.60% APY*<\/td>\r\n<\/tr>\r\n
November 2025<\/td>\r\n2.60% APY*<\/td>\r\n<\/tr>\r\n
October 2025<\/td>\r\n2.61% APY*<\/td>\r\n<\/tr>\r\n
September 2025<\/td>\r\n2.64% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n

\r\n\r\n<\/p>\r\n

36-month term<\/h3>\r\n

\r\n\r\n<\/p>\r\n

\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/td>\r\n<\/tr>\r\n
August 2026<\/td>\r\n2.63% APY*<\/td>\r\n<\/tr>\r\n
July 2026<\/td>\r\n2.61% APY*<\/td>\r\n<\/tr>\r\n
June 2026<\/td>\r\n2.58% APY*<\/td>\r\n<\/tr>\r\n
May 2026<\/td>\r\n2.56% APY*<\/td>\r\n<\/tr>\r\n
April 2026<\/td>\r\n2.55% APY*<\/td>\r\n<\/tr>\r\n
March 2026<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
February 2026<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
January 2026<\/td>\r\n2.53% APY*<\/td>\r\n<\/tr>\r\n
December 2025<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
November 2025<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
October 2025<\/td>\r\n2.55% APY*<\/td>\r\n<\/tr>\r\n
September 2025<\/td>\r\n2.57% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n

\r\n\r\n<\/p>\r\n

48-month term<\/h3>\r\n

\r\n\r\n<\/p>\r\n

\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/td>\r\n<\/tr>\r\n
August 2026<\/td>\r\n2.64% APY*<\/td>\r\n<\/tr>\r\n
July 2026<\/td>\r\n2.61% APY*<\/td>\r\n<\/tr>\r\n
June 2026<\/td>\r\n2.59% APY*<\/td>\r\n<\/tr>\r\n
May 2026<\/td>\r\n2.57% APY*<\/td>\r\n<\/tr>\r\n
April 2026<\/td>\r\n2.56% APY*<\/td>\r\n<\/tr>\r\n
March 2026<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
February 2026<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
January 2026<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
December 2025<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
November 2025<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
October 2025<\/td>\r\n2.54% APY*<\/td>\r\n<\/tr>\r\n
September 2025<\/td>\r\n2.56% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n

\r\n\r\n<\/p>\r\n

60-month term<\/h3>\r\n

\r\n\r\n<\/p>\r\n

\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/td>\r\n<\/tr>\r\n
August 2026<\/td>\r\n2.71% APY*<\/td>\r\n<\/tr>\r\n
July 2026<\/td>\r\n2.69% APY*<\/td>\r\n<\/tr>\r\n
June 2026<\/td>\r\n2.67% APY*<\/td>\r\n<\/tr>\r\n
May 2026<\/td>\r\n2.64% APY*<\/td>\r\n<\/tr>\r\n
April 2026<\/td>\r\n2.63% APY*<\/td>\r\n<\/tr>\r\n
March 2026<\/td>\r\n2.62% APY*<\/td>\r\n<\/tr>\r\n
February 2026<\/td>\r\n2.62% APY*<\/td>\r\n<\/tr>\r\n
January 2026<\/td>\r\n2.61% APY*<\/td>\r\n<\/tr>\r\n
December 2025<\/td>\r\n2.62% APY*<\/td>\r\n<\/tr>\r\n
November 2025<\/td>\r\n2.62% APY*<\/td>\r\n<\/tr>\r\n
October 2025<\/td>\r\n2.62% APY*<\/td>\r\n<\/tr>\r\n
September 2025<\/td>\r\n2.64% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n

\r\n\r\n<\/p>\r\n

*Annual Percentage Yield
1<\/sup> National average based on CD Valet’s latest rate surveys of 40,000+ rates. Rates are based on publicly available data for CD products and updated as often as daily.<\/p>\r\n

\r\n\r\n<\/p>\r\n

What Happens to CD Rates When the Fed Cuts Rates?<\/h2>\r\n

\r\n\r\n<\/p>\r\n

A Fed cut would generally put downward pressure on newly offered CD APYs, while existing fixed-rate CDs would keep their stated rates until maturity. However, banks and credit unions do not necessarily change CD rates at the same speed or by the same amount.<\/p>\r\n

The Fed most recently held its target range at 3.50 percent to 3.75 percent, with three FOMC members dissenting in favor of a 25-basis-point increase. With inflation remaining above target, economic growth holding up and the labor market relatively stable, lower rates may be less likely in the near term. Competition for deposits could also push some CD rates higher regardless of what the Fed does.<\/p>\r\n

The next FOMC meeting is scheduled for September 15\u201316, 2026.<\/p>\r\n

\r\n\r\n<\/p>\r\n

Should You Lock In A CD Rate Now?<\/h2>\r\n

\r\n\r\n<\/p>\r\n

Locking in a CD can protect your yield if rates unexpectedly decline, but the latest economic data suggest caution about locking money away for very long periods.<\/p>\r\n

Shorter maturities may provide a balance between securing today\u2019s yield and maintaining flexibility if higher rates become available. A CD ladder can also spread deposits across several maturity dates, combining yield protection with periodic opportunities to compare new offers.<\/p>\r\n

The relatively flat CD yield curve currently gives savers additional flexibility, with competitive rates available across a wide range of maturities.<\/p>\r\n

\r\n\r\n<\/p>\r\n

CD Rate Forecast By Term<\/h2>\r\n

\r\n\r\n<\/p>\r\n

Over the 30 days ending August 24, the top 1 percent of 12- and 24-month CD rates moved higher, while six-month rates were unchanged.<\/p>\r\n

\r\n\r\n<\/p>\r\n

\r\n\r\n\r\n\r\n\r\n\r\n\r\n
Term<\/td>\r\nMovement<\/td>\r\nDifference<\/td>\r\n<\/tr>\r\n
6-month CDs<\/td>\r\n4.20 to 4.20 percent<\/td>\r\nNo change<\/td>\r\n<\/tr>\r\n
12-month CDs<\/td>\r\n4.15 to 4.20 percent<\/td>\r\nup 5 basis points<\/td>\r\n<\/tr>\r\n
24-month CDs<\/td>\r\n4.10 to 4.20 percent<\/td>\r\nup 10 basis points<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n

\r\n\r\n<\/p>\r\n

How CD Valet Forecasts and Verifies Rates<\/h2>\r\n

\r\n\r\n<\/p>\r\n

Every CD rate listed on CD Valet is verified with publicly available data from federally insured banks and institutions. Rates are directly sourced and verified through a combination of daily manual reviews and structured data checks to ensure accuracy, availability and transparency.<\/p>\r\n

\r\n\r\n<\/p>\r\n

CD Valet operates as a comprehensive CD marketplace, featuring over 40,000 rates from nearly 5,000 federally insured banks and credit unions. Rates are updated as often as daily, including after every FOMC meeting. Learn more about CD Valet’s data verification policy<\/a>.<\/p>\r\n

\r\n\r\n<\/p>\r\n

FAQ<\/h2>\r\n

\r\n\r\n<\/p>\r\n

\r\n
Are CD rates going up in 2026?<\/strong>\r\n

Yes. CD rates are going up in the latest 2026 data, although the pace of increases slowed slightly in August compared with July.<\/p>\r\n<\/div>\r\n

Should I lock in a CD rate now?<\/strong>\r\n

Locking in a CD rate now can protect your yield if deposit rates unexpectedly decline, but stable or higher rates remain possible. Shorter maturities allow savers to reconsider available rates sooner. A CD ladder can also divide deposits among several maturity dates, combining yield protection with periodic opportunities to compare new offers.<\/p>\r\n<\/div>\r\n

What happens to CD rates if the Fed cuts rates?<\/strong>\r\n

CD rates would generally face downward pressure if the Federal Reserve cuts rates, although institutions may not adjust rates for all CD terms uniformly. Existing fixed-rate CDs would continue paying their stated APYs until maturity.

The Fed most recently held its target range at 3.50 percent to 3.75 percent, with three policymakers voting instead for a 25-basis-point increase. With inflation still above target, economic growth holding up and the labor market relatively stable, current conditions could support unchanged or higher rates rather than an immediate reduction.<\/p>\r\n<\/div>\r\n

Will CD rates drop after the next FOMC meeting?<\/strong>\r\n

Not necessarily. While Federal Reserve decisions affect CD rates, the FOMC is only one (albeit important) factor determining what banks and credit unions pay depositors. Financial institutions also set rates based on their own funding strategies, loan demand and competition for deposits. This means CD rates could remain stable or even rise regardless of what the FOMC does at its September meeting. Savers looking for yield may benefit from comparing offers from the largest national institutions, and then compare those to CDs available from community banks, credit unions and other local banking providers.<\/p>\r\n<\/div>\r\n

Where can I find historical CD rate trends?<\/strong>\r\n

CD Valet\u2019s Rate Trends Reports track how CD rates change over time. Recent data show the share of increases climbing from more than two-thirds in the June reporting cycle to 83.7 percent in July before edging slightly lower to 82.3 percent in the latest August 24 update.<\/p>\r\n<\/div>\r\n

Which CD terms are rising fastest in 2026?<\/strong>\r\n

24-month CDs rose the most in the latest 30-day data. The 99th-percentile APY for 24-month CDs increased 10 basis points, from 4.10 percent to 4.20 percent. Twelve-month CDs increased 5 basis points, from 4.15 percent to 4.20 percent, while 6-month CDs remained unchanged at 4.20 percent.<\/p>\r\n<\/div>\r\n

How often does CD Valet update its CD rates?<\/strong>\r\n

Every CD rate listed on CD Valet is verified with publicly available data from federally insured banks and institutions. Rates are directly sourced and verified through a combination of daily manual reviews and structured data checks to ensure accuracy, availability and transparency.<\/p>\r\n<\/div>\r\n

What is the CD rate forecast for the rest of 2026?<\/strong>\r\n

CD rates could remain stable or move higher through the rest of 2026. Inflation remains above the Federal Reserve\u2019s target, economic growth is holding up, and three Fed policymakers voted for a rate increase at the latest FOMC meeting. Those conditions could reduce the likelihood of lower interest rates in the near term. Regardless of what the Fed does, continued competition among banks and credit unions for deposits could also push CD rates higher.<\/p>\r\n<\/div>\r\n

Are longer-term CDs worth it if rates might fall?<\/strong>\r\n

Longer-term CDs can protect a stated APY if rates fall, but they may cause savers to miss better offers if rates rise. The current relatively flat CD yield curve gives savers more flexibility because competitive rates are available across a wide range of maturities. Still, higher rates are the FOMC primary tool for combatting inflation they deem too high. Savers seeking flexibility may favor shorter maturities or a CD ladder, or combinations of CDs with fully liquid accounts, such as money markets or savings accounts, while recognizing that the appropriate structure depends on when they expect to need access to their money.<\/p>\r\n<\/div>\r\n<\/div>\r\n

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

Updated September 2026 CD rates are moving higher in the latest 2026 data. Approximately 82% of the rates that changed were increases, with 585 increases and 126 decreases. The absolute highest verified CD rate is 9.00% Annual Percentage Yield (APY) from a credit union, while the highest verified bank CD rate is 4.60% APY. Last […]<\/p>\n","protected":false},"author":3,"featured_media":6402,"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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","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":[29,61,33,62],"tags":[],"class_list":["post-6332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-page","category-rate-forecast","category-rate-trends","category-ratewatcher-report"],"acf":[],"yoast_head":"\nCD Rate Forecast: Are CD Rates Going Up in 2026? - CD Valet<\/title>\n<meta name=\"description\" content=\"Updated September 2026 CD rates are moving higher in the latest 2026 data. 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See if rates are rising, which terms lead, and whether to lock in now.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/\" \/>\n<meta property=\"og:site_name\" content=\"CD Valet\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-04T21:32:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-01T23:25:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Matt Doffing\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Matt Doffing\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/\"},\"author\":{\"name\":\"Matt Doffing\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#\\\/schema\\\/person\\\/52e88985880d6a4d749ec1764b682dc7\"},\"headline\":\"CD Rate Forecast: Are CD Rates Going Up in 2026?\",\"datePublished\":\"2026-08-04T21:32:00+00:00\",\"dateModified\":\"2026-09-01T23:25:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/\"},\"wordCount\":1361,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Rate-Forecast-Blog-Header.png\",\"articleSection\":[\"Home Page\",\"Rate Forecast\",\"Rate Trends\",\"Ratewatcher Report\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#respond\"]}]},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/\",\"name\":\"CD Rate Forecast: Are CD Rates Going Up in 2026? - CD Valet\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Rate-Forecast-Blog-Header.png\",\"datePublished\":\"2026-08-04T21:32:00+00:00\",\"dateModified\":\"2026-09-01T23:25:51+00:00\",\"description\":\"Updated September 2026 CD rates are moving higher in the latest 2026 data. 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CD rates are going up in the latest 2026 data, although the pace of increases slowed slightly in August compared with July.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785268127009\",\"position\":2,\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785268127009\",\"name\":\"Should I lock in a CD rate now?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Locking in a CD rate now can protect your yield if deposit rates unexpectedly decline, but stable or higher rates remain possible. Shorter maturities allow savers to reconsider available rates sooner. A CD ladder can also divide deposits among several maturity dates, combining yield protection with periodic opportunities to compare new offers.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785268137586\",\"position\":3,\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785268137586\",\"name\":\"What happens to CD rates if the Fed cuts rates?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"CD rates would generally face downward pressure if the Federal Reserve cuts rates, although institutions may not adjust rates for all CD terms uniformly. Existing fixed-rate CDs would continue paying their stated APYs until maturity.<br><br>The Fed most recently held its target range at 3.50 percent to 3.75 percent, with three policymakers voting instead for a 25-basis-point increase. With inflation still above target, economic growth holding up and the labor market relatively stable, current conditions could support unchanged or higher rates rather than an immediate reduction.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785268148761\",\"position\":4,\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785268148761\",\"name\":\"Will CD rates drop after the next FOMC meeting?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not necessarily. While Federal Reserve decisions affect CD rates, the FOMC is only one (albeit important) factor determining what banks and credit unions pay depositors. Financial institutions also set rates based on their own funding strategies, loan demand and competition for deposits. This means CD rates could remain stable or even rise regardless of what the FOMC does at its September meeting. Savers looking for yield may benefit from comparing offers from the largest national institutions, and then compare those to CDs available from community banks, credit unions and other local banking providers.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785268159222\",\"position\":5,\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785268159222\",\"name\":\"Where can I find historical CD rate trends?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"CD Valet\u2019s RateWatcher Reports track how CD rates change over time. 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Twelve-month CDs increased 5 basis points, from 4.15 percent to 4.20 percent, while six-month CDs remained unchanged at 4.20 percent.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785774937329\",\"position\":7,\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-forecast\\\/#faq-question-1785774937329\",\"name\":\"How often does CD Valet update its CD rates?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"CD Valet updates CD rates as often as daily and refreshes its rate forecast after every Federal Reserve meeting. 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Approximately 82% of the rates that changed were increases, with 585 increases CD Valet's CD rate forecast for 2026, updated after every Fed meeting. See if rates are rising, which terms lead, and whether to lock in now.","breadcrumb":{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268115233"},{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268127009"},{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268137586"},{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268148761"},{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268159222"},{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268168088"},{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785774937329"},{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785774999859"},{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785775020750"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#primaryimage","url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header.png","contentUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header.png","width":1200,"height":628,"caption":"Rate Forecast 2026"},{"@type":"BreadcrumbList","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cdvalet.com\/insights\/"},{"@type":"ListItem","position":2,"name":"CD Rate Forecast: Are CD Rates Going Up in 2026?"}]},{"@type":"WebSite","@id":"https:\/\/www.cdvalet.com\/insights\/#website","url":"https:\/\/www.cdvalet.com\/insights\/","name":"CD Valet","description":"Cd Valet","publisher":{"@id":"https:\/\/www.cdvalet.com\/insights\/#organization"},"alternateName":"CD Rates","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cdvalet.com\/insights\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.cdvalet.com\/insights\/#organization","name":"CD Valet","alternateName":"CD Rates","url":"https:\/\/www.cdvalet.com\/insights\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/insights\/#\/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\/insights\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.cdvalet.com\/insights\/#\/schema\/person\/52e88985880d6a4d749ec1764b682dc7","name":"Matt Doffing","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/08\/Matt-D-200-x-200-prof.png","url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/08\/Matt-D-200-x-200-prof.png","contentUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/08\/Matt-D-200-x-200-prof.png","caption":"Matt Doffing"},"sameAs":["https:\/\/www.linkedin.com\/company\/cd-valet\/"],"url":"#molongui-disabled-link"},{"@type":"Question","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268115233","position":1,"url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268115233","name":"Are CD rates going up in 2026?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. CD rates are going up in the latest 2026 data, although the pace of increases slowed slightly in August compared with July.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268127009","position":2,"url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268127009","name":"Should I lock in a CD rate now?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Locking in a CD rate now can protect your yield if deposit rates unexpectedly decline, but stable or higher rates remain possible. Shorter maturities allow savers to reconsider available rates sooner. A CD ladder can also divide deposits among several maturity dates, combining yield protection with periodic opportunities to compare new offers.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268137586","position":3,"url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268137586","name":"What happens to CD rates if the Fed cuts rates?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"CD rates would generally face downward pressure if the Federal Reserve cuts rates, although institutions may not adjust rates for all CD terms uniformly. Existing fixed-rate CDs would continue paying their stated APYs until maturity.<br><br>The Fed most recently held its target range at 3.50 percent to 3.75 percent, with three policymakers voting instead for a 25-basis-point increase. With inflation still above target, economic growth holding up and the labor market relatively stable, current conditions could support unchanged or higher rates rather than an immediate reduction.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268148761","position":4,"url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268148761","name":"Will CD rates drop after the next FOMC meeting?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Not necessarily. While Federal Reserve decisions affect CD rates, the FOMC is only one (albeit important) factor determining what banks and credit unions pay depositors. Financial institutions also set rates based on their own funding strategies, loan demand and competition for deposits. This means CD rates could remain stable or even rise regardless of what the FOMC does at its September meeting. Savers looking for yield may benefit from comparing offers from the largest national institutions, and then compare those to CDs available from community banks, credit unions and other local banking providers.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268159222","position":5,"url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268159222","name":"Where can I find historical CD rate trends?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"CD Valet\u2019s RateWatcher Reports track how CD rates change over time. Recent data show the share of increases climbing from more than two-thirds in the June reporting cycle to 83.7 percent in July before edging slightly lower to 82.3 percent in the latest August 24 update.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268168088","position":6,"url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785268168088","name":"Which CD terms are rising fastest in 2026?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Twenty-four-month CDs rose the most in the latest 30-day data. The 99th-percentile APY for 24-month CDs increased 10 basis points, from 4.10 percent to 4.20 percent. Twelve-month CDs increased 5 basis points, from 4.15 percent to 4.20 percent, while six-month CDs remained unchanged at 4.20 percent.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785774937329","position":7,"url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785774937329","name":"How often does CD Valet update its CD rates?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"CD Valet updates CD rates as often as daily and refreshes its rate forecast after every Federal Reserve meeting. Rates come directly from financial institutions rather than lagged regulatory filings, and are verified through CD Valet's rate verification process across more than 40,000 rates from nearly 5,000 federally insured institutions.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785774999859","position":8,"url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785774999859","name":"What is the CD rate forecast for the rest of 2026?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"CD rates could remain stable or move higher through the rest of 2026. Inflation remains above the Federal Reserve\u2019s target, economic growth is holding up, and three Fed policymakers voted for a rate increase at the latest FOMC meeting. Those conditions could reduce the likelihood of lower interest rates in the near term. Regardless of what the Fed does, continued competition among banks and credit unions for deposits could also push CD rates higher","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785775020750","position":9,"url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/#faq-question-1785775020750","name":"Are longer-term CDs worth it if rates might fall?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Longer-term CDs can protect a stated APY if rates fall, but they may cause savers to miss better offers if rates rise. The current relatively flat CD yield curve gives savers more flexibility because competitive rates are available across a wide range of maturities. Still, higher rates are the FOMC primary tool for combatting inflation they deem too high. Savers seeking flexibility may favor shorter maturities or a CD ladder, or combinations of CDs with fully liquid accounts, such as money markets or savings accounts, while recognizing that the appropriate structure depends on when they expect to need access to their money.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header.png",1200,628,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header-370x320.png",370,320,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header-574x300.png",574,300,true],"medium_large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header-768x402.png",768,402,true],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header-804x421.png",804,421,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header.png",1200,628,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header.png",1200,628,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header-150x150.png",150,150,true],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header-70x70.png",70,70,true]},"uagb_author_info":{"display_name":"Matt Doffing","author_link":"#molongui-disabled-link"},"uagb_comment_info":0,"uagb_excerpt":"Updated September 2026 CD rates are moving higher in the latest 2026 data. Approximately 82% of the rates that changed were increases, with 585 increases and 126 decreases. The absolute highest verified CD rate is 9.00% Annual Percentage Yield (APY) from a credit union, while the highest verified bank CD rate is 4.60% APY. Last…","_links":{"self":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6332","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=6332"}],"version-history":[{"count":28,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6332\/revisions"}],"predecessor-version":[{"id":6857,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6332\/revisions\/6857"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media\/6402"}],"wp:attachment":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media?parent=6332"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/categories?post=6332"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/tags?post=6332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}