{"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":"2026-08-04T14:32:00","modified_gmt":"2026-08-04T21:32:00","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 August 2026<\/p>\r\n\r\n\r\n\r\n

CD rates are moving higher in the latest 2026 data. Nearly 81 percent of the rates that changed on CD Valet’s marketplace were increases, with 2,271 increases and 548 decreases (July 1-30 2026 period). The top verified CD rate is 9.00% Annual Percentage Yield (APY) on a 9-month CD from Southland Credit Union (Insured by NCUA); the top bank APY is 4.60% APY on a 6-month CD from Wintrust Bank (Member FDIC). Last updated August 4, 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. The Fed held its target range at 3.50 percent to 3.75 percent, while competition for deposits helped increases outnumber decreases by more than five to one. The median APY rose 5 basis points over 30 days and 10 basis points over six months<\/span><\/a>.<\/p>\r\n\r\n\r\n\r\n

The latest results continue a strengthening upward trend. In the May reporting cycle, covering April 1 through April 30, approximately 54 percent of CD rate changes were increases and 46 percent were decreases. In the June reporting cycle, covering May 1 through May 31, more than two-thirds of all changes were increases. That share reached nearly 81 percent in the latest monthly update entering August.<\/p>\r\n\r\n\r\n\r\n

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

12-month term<\/h3>\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\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/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
August 2025<\/td>\r\n2.92% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n

24-month term<\/h3>\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\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/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
August 2025<\/td>\r\n2.71% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n

36-month term<\/h3>\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\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/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
August 2025<\/td>\r\n2.62% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n

48-month term<\/h3>\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\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/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
August 2025<\/td>\r\n2.60% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n

60-month term<\/h3>\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\r\n\r\n\r\n
Month<\/td>\r\nAverage CD Rate (National Average1<\/sup>)<\/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
August 2025<\/td>\r\n2.67% APY*<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\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\r\n

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

A Fed cut would generally put downward pressure on new CD APYs, while existing fixed-rate CDs would keep their stated rates until maturity. After the Fed\u2019s July hold, CD Valet recorded 539 increases and 105 decreases. The next FOMC meeting is scheduled for September 15\u201316, 2026.<\/p>\r\n\r\n\r\n\r\n

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

Locking in a CD can protect yield if rates unexpectedly fall, but very long terms may limit flexibility if rates rise. Shorter maturities allow savers to compare offers again sooner, while a CD ladder spreads deposits across several maturity dates and combines yield protection with periodic access to funds.<\/p>\r\n\r\n\r\n\r\n

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

Over the latest 30-day period, the 99th-percentile rate increased across maturities (data as of 8\/1\/2026).<\/p>\r\n\r\n\r\n\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\n4.15 to 4.20 percent<\/td>\r\nup 5 basis points<\/td>\r\n<\/tr>\r\n
12-month CDs<\/td>\r\n4.11 to 4.15 percent<\/td>\r\nup 4 basis points<\/td>\r\n<\/tr>\r\n
24-month CDs<\/td>\r\n4.07 to 4.10 percent<\/td>\r\nup 3 basis points<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n

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

FAQ<\/h2>\r\n\r\n\r\n\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. During the most recent week, 539 existing rates increased and 105 decreased, so increases outnumbered decreases by more than five to one. CD Valet\u2019s median APY reached 3.25 percent, up 5 basis points over 30 days and 10 basis points over six months. (Data as of 8\/4\/2026)<\/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 may face downward pressure if the Federal Reserve cuts rates, although institutions may not adjust rates for all CD terms uniformly. The Fed most recently held its target range at 3.50 percent to 3.75 percent. Current inflation, employment, and growth data suggest that unchanged or higher rates may be more likely than an immediate reduction.<\/p>\r\n<\/div>\r\n

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

CD rates will not necessarily drop after the next FOMC meeting. Their direction will depend partly on the Fed\u2019s decision, inflation, economic growth, and competition for deposits. Current data suggest rates could remain stable or rise modestly, particularly if the Fed holds or raises its target range and institutions continue competing for depositors.<\/p>\r\n<\/div>\r\n

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

CD Valet\u2019s RateWatcher Reports track how CD rates change over time. Recent data show the share of increases rising from about 54 percent in the May reporting cycle to more than two-thirds in June and nearly 81 percent in the latest update. The median APY also rose 10 basis points over six months.<\/p>\r\n<\/div>\r\n

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

Six-month CDs are rising fastest in the latest weekly data. The 99th-percentile\u00a06-month APY increased 5 basis points, from 4.15 percent to 4.20 percent, while the other terms remained unchanged for the week. Over 30 days, 12-month rates increased 4 basis points and 24-month rates increased 3 basis points.<\/p>\r\n<\/div>\r\n

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

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.<\/p>\r\n<\/div>\r\n

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

CD rates may remain stable or rise modestly through the rest of 2026 if inflation stays above target, economic growth remains strong, or financial institutions continue competing for deposits. The outlook could change as new data arrive, particularly because the initial 5.0 percent third-quarter GDPNow estimate may be revised substantially.<\/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. Current conditions make term choice especially important. Savers seeking flexibility may favor shorter maturities or a CD ladder, while recognizing that the appropriate structure depends on when they need access to their money.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"

Updated August 2026 CD rates are moving higher in the latest 2026 data. Nearly 81 percent of the rates that changed on CD Valet’s marketplace were increases, with 2,271 increases and 548 decreases (July 1-30 2026 period). The top verified CD rate is 9.00% Annual Percentage Yield (APY) on a 9-month CD from Southland Credit […]<\/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 August 2026 CD rates are moving higher in the latest 2026 data. 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Nearly 81 percent of the rates that changed on CD Valet's marketplace were CD Valet's CD rate forecast for 2026, updated after every Fed meeting. 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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 may face downward pressure if the Federal Reserve cuts rates, although institutions may not adjust rates for all CD terms uniformly. The Fed most recently held its target range at 3.50 percent to 3.75 percent. Current inflation, employment, and growth data suggest that unchanged or higher rates may be more likely 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":"CD rates will not necessarily drop after the next FOMC meeting. Their direction will depend partly on the Fed\u2019s decision, inflation, economic growth, and competition for deposits. Current data suggest rates could remain stable or rise modestly, particularly if the Fed holds or raises its target range and institutions continue competing for depositors.","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 rising from about 54 percent in the May reporting cycle to more than two-thirds in June and nearly 81 percent in the latest update. The median APY also rose 10 basis points over six months.","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":"Six-month CDs are rising fastest in the latest weekly data. The 99th-percentile\u00a06-month APY increased 5 basis points, from 4.15 percent to 4.20 percent, while the other terms remained unchanged for the week. Over 30 days, 12-month rates increased 4 basis points and 24-month rates increased 3 basis points.","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 may remain stable or rise modestly through the rest of 2026 if inflation stays above target, economic growth remains strong, or financial institutions continue competing for deposits. The outlook could change as new data arrive, particularly because the initial 5.0 percent third-quarter GDPNow estimate may be revised substantially.","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. Current conditions make term choice especially important. Savers seeking flexibility may favor shorter maturities or a CD ladder, while recognizing that the appropriate structure depends on when they 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 August 2026 CD rates are moving higher in the latest 2026 data. Nearly 81 percent of the rates that changed on CD Valet’s marketplace were increases, with 2,271 increases and 548 decreases (July 1-30 2026 period). The top verified CD rate is 9.00% Annual Percentage Yield (APY) on a 9-month CD from Southland Credit…","_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":22,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6332\/revisions"}],"predecessor-version":[{"id":6455,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6332\/revisions\/6455"}],"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}]}}