\r\nSeptember 2025<\/td>\r\n 2.83% 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\nMonth<\/td>\r\n Average CD Rate (National Average1<\/sup>)<\/td>\r\n<\/tr>\r\n\r\nAugust 2026<\/td>\r\n 2.68% APY*<\/td>\r\n<\/tr>\r\n \r\nJuly 2026<\/td>\r\n 2.66% APY*<\/td>\r\n<\/tr>\r\n \r\nJune 2026<\/td>\r\n 2.63% APY*<\/td>\r\n<\/tr>\r\n \r\nMay 2026<\/td>\r\n 2.61% APY*<\/td>\r\n<\/tr>\r\n \r\nApril 2026<\/td>\r\n 2.60% APY*<\/td>\r\n<\/tr>\r\n \r\nMarch 2026<\/td>\r\n 2.59% APY*<\/td>\r\n<\/tr>\r\n \r\nFebruary 2026<\/td>\r\n 2.59% APY*<\/td>\r\n<\/tr>\r\n \r\nJanuary 2026<\/td>\r\n 2.59% APY*<\/td>\r\n<\/tr>\r\n \r\nDecember 2025<\/td>\r\n 2.60% APY*<\/td>\r\n<\/tr>\r\n \r\nNovember 2025<\/td>\r\n 2.60% APY*<\/td>\r\n<\/tr>\r\n \r\nOctober 2025<\/td>\r\n 2.61% APY*<\/td>\r\n<\/tr>\r\n \r\nSeptember 2025<\/td>\r\n 2.64% 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\nMonth<\/td>\r\n Average CD Rate (National Average1<\/sup>)<\/td>\r\n<\/tr>\r\n\r\nAugust 2026<\/td>\r\n 2.63% APY*<\/td>\r\n<\/tr>\r\n \r\nJuly 2026<\/td>\r\n 2.61% APY*<\/td>\r\n<\/tr>\r\n \r\nJune 2026<\/td>\r\n 2.58% APY*<\/td>\r\n<\/tr>\r\n \r\nMay 2026<\/td>\r\n 2.56% APY*<\/td>\r\n<\/tr>\r\n \r\nApril 2026<\/td>\r\n 2.55% APY*<\/td>\r\n<\/tr>\r\n \r\nMarch 2026<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nFebruary 2026<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nJanuary 2026<\/td>\r\n 2.53% APY*<\/td>\r\n<\/tr>\r\n \r\nDecember 2025<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nNovember 2025<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nOctober 2025<\/td>\r\n 2.55% APY*<\/td>\r\n<\/tr>\r\n \r\nSeptember 2025<\/td>\r\n 2.57% 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\nMonth<\/td>\r\n Average CD Rate (National Average1<\/sup>)<\/td>\r\n<\/tr>\r\n\r\nAugust 2026<\/td>\r\n 2.64% APY*<\/td>\r\n<\/tr>\r\n \r\nJuly 2026<\/td>\r\n 2.61% APY*<\/td>\r\n<\/tr>\r\n \r\nJune 2026<\/td>\r\n 2.59% APY*<\/td>\r\n<\/tr>\r\n \r\nMay 2026<\/td>\r\n 2.57% APY*<\/td>\r\n<\/tr>\r\n \r\nApril 2026<\/td>\r\n 2.56% APY*<\/td>\r\n<\/tr>\r\n \r\nMarch 2026<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nFebruary 2026<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nJanuary 2026<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nDecember 2025<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nNovember 2025<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nOctober 2025<\/td>\r\n 2.54% APY*<\/td>\r\n<\/tr>\r\n \r\nSeptember 2025<\/td>\r\n 2.56% 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\nMonth<\/td>\r\n Average CD Rate (National Average1<\/sup>)<\/td>\r\n<\/tr>\r\n\r\nAugust 2026<\/td>\r\n 2.71% APY*<\/td>\r\n<\/tr>\r\n \r\nJuly 2026<\/td>\r\n 2.69% APY*<\/td>\r\n<\/tr>\r\n \r\nJune 2026<\/td>\r\n 2.67% APY*<\/td>\r\n<\/tr>\r\n \r\nMay 2026<\/td>\r\n 2.64% APY*<\/td>\r\n<\/tr>\r\n \r\nApril 2026<\/td>\r\n 2.63% APY*<\/td>\r\n<\/tr>\r\n \r\nMarch 2026<\/td>\r\n 2.62% APY*<\/td>\r\n<\/tr>\r\n \r\nFebruary 2026<\/td>\r\n 2.62% APY*<\/td>\r\n<\/tr>\r\n \r\nJanuary 2026<\/td>\r\n 2.61% APY*<\/td>\r\n<\/tr>\r\n \r\nDecember 2025<\/td>\r\n 2.62% APY*<\/td>\r\n<\/tr>\r\n \r\nNovember 2025<\/td>\r\n 2.62% APY*<\/td>\r\n<\/tr>\r\n \r\nOctober 2025<\/td>\r\n 2.62% APY*<\/td>\r\n<\/tr>\r\n \r\nSeptember 2025<\/td>\r\n 2.64% 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 Yield1<\/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
The Federal Reserve\u2019s Federal Open Market Committee increased rates at its September 16 meeting, reversing the direction of policy we have covered in recent months. The committee voted unanimously, 12\u20130, to raise the federal funds target range by 25 basis points to 3.75 percent to 4.00 percent. This is the Fed\u2019s first rate increase since 2023.<\/p>\r\n
Just as rate cuts generally push newly offered CD APYs lower, an increase tends to push them higher, although banks, credit unions, and CD terms would not necessarily respond at the same speed or by the same amount.<\/p>\r\n
CD rates are moving following the Fed\u2019s decision and could move further as policymakers\u2019 latest projections point to another rate increase this year. With the economy showing signs of strength as well, competition among banks and credit unions for deposits could also push CD rates higher.<\/p>\r\n
At his September 16 press conference, Fed Chair Kevin Warsh said, \u201cthe plain fact is that inflation is too high and has been for too long,\u201d as he outlined a primary focus on price stability. He also described an economy expanding steadily, supported by resilient domestic spending, strong productivity growth and robust capital investment, while job gains have kept pace with the workforce and unemployment has changed little.<\/p>\r\n
With the next FOMC meeting scheduled for October 27\u201328, here\u2019s a deeper look at what economic data suggest for the future of deposit rates.<\/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 rate now can protect your yield if deposit rates unexpectedly decline, but the latest economic data continue to suggest caution about locking up funds when the future of rates and inflation is uncertain.<\/p>\r\n
A hypothetical $10,000 deposit held for one year at 4.00 percent APY earns $400, compared with $425 at 4.25 percent APY. That 25-basis-point gap amounts to just $25 before taxes, assuming interest remains deposited and there are no fees. Larger rate increases or larger balances would make the dollar difference more significant.<\/p>\r\n
The possibility of higher rates alone does not necessarily outweigh the benefit of securing today\u2019s yield when the funds must be placed somewhere. Other accounts and investment types come with their own risks, which may outweigh the $25 difference in this example.<\/p>\r\n
Some savers use a CD ladder, which divides deposits among several maturity dates so portions of the money become available for reinvestment at regular intervals. Consider using the CD Yield Curve, or the yields on U.S. Treasuries, and available 6-, 12-, 24-, 36- and 60-month terms, to research yields before selecting a maturity.<\/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
Rates across the broader CD market continue to move higher, with 84.1 percent of rate changes in the latest weekly data showing increases. At the very top of the market, however, none of the three standard terms tracked by CD Valet rose during the week. The 99th-percentile APY remained unchanged at 4.25 percent for 6-, 12- and 24-month CDs.<\/p>\r\n
\r\n\r\n<\/p>\r\n\r\n\r\n\r\n\r\nTerm<\/td>\r\n Movement<\/td>\r\n Difference<\/td>\r\n<\/tr>\r\n \r\n6-month CDs<\/td>\r\n 4.25%<\/td>\r\n No change<\/td>\r\n<\/tr>\r\n \r\n12-month CDs<\/td>\r\n 4.25%<\/td>\r\n No change<\/td>\r\n<\/tr>\r\n \r\n24-month CDs<\/td>\r\n 4.25%<\/td>\r\n No change<\/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\nYes. CD rates are going up in the latest 2026 data. In CD Valet\u2019s latest weekly update, 84.1% of changed existing rates increased, with increases outnumbering decreases by more than five to one.<\/p>\r\n<\/div>\r\n
Should I lock in a CD rate now?<\/strong>\r\nLocking 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\nCD rates continued moving higher as the Federal Reserve also raised its target range by 25 basis points to 3.75% to 4.00%. In CD Valet\u2019s latest weekly data, 672 existing rates increased and 127 decreased. While individual institutions and CD terms can respond differently to Fed moves, the latest data show rate increases substantially outnumbering decreases.<\/p>\r\n<\/div>\r\n
Will CD rates drop after the next FOMC meeting?<\/strong>\r\nPolicymakers\u2019 latest projections point to another rate increase this year. 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\nCD 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\nAt the top of the market, none of the three standard terms tracked by CD Valet rose in the latest weekly data. The 99th-percentile APY remained unchanged at 4.25% for 6-, 12- and 24-month CDs, which is in line with the broader yield curve remaining relatively flat. Savers have competitive options across maturities right now. Following the Federal Reserve\u2019s recent rate increase, CD Valet is seeing a modest bulge among intermediate-term CDs of roughly 18 to 36 months. APYs in the upper decile across those terms are currently pushing toward 4.50% to 4.80%, giving savers some additional yield for selecting intermediate maturities while preserving a range of competitive term choices.<\/p>\r\n<\/div>\r\n
How often does CD Valet update its CD rates?<\/strong>\r\nEvery 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\nPersistent inflation, stable unemployment and strong economic growth point toward continued upward pressure on interest rates. The Federal Reserve has already raised its target range to 3.75 percent to 4.00 percent, and policymakers\u2019 latest projections are consistent with another quarter-percentage-point increase before year-end.\u00a0<\/p>\r\n<\/div>\r\n
Are longer-term CDs worth it if rates might fall?<\/strong>\r\nLonger-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":"
Last updated September 2026 CD rates are moving following the Federal Reserve\u2019s September rate hike, but the strongest opportunities aren\u2019t necessarily in the most common terms. Savers willing to shop across maturities can find rates above 4.50 percent, with some of the most attractive yields appearing in CDs with terms between 18 and 36 months. […]<\/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":"\n
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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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See if rates are rising, which terms lead, and whether to lock in now.","og_url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/","og_site_name":"CD Valet","article_published_time":"2026-08-04T21:32:00+00:00","article_modified_time":"2026-09-23T17:19:40+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/07\/Rate-Forecast-Blog-Header.png","type":"image\/png"}],"author":"Matt Doffing","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Matt Doffing","Est. reading time":"8 minutes"},"schema":{"@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":"2026-09-23T17:19:40+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-forecast\/"},"wordCount":1602,"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":"2026-09-23T17:19:40+00:00","description":"Last updated September 2026 CD rates are moving following the Federal Reserve\u2019s September rate hike, but the strongest opportunities aren\u2019t necessarily in 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":"Last updated September 2026 CD rates are moving following the Federal Reserve\u2019s September rate hike, but the strongest opportunities aren\u2019t necessarily in the most common terms. Savers willing to shop across maturities can find rates above 4.50 percent, with some of the most attractive yields appearing in CDs with terms between 18 and 36 months.…","_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":30,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6332\/revisions"}],"predecessor-version":[{"id":6899,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6332\/revisions\/6899"}],"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}]}}