{"id":6975,"date":"2026-11-04T14:39:21","date_gmt":"2026-11-04T22:39:21","guid":{"rendered":"https:\/\/www.cdvalet.com\/insights\/?p=6975"},"modified":"2026-11-05T10:56:33","modified_gmt":"2026-11-05T18:56:33","slug":"cd-rate-trends-november-2026","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/","title":{"rendered":"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved"},"content":{"rendered":"\r\n

The Fed held rates steady in late October, but the nation\u2019s banks and credit unions didn\u2019t. There has been a steady stream of CD rate hikes across banks and credit unions nationwide, both prior to and following the Federal Open Market Committee meeting.<\/span>\u00a0<\/span><\/p>\r\n

With strong CD yields available across the market, the bigger question for savers remains not where to find yield, but which maturity best balances today\u2019s return against the opportunity to reinvest if rates move higher.<\/span>\u00a0<\/span><\/p>\r\n

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

Are CD Rates Going Up Right Now?<\/h2>\r\n

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

Yes. More changes to CD rates offered by financial institutions were increases than decreases, based on CD Valet data as of November 1, 2026.<\/span>\u00a0<\/span><\/p>\r\n

Approximately 94% of all existing rate changes were increases for the month. With just 6% percent of rate changes showing as decreases, CD rate increases outnumbered decreases by nearly 15 to 1.<\/span>\u00a0<\/span><\/p>\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
Reporting period<\/strong><\/td>\r\nRate increases<\/strong><\/td>\r\nRate decreases<\/strong><\/td>\r\n<\/tr>\r\n
August 24<\/td>\r\n82.3%<\/td>\r\n17.7%<\/td>\r\n<\/tr>\r\n
September 21<\/td>\r\n84.1%<\/td>\r\n15.9%<\/td>\r\n<\/tr>\r\n
October 13<\/td>\r\n93.3%<\/td>\r\n6.7%<\/td>\r\n<\/tr>\r\n
November 1<\/td>\r\n93.9%<\/td>\r\n6.2%<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n

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

The ratio of rate increases had already begun moving higher in September, and the November 1 data show that momentum is continuing. Other measures also point to broader availability of higher CD rates.<\/span>\u00a0<\/span><\/p>\r\n

The number of rate offerings of at least 4.00%\u00a0APY increased from 6,566 on October 13 to 7,673 on November 1.<\/span>\u00a0<\/span><\/p>\r\n

CD Valet was tracking 41,184 CDs as of November 1. The overall median rate remained at 3.30 percent. Median rates were 3.50 percent for 6-month CDs, 3.35 percent for 12-month CDs and 3.14 percent for 24-month CDs.<\/span><\/p>\r\n

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

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

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

Higher Federal Reserve rates generally create upward pressure on newly offered CD APYs, with a lot of rate movement generally occurring immediately prior to and following a Federal Open Market Committee meeting.<\/span>\u00a0<\/span><\/p>\r\n

In late October, the Federal Open Market Committee maintained the federal funds target range of 3.75 percent to 4.00 percent. CD Valet data since that decision show the upward movement in CD rates continuing with slight acceleration. As of November 1, 94%\u00a0of existing rate changes were increases, compared with 93% in the October 13 update.<\/span>\u00a0<\/span><\/p>\r\n

The broader move is also visible in higher yield offers. The number of CDs offering at least 4.00% APY rose from 6,566 on October 13 to 7,673 on November 1. Further, there are 75 CD rates now offering 5.00% or more.<\/span>\u00a0<\/span><\/p>\r\n

Savers now look ahead to the Fed\u2019s next move on December 8-9, which will depend heavily on inflation, employment and economic growth. As of November 1, the CME Fed Watch Tool projects a 72% chance of a rate hike to the 4.00 percent to 4.25 percent range.<\/span><\/p>\r\n

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

Inflation: Energy Sets The Pace<\/h3>\r\n

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

Inflation moved higher again in September, and the next inflation report is due on November 10. It will be the last inflation reading prior to the Fed\u2019s December meeting.<\/span>\u00a0<\/span><\/p>\r\n

The Consumer Price Index increased 0.6 percent in September after rising 0.4 percent in August, according to the U.S. Bureau of Labor Statistics. Over the previous 12 months, headline inflation increased 3.7 percent, up from 3.4 percent in August.<\/span>\u00a0<\/span><\/p>\r\n

Energy continues to play a major role in the monthly increase. Gasoline prices rose 9.1 percent in September and is up 34.2 percent over the year. It accounts for more than half of the month\u2019s increase.<\/span>\u00a0<\/span><\/p>\r\n

With Middle East tensions unresolved, energy continues to be the key factor in rising inflation. Housing is also a steady contributor, with rent and owner\u2019s equivalent rent rising over the year 2.8 percent and 3.3 percent, respectively. price stability after raising rates in September.<\/span><\/p>\r\n

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

Employment: Light Softening, But Stable<\/h3>\r\n

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

The most recent employment report was released on October 2, and it showed the job market stalling. The unemployment rate increased to 4.2 percent from 4.1 percent in August, showing weak hiring and wages rising more slowly than prices.<\/span>\u00a0<\/span><\/p>\r\n

The next jobs report will be released on Friday, November 6. While layoff news seems more frequent, the data is expected to show that more companies are not hiring versus a wave of firings. <\/span>For the week ended October 24, the Labor Department reported 194,000 first-time claims (seasonally adjusted), down from a revised 195,000 the week.<\/span><\/p>\r\n

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

Economic Growth: Still Expanding<\/h3>\r\n

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

On November 2, the Federal Reserve Bank of Atlanta\u2019s GDPNow model estimated real GDP growth at a seasonally adjusted annual rate of 3.7 percent for the fourth quarter.<\/span>\u00a0<\/span><\/p>\r\n

The latest update suggests consumer spending remains a source of strength in the economy. Personal consumption appears firm, while inventory investment is contributing somewhat less to projected growth than previously estimated.<\/span><\/p>\r\n

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

Bottom Line: CD Rates Could Rise Further<\/h3>\r\n

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

Persistent inflation, continued economic growth and only light softening in the labor market continue to support the possibility of higher interest rates. CD Valet data also show upward momentum in deposit pricing, with 94% of existing-rate changes moving higher as of November 1.<\/span>\u00a0<\/span><\/p>\r\n

For CD savers, that makes maturity an increasingly important part of choosing an investment. Locking in a rate can protect yield if rates eventually decline, but choosing a longer maturity also creates more risk of missing future increases. Because modest rate changes may produce relatively small differences in dollar returns, savers should weigh the available yield, the maturity date and when they will need access to their money.<\/span><\/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

For many savers, yes. Today\u2019s top CD rates are some of the best they\u2019ve been in the last few years, and there\u2019s little reason to wait. The best 12- and 24-month CDs on CD Valet pay around 4.50% APY, compared with a median of just 3.30%. With inflation at 3.7% in September, a top CD still beats rising prices by about 0.8 percentage points. An average CD doesn\u2019t. Rates have also been rising even while the Fed held steady in October: top 12- and 24-month rates rose 0.20 percentage points in the past month. Waiting for the Fed may mean watching the best offers get away. Nearly half of the CDs on CD Valet\u2019s site are promotional specials, which often don\u2019t last long.<\/span>\u00a0<\/span><\/p>\r\n

Many savers are tempted to wait for the Fed\u2019s possible rate hike on December 9, but the payoff from waiting may be smaller than it looks. A hike would likely be a quarter point, and much of it is already reflected in today\u2019s rates. One sign: the best 12- and 24-month CDs already pay more than the best 6-month CDs, which suggests banks expect rates to stay higher for a while. Rates could also move the other way. Hiring has slowed sharply, with just 29,000 jobs added in September. If the job market weakens further (and quickly), the Fed could pause or even cut rates in 2027, and savers who locked in would come out ahead.<\/span>\u00a0<\/span><\/p>\r\n

CDs that promise to let you benefit from rising rates, like bump-up CDs, can be worth a look. Do the math first, though. Bump-up CDs usually start at a lower rate than the best fixed-rate CDs, and you typically get just one increase, which depends on your bank raising its own rates. A two-year bump-up CD starting at 4.00% APY would need to jump well above today\u2019s top rates, and early in the term, just to match locking in 4.50% APY now. Bump-ups can make sense mainly when their starting rate is within about a quarter point of the best fixed rates.<\/span>\u00a0<\/span><\/p>\r\n

If you can\u2019t decide, you don\u2019t have to choose all or nothing. A CD ladder, with money split across terms such as 6, 12 and 24 months, locks in today\u2019s strong rates on part of your savings and keeps the rest free to reinvest soon if rates keep climbing. <\/span>Consider using the\u00a0CD Yield Curve<\/a>,<\/span> or the yields on U.S. Treasuries, and available 6-<\/a><\/span>, 12-<\/a><\/span>, 24-<\/a><\/span>, 36-<\/a><\/span> and 60-month<\/a><\/span> terms to research yields before selecting a maturity.<\/p>\r\n

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

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

Which CD Terms Are Rising Fastest?<\/h2>\r\n

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

Rates across the broader CD market continue to move higher, with 9<\/span>4%<\/span> of existing<\/span> rate changes <\/span>showing increases<\/span> (as of November 1)<\/span>. At the top end of the market, the 12-month term rose the most over the past 30 days, increasing 17 basis points to 4.50%. 24-month CD APYs rose 14 basis points to 4.50%, <\/span><\/span>while the 6-month term increased <\/span>9<\/span> basis points to 4.3<\/span>9<\/span>%<\/span>.<\/span><\/span>\u00a0<\/span><\/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\n4.39 percent<\/td>\r\n+7 bps<\/td>\r\n<\/tr>\r\n
12-month CDs<\/td>\r\n4.50 percent<\/td>\r\n+17 bps<\/td>\r\n<\/tr>\r\n
24-month CDs<\/td>\r\n4.50 percent<\/td>\r\n+14 bps<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n

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

Savers now look ahead to the Fed\u2019s next move<\/span> on December 8-9<\/span>, which will depend heavily on inflation, <\/span>employment<\/span> and economic growth.<\/span> As of November 1, the CME <\/span>FedWatch<\/span> Tool projects a 72% chance of a rate hike to the 4.00 percent to 4.25 percent range.<\/span><\/span><\/p>\r\n

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

How CD Valet Tracks These 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

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\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<\/span><\/a>.<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

FAQs<\/h2>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

\r\n
Are CD rates going up this month? (November 2026)<\/strong><\/strong><\/div>\r\n<\/div>\r\n

Yes. CD rates are still moving higher in <\/span>early November<\/span>. <\/span>For the week <\/span>ended<\/span> November <\/span>1<\/span>, <\/span>9<\/span>4%<\/span> of changes to <\/span>tracked rates<\/span> were <\/span>increases<\/span>, <\/span>outpacing<\/span> decreases by <\/span>nearly 1<\/span>5<\/span> to 1. The latest data show upward <\/span>continued <\/span>momentum from <\/span>November<\/span> rather than leveling off. <\/span>Savers <\/span>can <\/span>now look ahead to the Fed\u2019s next move<\/span> on December 8-9<\/span>, which will depend heavily on inflation, <\/span>employment<\/span> and economic growth.<\/span> As of November 1, the CME <\/span>FedWatch<\/span> Tool projects a 72% chance of a rate hike to the 4.00 percent to 4.25 percent range. <\/span>For the full-year outlook and where rates are headed next, see the CD Rate Forecast for 2026.<\/a><\/span><\/p>\r\n

Should I lock in a CD rate in November 2026?<\/strong><\/strong><\/div>\r\n

Locking in a fixed-rate CD can protect today\u2019s yield if rates decline, but current conditions leave room for rates to rise further. <\/span>As of November 1, the CME <\/span>FedWatch<\/span> Tool projects a 72% chance of a rate hike to the 4.00 percent to 4.25 percent range.<\/span> Maturity therefore <\/span>matters:<\/span> shorter terms allow earlier reinvestment, while longer terms preserve today\u2019s yield. <\/span>See our full lock-in guidance in the 2026 CD Rate Forecast.<\/a><\/span><\/p>\r\n

What happened to CD rates after the Fed\u2019s latest decision?<\/strong><\/strong>\r\n

CD rates continued moving higher after the Federal Reserve<\/span> maintained its target rate after its late October meeting. <\/span>Rate hikes <\/span>outpaced<\/span> declines in the week<\/span>s<\/span> immediately<\/span> prior to and following the <\/span>Fed meeting<\/span>.\u00a0<\/span> Individual institutions and CD terms can respond differently, but current market expectations f<\/span>avor an increase in December<\/span>. For more on how Fed decisions move CD rates in general, see the 2026 CD Rate Forecast.<\/a><\/span><\/p>\r\n<\/div>\r\n

How much did CD rates change in October 2026?<\/strong><\/strong>\r\n

The clearest October change is the expansion in <\/span>higher yield<\/span> offers. As of <\/span>November 1<\/span>, <\/span>7,673<\/span> CDs offered at least 4.00<\/span>%<\/span>\u00a0APY, up <\/span>430<\/span> from the prior weekly update<\/span>. <\/span>The number <\/span>offering<\/span> at least 5.00<\/span>%<\/span>\u00a0<\/span>APY rose<\/span> to<\/span> 75 from <\/span>51.<\/span><\/p>\r\n<\/div>\r\n

Which CD terms rose the most in October 2026?<\/strong><\/strong>\r\n

At the top end of the market, <\/span>12<\/span>-month CD APYs rose the most over the past <\/span>30 days<\/span>, increasing <\/span>17<\/span> basis points to 4.<\/span>50<\/span>%<\/span>. The <\/span>24<\/span>-month term rose 1<\/span>4<\/span> basis points to 4.<\/span>50<\/span>%<\/span>, while 6-month CDs increased <\/span>9<\/span> basis points to 4.3<\/span>9<\/span>%<\/span>.<\/span><\/p>\r\n<\/div>\r\n

What is the highest CD rate available in November 2026?<\/strong><\/strong>\r\n

As of November 1, the highest verified credit union rate in CD Valet\u2019s current data is 9.00<\/span>%<\/span>\u00a0APY on a 9-month CD from Southland Credit Union. <\/span>The highest verified bank rate is 5.25<\/span>% <\/span>APY on a 60-month CD from <\/span>Toyota <\/span>Financial<\/span> Savings Bank<\/span>.<\/span> Rates and eligibility requirements can change, so savers should confirm current terms.<\/span><\/p>\r\n<\/div>\r\n

<\/p>\r\n

<\/p>\r\n

<\/p>\r\n

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

The Fed held rates steady in late October, but the nation\u2019s banks and credit unions didn\u2019t. There has been a steady stream of CD rate hikes across banks and credit unions nationwide, both prior to and following the Federal Open Market Committee meeting.\u00a0 With strong CD yields available across the market, the bigger question for […]<\/p>\n","protected":false},"author":3,"featured_media":6983,"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":[61,33,62],"tags":[],"class_list":["post-6975","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rate-forecast","category-rate-trends","category-ratewatcher-report"],"acf":[],"yoast_head":"\nCD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved - CD Valet<\/title>\n<meta name=\"description\" content=\"CD rates are moving higher entering November 2026. As of November 1, 87% of CD rate changes tracked by CD Valet were increases over the past week. See which terms are rising fastest and what it means for the 2026 forecast.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved - CD Valet\" \/>\n<meta property=\"og:description\" content=\"CD rates are moving higher entering November 2026. As of November 1, 87% of CD rate changes tracked by CD Valet were increases over the past week. See which terms are rising fastest and what it means for the 2026 forecast.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"CD Valet\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-04T22:39:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-11-05T18:56:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November.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=\"Mary Grace Roske\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mary Grace Roske\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 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-trends-november-2026\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/\"},\"author\":{\"name\":\"Mary Grace Roske\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#\\\/schema\\\/person\\\/52e88985880d6a4d749ec1764b682dc7\"},\"headline\":\"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved\",\"datePublished\":\"2026-11-04T22:39:21+00:00\",\"dateModified\":\"2026-11-05T18:56:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/\"},\"wordCount\":1873,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/Rate-Forecast-Blog-Header-November.png\",\"articleSection\":[\"Rate Forecast\",\"Rate Trends\",\"Ratewatcher Report\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/\",\"name\":\"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved - CD Valet\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/Rate-Forecast-Blog-Header-November.png\",\"datePublished\":\"2026-11-04T22:39:21+00:00\",\"dateModified\":\"2026-11-05T18:56:33+00:00\",\"description\":\"CD rates are moving higher entering November 2026. As of November 1, 87% of CD rate changes tracked by CD Valet were increases over the past week. See which terms are rising fastest and what it means for the 2026 forecast.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/Rate-Forecast-Blog-Header-November.png\",\"contentUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/Rate-Forecast-Blog-Header-November.png\",\"width\":1200,\"height\":628},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/cd-rate-trends-november-2026\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved\"}]},{\"@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\":\"Mary Grace Roske\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/MRoske-1-scaled.jpg\",\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/MRoske-1-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/MRoske-1-scaled.jpg\",\"caption\":\"Mary Grace Roske\"},\"description\":\"Mary Grace Roske is Head of Marketing & Communications at CD Valet. She\u2019s spent her career in the money movement space, building brands and driving growth in community banking, correspondent banking, philanthropy and now fintech.\",\"sameAs\":[\"https:\\\/\\\/www.cdvalet.com\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/cd-valet\\\/\"],\"url\":\"https:\\\/\\\/www.cdvalet.com\\\/insights\\\/author\\\/dlm\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved - CD Valet","description":"CD rates are moving higher entering November 2026. As of November 1, 87% of CD rate changes tracked by CD Valet were increases over the past week. See which terms are rising fastest and what it means for the 2026 forecast.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/","og_locale":"en_US","og_type":"article","og_title":"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved - CD Valet","og_description":"CD rates are moving higher entering November 2026. As of November 1, 87% of CD rate changes tracked by CD Valet were increases over the past week. See which terms are rising fastest and what it means for the 2026 forecast.","og_url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/","og_site_name":"CD Valet","article_published_time":"2026-11-04T22:39:21+00:00","article_modified_time":"2026-11-05T18:56:33+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November.png","type":"image\/png"}],"author":"Mary Grace Roske","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Mary Grace Roske","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/#article","isPartOf":{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/"},"author":{"name":"Mary Grace Roske","@id":"https:\/\/www.cdvalet.com\/insights\/#\/schema\/person\/52e88985880d6a4d749ec1764b682dc7"},"headline":"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved","datePublished":"2026-11-04T22:39:21+00:00","dateModified":"2026-11-05T18:56:33+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/"},"wordCount":1873,"commentCount":0,"publisher":{"@id":"https:\/\/www.cdvalet.com\/insights\/#organization"},"image":{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November.png","articleSection":["Rate Forecast","Rate Trends","Ratewatcher Report"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/","url":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/","name":"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved - CD Valet","isPartOf":{"@id":"https:\/\/www.cdvalet.com\/insights\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/#primaryimage"},"image":{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November.png","datePublished":"2026-11-04T22:39:21+00:00","dateModified":"2026-11-05T18:56:33+00:00","description":"CD rates are moving higher entering November 2026. As of November 1, 87% of CD rate changes tracked by CD Valet were increases over the past week. See which terms are rising fastest and what it means for the 2026 forecast.","breadcrumb":{"@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/#primaryimage","url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November.png","contentUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November.png","width":1200,"height":628},{"@type":"BreadcrumbList","@id":"https:\/\/www.cdvalet.com\/insights\/cd-rate-trends-november-2026\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cdvalet.com\/insights\/"},{"@type":"ListItem","position":2,"name":"CD Rate Trends November 2026: The Fed Held Steady But CD Rates Moved"}]},{"@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":"Mary Grace Roske","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2023\/10\/MRoske-1-scaled.jpg","url":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2023\/10\/MRoske-1-scaled.jpg","contentUrl":"https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2023\/10\/MRoske-1-scaled.jpg","caption":"Mary Grace Roske"},"description":"Mary Grace Roske is Head of Marketing & Communications at CD Valet. She\u2019s spent her career in the money movement space, building brands and driving growth in community banking, correspondent banking, philanthropy and now fintech.","sameAs":["https:\/\/www.cdvalet.com\/","https:\/\/www.linkedin.com\/company\/cd-valet\/"],"url":"https:\/\/www.cdvalet.com\/insights\/author\/dlm\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November.png",1200,628,false],"thumbnail":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November-370x320.png",370,320,true],"medium":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November-574x300.png",574,300,true],"medium_large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November-768x402.png",768,402,true],"large":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November-804x421.png",804,421,true],"1536x1536":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November.png",1200,628,false],"2048x2048":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November.png",1200,628,false],"authorship-box-avatar":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November-150x150.png",150,150,true],"authorship-box-related":["https:\/\/www.cdvalet.com\/insights\/wp-content\/uploads\/2026\/11\/Rate-Forecast-Blog-Header-November-70x70.png",70,70,true]},"uagb_author_info":{"display_name":"Mary Grace Roske","author_link":"https:\/\/www.cdvalet.com\/insights\/author\/dlm\/"},"uagb_comment_info":0,"uagb_excerpt":"The Fed held rates steady in late October, but the nation\u2019s banks and credit unions didn\u2019t. There has been a steady stream of CD rate hikes across banks and credit unions nationwide, both prior to and following the Federal Open Market Committee meeting.\u00a0 With strong CD yields available across the market, the bigger question for…","_links":{"self":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6975","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=6975"}],"version-history":[{"count":11,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6975\/revisions"}],"predecessor-version":[{"id":6987,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/posts\/6975\/revisions\/6987"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media\/6983"}],"wp:attachment":[{"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/media?parent=6975"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/categories?post=6975"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cdvalet.com\/insights\/wp-json\/wp\/v2\/tags?post=6975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}