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Leveraging CDs for Strategic Growth in Challenging Times

In February 2026, the financial landscape continues to evolve, with various institutions adapting to shifting economic conditions. CD Valet, a notable digital marketplace, has unveiled how community banks and credit unions proactively utilize Certificates of Deposit (CDs) as a means to stimulate growth despite a backdrop of falling rates. This approach marks a significant departure from trends within the broader financial environment where many institutions are currently lowering rates.

Growing Demand for Competitive Returns

According to CD Valet's recent analysis, nearly 60% of rate changes reported from its partner banks and credit unions involve increases, highlighting a calculated effort to attract deposits. While standard practice might dictate rate cuts, these forward-thinking institutions are rising to the challenge, presenting savers with the opportunity to secure competitive returns at a crucial time.

Mary Grace Roske, CD Valet’s Head of Marketing and Communications, commented on this strategic pivot: “Forward-thinking institutions are taking what can often be considered a legacy product and leveraging it in a modern way to fuel meaningful growth.” She emphasized that despite the overall trend toward lower CD rates, many partner institutions are recognizing the potential of CDs to differentiate themselves within a crowded deposit landscape.

Market Analysis and Data Insights

CD Valet's February report covers a comprehensive evaluation of CD rates from January 4 to February 3, 2026, analyzing data from almost 5,000 institutions and over 40,000 rates. Some key takeaways from the report include:

• - A staggering 80% of CD rate changes were decreases in January 2026, indicating an overall declining trend.
• - Notably, there were 3,542 reported decreases, averaging 23 basis points, contrasting with 919 increases that averaged 32 basis points.
• - Among the institutions that raised CD rates, approximately 62% were credit unions, with the remaining 38% being banks.

Roske further explained the implications for savers, suggesting that this period represents a prime opportunity for individuals to shop around. “What's most important is that consumers are doing their research and using reliable, real-time tools to keep up with CD rate trends and offers,” she added. The failure to remain informed could result in missed opportunities for considerable savings.

The Importance of Digital Tools

At the center of this evolving landscape is CD Valet's essential digital marketplace, which allows consumers to track 40,000 publicly listed CD rates across nearly 5,000 financial institutions nationwide. This transparent platform facilitates informed decision-making, enabling savers to explore competitive CD offers seamlessly.

The monthly Ratewatcher report provided by CD Valet reveals that the yield curve has been flattening, with 24- and 36-month CDs exhibiting the highest frequency of rate increases among standard term CDs. Roske noted that the competition in the deposit landscape is intensifying, with informed institutions leveraging real-time market data to design their deposit strategies effectively.

A Broader Perspective on Financial Growth

CDs not only serve as a catalyst for growth but they also bolster customer engagement and retention. Institutions that can identify market gaps and seizing pricing strategically position themselves to not just survive, but thrive in this competitive environment. Roske highlighted how using smart digital marketing can transform this traditional product into a vital driver of growth.

In conclusion, as institutions like those partnering with CD Valet continue to adapt to market fluctuations, the proactive strategies surrounding CD offerings not only provide immediate financial benefits but also instill greater consumer confidence in uncertain times. For more insights and to maximize savings opportunities, visit CD Valet's website for the latest updates and resources on high-yield CD options.