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Best CD Rates in December 2025: Insights from CD Valet

As the year comes to a close, savers are keenly assessing their financial strategies and evaluating potential earnings. In this regard, December 2025 has brought insightful findings from CD Valet, a digital platform designed to connect consumers with favorable CD rates across the United States. The latest data reveals that, despite a broad trend of declining yields in the financial markets, many 12-month CDs continue to provide attractive annual percentage yields (APY) around or above 4.00%.

Mary Grace Roske, the Head of Marketing and Communications at CD Valet, emphasizes the significance of this period for financial assessment. “The end of the year is a perfect moment for individuals to scrutinize their savings strategies,” she stated. “While it’s true that the majority of CD rates are on a downward trajectory—approximately 86% of changes noted in November were reductions—numerous banks and credit unions stand out by offering lucrative yields, especially through their promotional CDs.” These financial products not only attract consumers but also serve as a strategic advantage for institutions striving to grow their deposits in a competitive market.

Insights from CD Valet's Ratewatcher Report

CD Valet’s monthly Ratewatcher report diligently analyzes over 40,000 CDs from nearly 5,000 U.S.-based banking and credit union institutions. The findings for November indicate a stark contrast in rate changes: while there were 5,273 decreases in CD APYs averaging 22 basis points, only 823 increases were recorded, with an average rise of 46 basis points.

The December Ratewatcher report encapsulates the activities witnessed from November 1 to November 30, 2025, illustrating a pivotal moment in the market. Roske notes, “The data suggests that top-tier offers have exhibited resilience amidst the downward trend in average CD rates. By visiting impartial rate marketplaces, consumers can markedly enhance their savings returns.” This insight is especially pertinent in the current volatile financial landscape where staying informed is crucial.

CD APY Benchmark Overview

Key Findings:

• - Top 1% benchmark: The elite tier of offers has seen a slight decline, holding at 4.40% from June to August, but is now down to 4.23% at the end of November.
• - Top 10% benchmark: This segment has decreased from 4.08% in mid-August to 3.85% in November.
• - Top 25% benchmark: Over a six-month duration, this category has fallen by 25 basis points, concluding at 3.60%.
• - Median benchmark: This group exhibits a substantial drop, with a decline from 3.50% in June to 3.20% by November.

The benchmarks delineate the performance of various CD offers monitored by CD Valet. A basis point, defined as one-hundredth of a percentage point, indicates the fine distinctions within these rates. Thus, a change of 25 basis points corresponds to a 0.25% shift in yield.

Despite the downward market shifts, certain financial institutions continue to extend compelling offers of 4% or more, particularly on shorter-term CDs. CD Valet urges individuals to leverage its Ratewatcher tools, enabling them to pinpoint the most advantageous opportunities and make informed financial decisions.

About CD Valet

CD Valet is the go-to digital marketplace that simplifies the process of finding competitive CD rates from banks and credit unions nationwide. This platform not only assists consumers in accessing superior rates but also empowers financial institutions, enabling them to efficiently attract retail deposits. By offering a comprehensive suite of tools, including interest calculators and rate comparisons, CD Valet positions itself as a pivotal resource in the financial industry.

For those looking to enhance their savings, visiting www.cdvalet.com provides a wealth of information, as well as access to CD Valet’s Best CD Rates by State Map, ensuring optimal earnings on savings for everyone involved.