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The Future of CD Rates: Insights from CD Valet's December 2025 APY Report

As we move towards the end of 2025, thoughts of where CD (Certificate of Deposit) rates might trend have become increasingly important for consumers and financial institutions alike. CD Valet, a digital marketplace facilitating connections between savers and high-yield CD rates nationwide, has recently unveiled its December APY Checkpoint. This report showcases a nuanced picture of the current state of CD rates, reflecting shifts that align with recent economic conditions.

CD Valet's marketplace is noted for its robust ability to compare verified, high-yield CD rates sourced from over 5,000 banks and credit unions across the country. This not only empowers consumers to make informed decisions about their savings but also assists community financial institutions in attracting deposits effectively.

As of December 15, 2025, the APY rates for standard term CDs have experienced significant fluctuations, particularly for the 12-month category, which has seen the most substantial changes when compared to the previous month. The top 10% APY for 12-month CDs currently stands at a competitive 3.90%. According to Mary Grace Roske, Head of Marketing Communications at CD Valet, “As projected, APYs have slightly decreased for standard term CDs in response to the FOMC's most recent rate cut.” However, she emphasizes that opportunities are still plentiful, with over 2,500 CD rates remaining at or above 4.00%.

Investors looking to maximize their returns should note that the long end of the yield curve is offering enticing rewards. For those considering long-term investments, the 60-month CD is becoming an increasingly attractive option, with APYs now comparable or superior to those found in shorter-term options of 24, 36, and 48 months. Roske adds, “For those looking to secure a strong rate, now may be the time to consider a 12-month or shorter CD. Meanwhile, for the greatest long-term returns, a 60-month CD might just be the ideal choice.”

Further analysis from CD Valet’s December APY Checkpoint categorizes CDs as follows:


This table highlights that while the competition remains fierce among short-term options, long-term rates are also presenting themselves as viable alternatives for those willing to commit their funds for an extended period.

For those who may be hesitant or lack the necessary market insight, CD Valet offers unique resources such as its Best CD Rates by State Map, providing users the tools they need to navigate the marketplace successfully. With thousands of offers tracked, savers have a clear view of the rates available, giving them the ability to maximize their earnings on savings in a secure and digital environment.

As CD Valet continues to monitor rate changes and trends, the message remains clear: despite the subtle decreases, there are still opportunities across the board for both short-term and long-term savers. This intelligence can provide consumers with confidence in their investment strategies as they plan for financial growth in 2026 and beyond.

To explore the marketplace for the best rates and terms available, visit CD Valet's website. Here, savers can find extensive data and insight into the world of CD offerings, arming them with knowledge and the capacity to ensure their financial interests are well tended for the future.