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A Surge in Short-Term CDs: Insights from CD Valet's 2025 Analysis

In 2022, the financial landscape experienced a dramatic shift with rising interest rates, which led to a renewed interest in Certificates of Deposit (CDs). Fast forward to 2025, and consumers still find themselves drawn to CDs, particularly short-term options. CD Valet, a prominent digital marketplace that specializes in connecting consumers with competitive CD rates, recently released an analysis highlighting key trends and consumer preferences in the CD market.

The past year showcased a notable demand for low-risk investment vehicles, particularly among savers looking to optimize their savings strategies. Mary Grace Roske, Head of Marketing and Communications at CD Valet, highlights that while there has been significant engagement with shorter-term CDs, opportunities are emerging for both short- and long-term investments as the yield curve shows signs of normalization. This creates a fertile ground for savers to explore various options for their financial growth.

Key Trends in CD Offerings

According to CD Valet's findings, a staggering 57% of the 530 unique CD offers listed throughout 2025 came from offers with a duration of one year or less. This inclination towards shorter commitments indicates a clear preference among both consumers and financial institutions. Notably, despite three Federal Open Market Committee (FOMC) rate cuts in 2025, competitive rates remained prevalent, with more than 60% of partner CD offerings yielding at least 4.00% APY.

Consumer engagement also reflected these trends; CDs with 6- and 12-month terms each constituted 24% of all click-through and application activities. Savers increasingly utilized CD Valet's innovative comparison tools, especially the APY Checkpoint, to assess the market's competitiveness. This real-time tool offers a straightforward way for consumers to compare their CD rate against over 40,000 rates across 5,000 banks and credit unions nationwide.

Emergence of Long-Term CD Opportunities

Interestingly, data from CD Valet indicates a shift in the dynamics of CD offerings. For the first time in over a year, December 2025 saw 60-month CDs experiencing the highest rate increases compared to other typical CD terms, with 15% of all APY increases attributed to these longer commitments. Senators and financial experts alike are observing this trend closely, as lower short-term rates prompted institutions to incentivize longer commitments from savers.

In states like Utah, Nevada, and North Dakota, CD Valet reported the highest average CD yields, a statistic that will grab any savvy saver's attention. To address the demand for local information, CD Valet has launched an interactive Best CD Rates by State Map, showcasing the top CD rates accessible to consumers through banks and credit unions. This tool is updated in real-time, leveraging a seamless API connection to guarantee accuracy and relevance.

Preparation for Future Saving Trends

As 2026 approaches, the consumer landscape appears poised for growth and innovation in savings strategies. Roske emphasizes the increasing vigilance among savers to maximize earnings, noting that even small amounts of research can yield significant improvements in financial returns. Savers are now recognizing the power of using digital tools and real-time data to enhance their decision-making processes.

Simultaneously, institutions are taking proactive measures to enhance the visibility of their attractive offers, seeking to attract new customers while fostering deposit growth. This evolving dynamics highlight the ongoing importance of resources like CD Valet in navigating the increasingly complex world of investments.

About CD Valet

CD Valet operates as a marketplace for CDs, offering verified rates from federally insured banks and credit unions across the country. By tracking tens of thousands of CD offers, the platform provides clarity through comparisons, enabling savers to discover higher-yield options with reliable returns. Additionally, CD Valet equips financial institutions with advertising, analytics, and account opening tools to help bolster deposit acquisition, ensuring they remain competitive with larger entities in the financial sector. For more insights and updates, visit www.cdvalet.com.