#USA #Seattle #CD Valet #CD Rates #APY Checkpoint

CD Rate Trends in November 2025

In a recent analysis, CD Valet, a leading platform aimed at helping savers find the best Certificate of Deposit (CD) rates, has released its November APY Checkpoint. This tool allows consumers to see how their current CD rates stack up against the market in real-time. As of November 20, 2025, the report indicates a mild drop in rates across all standard term CDs, with the top 10% APY benchmarks decreasing by approximately 5 basis points compared to October.

The 12-month CD continues to show strong performance, maintaining a competitive top 10% APY of 3.92%, making it a favorable option for those seeking higher yields in the shorter term.

Mary Grace Roske, the Head of Marketing Communications at CD Valet, comments, "As anticipated, we observed a slight dip in CD rates across standard terms, likely in response to the Federal Open Market Committee's (FOMC) second rate cut announced last month. However, the 12-month CD remains a solid choice with yields nearing 4.00% APY. Savers with rates below this benchmark should explore better opportunities."

Insights from the November APY Checkpoint

The data revealed in the November APY Checkpoint is crucial for savers aiming to leverage their funds effectively. The platform offers critical benchmarks:

• - 12-month CD: 3.92% (Top 10% APY)
• - 24-month CD: 3.70%
• - 36-month CD: 3.60%
• - 48-month CD: 3.60%
• - 60-month CD: 3.66%

Interestingly, the 24-month term remained stable in terms of median APY, while the 36-month and 48-month terms experienced a slight decline. Understanding these trends is vital for savers as even minor differences in rates can lead to substantial differences in overall yields.

Roske elaborates, "Recognizing these shifts equips savers to make informed decisions about their investments. A mere change of 0.25% to 0.5% APY can significantly impact total earnings over time."

About CD Valet

CD Valet functions as a digital marketplace dedicated to bridging the gap between consumers seeking attractive CD rates and financial institutions offering those rates. With a database tracking more than 40,000 rates from over 5,000 banks and credit unions, CD Valet enables users to compare, analyze and secure FDIC or NCUA-insured CDs efficiently. The company not only helps individuals find competitive rates but also assists financial institutions in building their retail deposit base. To maximize savings opportunities, interested parties can visit www.cdvalet.com and view the Best CD Rates by State Map.

As we head into the final months of 2025, it's essential for consumers to stay informed about market trends and rates. Utilizing tools like CD Valet's APY Checkpoint can make a significant difference in how savers approach their financial strategies.