CD Valet 2025: Short-Term CDs Surge as Yield Curve Flattens
January 8, 20266 min
January 2026 CD rate trends show growing opportunity with longer-term CDs
January 2026 CD rate trends show growing opportunity with longer-term CDs
Promotional offers are emerging as a strong tool for institutions to drive deposits in falling rate environment
CD Valet is a digital marketplace that connects consumers with the best CD rates and terms nationwide, helping community financial institutions effectively attract new deposits. The company today released its latest CD yield curve analysis, offering a granular look at CD rate dynamics across the market. CD Valet found stark differences in CD pricing across asset size segments, with institutions under $500 million tending to offer the most competitive rates, particularly for 12-month CDs. “Our recent...