Where Are CD Rates Headed by the End of 2025? CD Valet's APY Checkpoint Reveals Both Short- and Long-Term Opportunities

SEATTLE, Dec. 17, 2025 /PRNewswire/ -- CD Valet is a digital marketplace that connects consumers with the best verified, high-yield CD rates nationwide, helping community financial institutions effectively attract new deposits. The company today shared its December APY Checkpoint, revealing that as of 12/15/2025, 12-month CD rates shifted the most among standard term offerings across all APY benchmarks when comparing December to November. Despite these changes, 12-month CDs remain an attractive option for shorter-term, higher-yield offerings, with the top 10% APY coming in at 3.90%.