CD Yield Curve: How CD Rates Change by Term

What Is the CD Yield Curve?

HomebreadcrumbToolsbreadcrumbCD Yield Curve
UpdateUpdated Daily
Find Terms Offering The Best Returns With the CD Yield Curve
Easily discover which CD terms are offering the best returns. Use the CD Yield Curve to see how rates are trending across maturities so you have real-time insights into whether short- or long-term CDs will offer you the best returns.
Top APY
Top APY
Offering the highest returns
Top 1-25%
Top 1-25%
Offering competitive returns
Median APY
Median APY
Where the middle of the market stands
CD Yield Curve
Hover over each term to see yield curve trends. Filter by financial institution, state and more.
Verified data from 4,000+ financial institutions updated daily
Benefit 1
Decide Short Vs Long Term
Benefit 2
Check Rate Competitiveness
Benefit 3
Get The Big Picture of Market
Frequently Asked Questions
What is the CD Yield Curve?
downward-arrow
CD Valet's CD Yield Curve is an interactive feature that enables savers to easily discover which CD terms are offering the best returns. Users can instantly view how rates are trending across maturities, giving them real-time insights into whether short- or long-term CDs will offer higher returns.
How to use the CD Yield Curve?
downward-arrow
Use the CD Yield Curve to get a big picture view of the CD market in real time. Hover over CD terms between 3-60 months to view how rates are trending across maturities. The green Top Rate line shows the highest CD rate for each maturity. The pop-up window that appears for each maturity also displays the APY in the top 1%, 10% and 25%, as well as the median rate. Filter by financial institution type or name, state, asset size or whether digital account opening is offered.
How is the data sourced?
downward-arrow
All CD rate data comes from CD Valet's database of CD rates, which monitors APYs from thousands of federally insured institutions across the United States. Our Ratewatcher team verifies and updates the data daily.
Why do some terms have higher yields than others?
downward-arrow
CD yields often reflect economic factors, investor demand, and financial institution strategies. The curve helps highlight which terms are currently seeing the strongest offers.
Ready to Start Earning ?

Compare CD rates from top banks and credit unions to maximize your returns

  • CD Valet
  • The smart saver's trusted source for verified, high-yield CD rates from federally insured banks and credit unions.
social-iconsocial-iconsocial-icon

Overview


Tools

* Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.

** Annual Percentage Yield (APY) for High Yield Savings Accounts (HYSA) are effective as of the date shown above. HYSA are variable rate accounts. Rates may change after the account is opened. Fees may reduce earnings. Additional restrictions and requirements may apply. Please review the account deposit agreement and fee schedule for the financial institution for further information regarding fees, terms, and conditions.

Tiered rates may be included in the account listings. Please refer to the financial institution's website for the full listing of any tiered rates. Visitors should independently verify all terms, conditions, and limitations including, but not limited to deposit insurance coverage, credit union eligibility and membership requirements. CD Valet is not a federally insured deposit institution; deposit insurance is offered through the bank or credit union. CD Valet is compensated by a limited number of financial institutions that have either contracted marketing services with CD Valet or have an Open Now or affiliate link on CD Valet. Visit our Privacy and Disclosure Center to read related disclosures and policies of CD Valet and its partners.

scrollLogo