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The CD Rate Forecast Everyone Got Wrong in 2026

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3 months ago

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New data from CD Valet shows savers who “waited too long” didn’t miss anything — and why bank funding needs, not just Fed moves, are keeping yields steady

SEATTLE, Aug. 20, 2026 /PRNewswire/ — At the start of 2026, the consensus was nearly unanimous: CD rates were heading down. Major forecasts predicted one to three additional Fed rate cuts this year, and savers were widely urged to lock in yields before the window closed. Eight months later, that forecast hasn’t held up — and new data from CD Valet, a digital marketplace tracking CDs from more than 4,600 banks and credit unions nationwide, shows why.

According to CD Valet, CD rates started the year in February with a nationwide average of 3.03% APY across all maturities and with the top one percent of CD rates at 4.06% APY. Fast forward to August 2026, the average rate has grown by 0.53% APY to 3.56% APY across all maturities, with the top one percent of rates now sitting at 4.25% APY.

As of August 19, the CD yield curve is relatively flat with the top one percent of rates for 6-, 12-, and 24-month terms all sitting at 4.20% and the top one percent for 60-month CDs at 4.25%. These terms have all seen near similar growth rates in their respective averages, with 24- and 36- month CD rates increasing by just over 0.60% APY and 48- and 60-month CD rates having the highest growth at or slightly above 0.70% APY.

“This is hardly the ‘rates are headed south’ message we heard at the start of the year,” said John Blizzard, founder of CD Valet, adding that the flattened yield curve is allowing savers the flexibility to choose the term that best fits their needs without sacrificing the best rates offered.

Why the forecasts missed

Most CD rate predictions lean heavily on the expected path of the federal funds rate. But CD Valet’s data suggests that framework misses a second, less-discussed force: what individual banks and credit unions need from their deposit base at any given moment, independent of what the Fed does next.

“CDs aren’t priced off a single dial in Washington, D.C.,” said Blizzard. “Every institution on our platform is also asking its own question — do we need more deposits on the books right now, and how much are we willing to pay for them? A bank that’s flush with deposits and light on loan demand can let CD rates drift down even if the Fed hasn’t moved. A bank that needs to shore up its funding base — because loan growth picked up, deposits walked out the door to a competitor, or a regulator wants a stronger liquidity position — will hold or even raise its CD rates regardless of the broader rate outlook.”

This dynamic helps explain why CD Valet’s tracked rate curve has stayed resilient even as the macro narrative swung from “rates are falling” to renewed talk of a possible hike ahead of the Fed’s next meeting. As of August 19, the CME FedWatch Tool gives a nearly 37 percent probability for a rate hike at the Federal Open Market Committee’s September 16 gathering.

“The best step a saver can take is to always shop and compare, and never just automatically accept the rate your primary bank or credit union is offering,” said Blizzard. “It’s also critical to take into account term as well as rate, as right now we are seeing financial institutions offering a 4.30% APY on CDs across almost the entire maturity spectrum — from 3-month terms all the way out to 84-month (7-year) terms.”

What this means for savers

For everyday savers, the practical takeaway is less about timing the Fed and more about timing individual institutions. CD Valet’s marketplace model — aggregating live rates across banks and credit unions rather than relying on a single institution’s posted rate — is designed around exactly this reality: the best rate on any given week may come from a bank making a funding push, not necessarily the bank with the biggest brand name.

In the past 30 days, nearly 750 financial institutions across the country have updated their CD rates with more than three-quarters of them increasing by an average of 34 basis points. Of these, 63 percent of these rate increases were from credit unions and 37 percent came from banks. 

Looking ahead, the Federal Reserve’s Jackson Hole Economic Symposium on August 27–29 — where new Federal Reserve Board Chair Kevin Warsh will deliver his first keynote address — is the last major opportunity for the Fed to signal its intentions ahead of the September Federal Open Market Committee meeting.

“Savvy savers should tune in next week, as this is another moment when repricing deposits will be top-of-mind for bankers,” adds Blizzard. “Opportunistic savers willing to shop around should find some strong offers.”

About CD Valet

CD Valet is a CD marketplace that features verified CD rates from federally insured banks and credit unions. With tens of thousands of CD offers tracked across the country, CD Valet gives savers a clear view of top rates and helps them explore high-yield CD options with reliable returns. For financial institutions looking to raise deposits and attract new customers, CD Valet is a reliable and cost-effective channel that helps boost the visibility of their brand and CD offerings to high-intent CD customers. Visit www.cdvalet.com for more information and check out CD Valet’s Best CD Rates by State Map to maximize earnings on savings.

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SOURCE CD Valet

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EYKON is expanding the role of the meter at the grid edge

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19 minutes ago

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November 10, 2026

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Latest generation of the EYKON E360 residential meter family combines proven meter-to-cash capabilities with enhanced sensing, communications and control.

VIENNA, Nov. 10, 2026 /PRNewswire/ — EYKON today introduced EYKON E360 S3, the latest generation of its EYKON E360 residential smart meter family, extending what utilities can achieve from an endpoint already deployed across the low-voltage network.

Accurate measurement and dependable meter-to-cash operations remain fundamental. But as networks become more dynamic, the meter, located at the grid connection point can provide valuable information about local grid conditions and support defined actions in the low voltage network.

EYKON E360 S3 strengthens this role, providing enhanced voltage-quality indicators, updated processing and communications architecture and hardware-based security, alongside established billing and consumption data. 

“The meter remains essential to meter-to-cash, but its value does not stop there there,” said Peter Müller, Head of BU Electricity – Residential. “With EYKON E360 S3, utilities can use the same endpoint for deeper sensing and supported control applications. Across a meter estate, that creates the potential to get much more operational value from infrastructure already in place.”

EYKON E360 S3 also supports action at the grid edge through an integrated supply control switch and, depending on the variant, additional inputs, outputs and interfaces.

The new series builds on the established EYKON E360 family with improved sustainability approach, reduced meter self-consumption by 30 % and a smaller housing with less raw material.

EYKON E360 S3 will be presented at Enlit Europe 2026 as part of the company’s wider approach to connected infrastructure, grid visibility and intelligent grid management, showing how utilities can make more of the infrastructure they already operate.

About EYKON

EYKON, formerly the Landis+Gyr EMEA business, operates as an independent utility infrastructure technology company built on more than 130 years of utility expertise. Headquartered in Switzerland, with a network of expert local teams, the company serves customers in more than 75 markets and supports over 100 million connected endpoints across the region.

Combining proven technology, deep utility expertise and real-world operational insight from one of the largest installed bases in EMEA, EYKON connects what utilities measure with how they operate. This helps customers gain greater visibility, make better decisions, maintain greater control and unlock more value from the infrastructure they already operate.

 

View original content to download multimedia:https://www.prnewswire.com/news-releases/eykon-is-expanding-the-role-of-the-meter-at-the-grid-edge-302934733.html

SOURCE EYKON AG

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GOcxm Launches Signal IQ™ to Help CPG Brands Act on the Insights Lost Between Brand, Shopper, Trade and Sales

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19 minutes ago

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November 10, 2026

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The AI-powered system identifies where marketing programs and in-store execution fall short and tells the right teams what to change to improve results.

TORONTO, Nov. 10, 2026 /CNW/ — GOcxm, the unified growth platform for CPG brands, today announced the launch of Signal IQ™, an AI-powered system that connects signals across brand marketing, shopper marketing, trade marketing, sales and retail execution. It answers critical business questions and gives every team a clearer view of what’s happening and what to do next.

CPG brands typically manage these functions through separate systems, data sources and reports. Each team sees only part of the picture, often in recaps after programs end. By then, the opportunity to adjust has passed, and the same gaps carry into the next plan. Most tools are systems of record: they report what happened. Signal IQ is a system of action. It works like a dedicated team that knows a brand’s business, monitoring programs around the clock and prioritizing what needs attention.

“Every program a CPG brand runs teaches it something, but those lessons rarely reach every team that could use them,” said Gary Kalk, Founder and CEO of GOcxm. “The hard part is finding the gaps and opportunities that matter. We built Signal IQ to put those insights in the right hands, so every program makes the next one stronger.”

Signal IQ does three things:

Finds what falls between teams. It connects overlooked data across functions, turning information collected by one team into insights others can act on.Adds context to the systems brands already use. It works with existing tools and workflows, streamlining reporting and reconciliation so teams spend less time assembling information and more time acting on it.Starts informed and keeps learning. It draws on GOcxm’s years of experience running CPG programs and builds on each program a brand runs, applying those lessons to audience targeting, promotional strategy, trade investment and retail compliance.

Signal IQ is powered by multiple models, each designed to answer a specific business question using a brand’s own data on marketing, trade and retail execution performance. It brings their findings together, identifies gaps and adds context by retailer, region and store to help teams decide where to act.

Each brand’s data stays its own. Signal IQ applies GOcxm’s CPG experience to a brand’s programs without sharing that brand’s data with any other, and runs on GOcxm’s SOC 2 Type II certified platform.

Actions, not dashboards

Knowing what’s working has limited value if the findings stay in a report. Signal IQ turns those findings into specific actions and routes them to the people responsible across brand, shopper, trade, sales and field teams.

Some actions require an immediate response. When a display is missing or in the wrong spot, the field team gets specific guidance to fix it in-store. Others inform the next planning cycle, such as shifting media investment toward the channels that best support the brand’s objectives.

Consider a shopper program. Most brands learn whether it “worked” overall. Signal IQ examines products, promotion, pricing and display execution to estimate how those choices affected sales and where the next dollar could have the greatest impact. The recap becomes a playbook: which combinations to prioritize at each retailer, where to focus investment and what each team needs to do to achieve the brand’s desired outcome.

“Over the years, we’ve seen GOcxm evolve from a technology provider into a strategic partner. Signal IQ is a natural next step. Working alongside the tools and partners we already use, it brings together data and insights that were previously difficult to connect, giving our teams a clearer understanding of what’s working, where opportunities exist and how to act on them. GOcxm’s ability to turn information into smarter decisions has directly contributed to our sales growth,” said Kyle Barlow Senior Director of The Coca-Cola Company Canada.”

Signal IQ is available now for CPG brands. To request a demo, visit gocxm.com/signal-iq.

About GOcxm

GOcxm is a unified growth platform for modern CPG brands, connecting consumer activation, trade marketing and retail execution in one operating system. Signal IQ brings AI-powered intelligence across the platform, turning program and in-market data into shared insights and recommended actions. GOcxm pairs its platform with a dedicated client team and serves large CPG organizations, including Fortune 100 brands. The company is SOC 2 Type II certified and has expanded its platform through the acquisitions of MobileXCo and Emotive Technologies (Apex). Learn more at gocxm.com.

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SOURCE GOcxm

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EYKON launches Orkestra, a new software platform for modern utility operations

Published

19 minutes ago

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November 10, 2026

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Modular architecture helps utilities extract more value from existing infrastructure while protecting the continuity of critical operations

VIENNA, Nov. 10, 2026 /PRNewswire/ — EYKON today announced EYKON Orkestra, a new software platform designed to help utilities respond to growing data and operational demands without disrupting the systems they depend on today.

While metering and billing remain critical, growing grid visibility, analytics and control needs require increasing amounts of data, at greater frequency, for different operational purposes.

Orkestra scales with the needs of utilities, introducing dedicated data streams for Billing, Grid Analytics and Control, and allowing each to evolve and scale independently while remaining part of one shared, secure platform.

“Utilities need to move forward, but they cannot compromise the operation flowsthey rely on,” said Ifigeneia Stefanidou, Head of Strategy and Solutions at EYKON. “Orkestra is designed around both realities. It protects continuity of the critical operations, while creating the foundation for new data, analytics and control capabilities to develop over time.”

Its modular structure allows utilities to adopt capabilities according to their priorities, building from established metering and billing towards deeper grid insight and operational control. This creates a gradual path forward, and does not require utilities to replace what already works.

“The opportunity is in smarter data use. Putting the right data to work for the right purpose,” said Thomas Lenze, Head of product management Solutions, Software and Services. “Orkestra gives utilities a way to evolve progressively, along ever-changing regulatory requirements and always within a secure platform environment.”

EYKON Orkestra will be presented at Enlit Europe 2026, alongside EYKON’s metering, grid analytics and flexibility capabilities, demonstrating how utilities can make more of the infrastructure already in place.

About EYKON

EYKON, formerly the Landis+Gyr EMEA business, operates as an independent utility infrastructure technology company built on more than 130 years of utility expertise. Headquartered in Switzerland, with a network of expert local teams, the company serves customers in more than 75 markets and supports over 100 million connected endpoints across the region.

Combining proven technology, deep utility expertise and real-world operational insight from one of the largest installed bases in EMEA, EYKON connects what utilities measure with how they operate. This helps customers gain greater visibility, make better decisions, maintain greater control and unlock more value from the infrastructure they already operate.

View original content to download multimedia:https://www.prnewswire.co.uk/news-releases/eykon-launches-orkestra-a-new-software-platform-for-modern-utility-operations-302934737.html

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