economy
April 30, 2026
What's the CD account interest rate forecast for May 2026? Experts weigh in
We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms.
TL;DR
- CD rates are projected to remain steady in May 2026, mirroring the Federal Reserve's expected stable funds rate.
- A subtle downward trend in CD rates is possible, influenced by mixed economic signals like inflation and geopolitical pressures.
- Significant decreases in CD rates would necessitate a notable drop in inflation, clearer signs of slowing economic growth, or easing geopolitical tensions.
- CD rates are unlikely to rise significantly, as the Federal Reserve is expected to maintain its current rate cycle.
- Factors that could push CD rates higher include unexpectedly high inflation, stronger economic data, or renewed uncertainty.
- Online banks often offer better CD rates than traditional banks, and laddering CDs across different terms can mitigate risk.
Continue reading the original article