Rolling over your CD is a decision that requires careful consideration, especially in the current rate environment. Athima Tongloom/Getty Images

Many savers who locked in high rates on certificate of deposit (CD) accounts over the last few years are now dealing with their CD accounts maturing in a very different rate environment. The once-common 5% CD yields have largely disappeared, replaced by offers closer to the mid-4% range. And with the Federal Reserve widely expected to continue trimming rates through the remainder of 2025, the rates on CDs could slide even lower in the months ahead.

That shift matters for account holders whose CDs are about to mature. Most banks automatically roll these accounts into a new term if no action is taken, potentially locking savers int

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