{"index_id":"cd-spread","label":"12-Month CD Spread Index","representative_balance":25000,"unit":"CDs","source":"https://www.switchwize.com/indices/cd-spread","series":[{"month":"2026-06-01","index_value":122,"baseline_apy":3.65,"top_avg_apy":4.14,"gap_points":0.49,"units_tracked":75}]}