Certificates of deposit data methodology

This page describes the release rules for SwitchWize's approved certificates of deposit dataset. It does not imply that a current release exists.

Check current category status

Required evidence and freshness

A current release uses evidence no older than 72 hours at publication. Every displayed metric and required term has its own source receipt.

• A current release needs editor approval, a source receipt for every displayed metric and required term, and no unresolved exclusions.
• Current releases require official or government evidence. An aggregator observation alone cannot approve a current rate.
• Missing, conflicting, future-dated, or stale evidence excludes a record from a current release.
• Rates and terms may change after the evidence time; check the issuer before applying.

Product qualification

A missing term or withdrawal penalty blocks a current CD record. Brokered CD price/yield conventions require separate review.

Fields we require

Metric convention: headline_apy.

• minimum_balance_usd
• monthly_fee_usd
• insurance_agency
• term_months
• early_withdrawal_penalty
• maturity_renewal_rule
• grace_period_days
• callable

Ordering

The approved deposit feed orders current records by headline APY descending, then stable record ID. Compare only products with the intended term and read penalty and callability before treating the rate as comparable.

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