Survey finds 77% of savers favor CDs with one-time rate bump

A Credit One Bank survey of 1,000 U.S. consumers, run via Pollfish in April 2026 while Fed rates were steady, found that 77% would be more likely to open a certificate of deposit if it offered a one-time rate-bump feature. Twenty-eight percent said the feature would make them much more likely and 49% somewhat more likely; less than 3% said less likely and 20% said it would change nothing. Only 9% said they would regret locking in if rates fell. Coverage tied the results to the Fed's mid-September unanimous vote raising rates by a quarter point. Respondents also favored shorter terms—38% preferred nine to 12 months and 28% preferred 18 to 24 months—while just 4% preferred four to five years. Forty percent said a higher rate and penalty-free withdrawal mattered equally. The rate-bump finding and the shorter-term preference both signal a desire for flexibility if rates move. No factual disputes appear across rated coverage. Left- and right-rated outlets ran the same survey findings under slightly different headlines. The figures reflect stated intentions, not recorded account openings.