If you’re looking for the Best 12-Month CD Rates to invest your funds in, you’re in the right spot. Below is our guide to help you find the Best 12-Month CD Rates. Certificate of deposits, otherwise known as CDs, will offer you one of the best & secure way to get a return on your money when you invest it with your bank/credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: Looking for a more full, extensive list of available CD rates? see our post on the Best CD Rates. We recommend checking out the Discover CD account.
Interested in certain terms only? See below for our list of the best CD rates in the following terms:
- Best 6-Month CD Rates
- Best 9-Month CD Rates
- Best 18-Month CD Rates
- Best 24-Month CD Rates
- Best 36-Month CD Rates
- Best 48-Month CD Rates
- Best 60-Month CD Rates
| DISCOVER CD TERM | RATE | LINK |
| 12-Month Term | 2.40% APY | Apply Now |
| 24-Month Term | 2.45% APY | Apply Now |
| 36-Month Term | 2.50% APY | Apply Now |
| 48-Month Term | 2.55% APY | Apply Now |
| 84-Month Term | 2.65% APY | Apply Now |
Best 12-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| GTE Financial | 3.30% | $500 | --- | 12-Month IRA | Review |
| Inova Federal Credit Union | 2.95% | $200 | --- | 12-Month IRA | Review |
| Quontic Bank | 2.85% | $1K | --- | 12-Month CD | Review |
| MapleMark Bank | 2.85% | $25K | --- | 12-Month CD | Review |
| State Bank of India Illinois | 2.84% | $2.5k | --- | 12-Month Senior Citizens CD | Review |
| SouthEast Bank | 2.81% | $1K | --- | 12-Month CD | Review |
| State Bank of India | 2.78% | $25k | --- | 12-Month CD | Review |
| Limelight Bank | 2.70% | $1k | $500K | 12-Month CD | Review |
| Bank5 Connect | 2.70% | $500 | $500K | 12-Month CD | Review |
| Hiway Federal Credit Union | 2.70% | $500 | --- | 14-Month CD | Review |
Best 12-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Red Rocks Credit Union | CO | 2.75% | $1,000 | --- | 12-Month CD | Review |
| Rhinebeck Bank | NY | 2.95% | $10k | --- | 14-Month CD | Review |
| Linn Area Credit Union | IA | 2.85% | $1K | --- | 12-Month CD | Review |
| Verve, A Credit Union | MN, WI | 2.79% | $1K | --- | 14-Month CD | Review |
| Wasatch Peaks Credit Union | UT | 2.75% | $500 | --- | 12-Month CD | Review |
| Baton Rouge Telco Federal Credit Union | LA | 2.70% | $500 | --- | 12-Month CD | Review |
| Centric Bank | PA | 2.70% | $1K | --- | 13-14 Month CD | Review |
| Cross River Bank | NJ | 2.70% | $500 | --- | 12-Month CD | Review |
| First Florida Credit Union | FL | 2.69% | $50K | --- | 12-Month CD | Review |
Danny, can you tell me about banks that are offering cash for opening cds land opening an IRA?
Hi Jackwolk,
Thank you for being a reader! As of current, I am not aware of any banks that offer an incentive for opening a CD – it’s typically uncommon to see a cash offer for opening a CD.
However, you can find our list of bank bonuses at https://www.hustlermoneyblog.com/best-bank-promotions/
And an extensive list of CD account promotions at https://www.hustlermoneyblog.com/best-cd-rates/
Its April 9, 2019. Your rates are way off base as of this date.
Danny I enjoy browsing your website for CD and savings deals. I found the 2.8% 1 yr CD at Mainstreetbank Thanks! as an FYI your listing of Barclays 1 yr cd appers incorrect when you clik on to their website