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 | 2.10% APY | Apply Now |
| 24-Month Term | 2.15% APY | Apply Now |
| 36-Month Term | 2.15% APY | Apply Now |
| 48-Month Term | 2.15% APY | Apply Now |
| 84-Month Term | 2.25% APY | Apply Now |
Best 12-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| TotalDirectBank | 2.36% | $25K | $500K | 12-Month CD | Review |
| First National Bank of America | 2.35% | $1K | --- | 12-Month CD | Review |
| Sallie Mae Bank | 2.35% | $2.5k | --- | 12-Month CD | Review |
| State Bank of India Illinois | 2.27% | $2.5k | --- | 15-Month Senior Citizens CD | Review |
| BrioDirect | 2.25% | $500 | --- | 12-Month CD | Review |
| Credit Union of Denver | 2.25% | $25 | --- | 13-Month CD | Review |
| Merrick Bank | 2.25% | $25k | --- | 12-Month CD | Review |
| Quontic Bank | 2.25% | $1k | --- | 12-Month CD | Review |
| State Bank of India Illinois | 2.22% | $2.5k | --- | 12-Month Senior Citizens CD | Review |
| Rising Bank | 2.15% | $25k | $500K | 12-Month CD | Review |
Best 12-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| AmeriCU | NY | 2.70% | $1K | --- | 12-23 Month CD | Review |
| P1FCU | ID, WA | 2.55% | $500 | --- | 12-Month CD | Review |
| Legacy Community Federal Credit Union | AL | 2.50% | $500 | --- | 13-Month CD | Review |
| Wheelhouse Credit Union | CA | 2.50% | $1K | --- | 11-Month CD | Review |
| EFCU Financial | LA | 2.45% | $100K | --- | 12-Month CD | Review |
| Space Coast Credit Union | FL | 2.37% | $500 | --- | 12-Month IRA | Review |
| Travis Credit Union | CA | 2.40% | $500 | --- | 13-Month CD | Review |
| Greater Springfield Credit Union | MA | 2.38% | $1,000 | --- | 15-Month CD | Review |
| EFCU Financial | LA | 2.35% | $100K | --- | 12-Month Jumbo CD | Review |
| Dort Federal Credit Union | MI | 2.30% | $1K | --- | 12-Month CD | Review |
Related posts:
BCB Community Bank CD Account Review: 2.75% APY 15-Month CD Rate Special (NJ, NY)
Midwest BankCentre CD Promotion: 3.00% 24-month CD Rate Special (MO)
First Bank & Trust CD Account Promotion: 2.60% APY 17-Month CD Rate Special (IL)
Floridacentral Credit Union CD Promotion: 4.07% APY 15-Month CD Rate Special (FL)
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