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
| CIT BANK CD TERM | RATE | LINK |
| 12-Month Term | 1.86% APY | Apply Now |
| 13-Month Term | 1.82% APY | Apply Now |
| 18-Month Term | 1.85% APY | Apply Now |
| DISCOVER CD TERM | RATE | LINK |
| 12-Month Term | 1.75% APY | Apply Now |
| 24-Month Term | 1.75% APY | Apply Now |
| 36-Month Term | 1.80% APY | Apply Now |
| 48-Month Term | 1.80% APY | Apply Now |
| 84-Month Term | 1.80% APY | Apply Now |
Best 12-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Spectrum Credit Union | 2.10% | $500 | --- | 13-Month CD | Review |
| Gateway First Bank | 2.02% | $25,000 | --- | 12-Month CD | Review |
| Live Oak Bank | 1.90% | $2.5k | --- | 12-Month CD | Review |
| Merrick Bank | 1.90% | $25K | --- | 12-Month CD | Review |
| CIT Bank | 1.86% | $1k | --- | 12-Month CD | Review |
| Barclays | 1.85% | --- | --- | 12-Month Online CD | Review |
| Marcus by Goldman Sachs | 1.85% | $500 | --- | 12-Month CD | Review |
| Banesco USA | 1.75% | $1.5k | $250k | 12-Month CD | Review |
| Pen Air Federal Credit Union | 1.70% | $500 | --- | 12-Month CD | Review |
| Veridian Credit Union | 1.70% | $100k | --- | 12-Month CD | Review |
Best 12-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| EFCU Financial | LA | 2.45% | $100k | --- | 12-Month CD | Review |
| Elga Credit Union | MI | 2.20% | $500k | --- | 15-Month CD | Review |
| Farmers and Merchants Bank | NE | 2.17% | $75k | --- | 13-Month CD | Review |
| Dort Federal Credit Union | MI | 1.80% | $100k | --- | 12-Month CD | Review |
| Palmetto Citizens Federal Credit Union | SC | 1.76% | $100k | --- | 12 Month CD | Review |
| TEXAR Federal Credit Union | TX, AR | 1.75% | $1k | --- | 12-Month CD | Review |
| Seattle Bank | WA | 1.65% | $1k | --- | 12-Month CD | Review |
| Travis Credit Union | CA | 1.50% | $500 | --- | 13-Month CD | Review |
Related posts:
First National Bank CD Rates: 2.30% APY 13-Month CD (AZ, CT, FL, MA, RI, TN, VA)
Members Choice Credit Union CD Rates: 1.90% APY 9-Month Jumbo CD (TX)
IC Federal Credit Union CD Account Promotion: 1.59% APY 6-Month CD, 2.59% APY 12-Month CD, 2.15% APY...
Synchrony Bank CD Rates: 1.50% APY 18-Month CD, 1.50% APY 24-Month CD, 1.55% APY 36-Month CD (Nation...
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/
Charles Schwab is offering cash to open an account. They have cd’s
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