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 | 2.00% APY | Apply Now |
| 24-Month Term | 2.05% APY | Apply Now |
| 36-Month Term | 2.05% APY | Apply Now |
| 48-Month Term | 2.05% APY | Apply Now |
| 84-Month Term | 2.15% APY | Apply Now |
Best 12-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| State Bank of India Illinois | 2.27% | $2.5k | --- | 15-Month Senior Citizens CD | Review |
| Credit Union of Denver | 2.25% | $25 | --- | 13-Month CD | Review |
| First Technology Federal Credit Union | 2.20% | $50k | --- | 12-Month CD | Review |
| Partner Colorado Credit Union | 2.20% | $100k | --- | 12-Month CD | Review |
| Quontic Bank | 2.20% | $1k | --- | 12-Month CD | Review |
| Veridian Credit Union | 2.20% | $100k | --- | 12-Month CD | Review |
| Dow Chemical Employees' Credit Union | 2.16% | $1k | --- | 12-Month Simple CD | Review |
| Andrews Federal Credit Union | 2.15% | $1k | --- | 13-Month CD | Review |
| Live Oak Bank | 2.15% | $2.5k | --- | 12-Month CD | Review |
| Marcus By Goldman Sachs | 2.15% | $500 | --- | 12-Month High-Yield CD | Review |
Best 12-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Amplify Credit Union | TX | 3.00% | $500 | $10k | 15-Month CD | Review |
| GPO Federal Credit Union | NY | 3.00% | $1k | --- | 14-Month CD | Review |
| United Credit Union | IL | 2.73% | $500 | --- | 12-Month CD | Review |
| AmeriCU | NY | 2.70% | $1k | --- | 12-23 Month CD | Review |
| Dort Federal Credit Union | MI | 2.45% | $100k | --- | 12-Month CD | Review |
| EFCU Financial | LA | 2.45% | $100k | --- | 12-Month CD | Review |
| Freedom Federal Credit Union | MD | 2.40% | $50k | --- | 52-Week Jumbo CD | Review |
| Nymeo Federal Credit Union | MD | 2.40% | $5k | $500k | 13-Month CD | Review |
| TEG Federal Credit Union | NY | 2.40% | $500 | --- | 14-Month CD | Review |
| P1FCU | ID, WA | 2.40% | $500 | --- | 12-Month CD | Review |
Related posts:
Y-12 Federal Credit Union CD Account Promotion: 2.55% APY 3-Month CD Special (TN)
Ent Credit Union CD Account Promotion: 1.85% APY 12-Month, 1.95% APY 24-Month CD Specials (CO)
Third Federal Savings & Loan CD Promotion: 3.50% APY 59-Month CD Rate Special (Nationwide)
Provident Credit Union CD Promotion: 3.01% APY 18-Month CD Rate Special (CA)
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