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.
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
| PROMOTIONAL LINK | RATE | REVIEW |
| Discover Bank | Up to 3.10% APY | Review |
| Synchrony Bank | Up to 3.10% APY | Review |
| Barclays | Up to 3.00% APY | Review |
| CIT Bank | Up to 2.50% APY | Review |
| BBVA Compass Bank | Up to 2.25% APY | Review |
Best 12-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| CD Bank | 3.00% | $10k | --- | 12-Month CD | Review |
| State Bank of India Illinois | 2.89% | $2.5k | --- | 12-Month Senior Citizens CD | Review |
| State Bank of India New York | 2.88% | $25k | --- | 12-Month CD | Review |
| Merrick Bank | 2.87% | $25K | --- | 12-Month CD | Review |
| Comenity Direct | 2.86% | $1,500 | --- | 12-Month CD | Review |
| Rising Bank | 2.85% | $1K | $500K | 12-Month CD | Review |
| Limelight Bank | 2.85% | $1k | --- | 12-Month CD | Review |
| Quontic Bank | 2.85% | $1k | --- | 12-Month CD | Review |
| Banesco USA | 2.85% | $1.5k | $250k | 12-Month CD | Review |
| NBKC | 2.85% | $10k | --- | 10-Month CD | Review |
Best 12-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Taunton Federal Credit Union | MA, RI | 3.11% | $250 | --- | 11-Month CD | Review |
| Granite Federal Credit Union | UT | 3.05% | $500 | --- | 11-Month CD | Review |
| Cyprus Credit Union | UT | 3.05% | $500 | --- | 13-Month CD | Review |
| Prince George's Community Credit Union | MD | 3.04% | $1,000 | --- | 13-Month CD | Review |
| Town & Country Federal Credit Union | MA | 3.04% | $500 | --- | 12-Month CD | Review |
| Red Rocks Credit Union | CO | 3.00% | $1,000 | --- | 12-Month CD | Review |
| PathFinder Bank | NY | 3.00% | $1k | --- | 11-Month CD | Review |
| Jefferson Financial Federal Credit Union | LA | 2.96% | $100k | --- | 12-Month Jumbo CD | Review |
| University Federal Credit Union | UT | 2.95% | $500 | --- | 12-Month CD | Review |
| Rhinebeck Bank | NY | 2.95% | $10k | --- | 14-Month CD | Review |
| Cross River Bank | NJ | 2.90% | $500 | --- | 12-Month CD | Review |
Jackwolk says
April 19, 2019 at 2:46 amDanny, can you tell me about banks that are offering cash for opening cds land opening an IRA?
Danny Nguyen says
April 19, 2019 at 2:59 pmHi 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/
Ellen Hago says
April 9, 2019 at 2:07 pmIts April 9, 2019. Your rates are way off base as of this date.
Rick says
July 17, 2018 at 6:14 pmDanny 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