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.
Best 12-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| The Vanguard Group Brokered CD | 4.15% | $1K | --- | 12-Month non-callable CD | Issued by BMOH |
| Fidelity Brokered CD | 4.10% | $1K | --- | 12-Month non-callable CD | Issued by F3rdB, MSPB, TSCB |
| State Bank of Texas (SBT) | 3.85% | $25K | $250K | 12-Month CD | Review |
| Lafayette Federal Credit Union | 3.80% | $500 | --- | 12-Month Fixed CD | Review |
| USALLIANCE Financial | 3.75% | $500 | --- | 12-Month Certificate | Review |
| Rising Bank | 3.70% | $1K | --- | 12-Month CD | Review |
| Bread Financial | 3.60% | $1.5K | --- | 12-Month CD | Review |
| Credit One Bank, N.A. | 3.60% | $100K | --- | 13-Month Jumbo CD | Review |
| Merrick Bank | 3.60% | $25K | $250K | 12-Month CD | Review |
| CFG Bank | 3.56% | $500 | $250K | 12-Month CD | Review |
| Banesco USA | 3.55% | $1.5K | --- | 12-Month CD | Review |
| Connexus Credit Union | 3.51% | $5K | --- | 12-Month CD | Review |
| CIT Bank | 3.50% | $1K | --- | 13-Month CD | Review |
| Air Force Federal Credit Union | 3.50% | $100K | --- | 13-Month CD | Review |
| Patelco Credit Union | 3.50% | $250 | --- | 11-Month CD | Review |
| Quorum Federal Credit Union | 3.50% | $1K | --- | 13-Month CD | Review |
| ConnectOne Bank | 3.30% | $500 | $1M | 13-Month CD | Review |
| My e-BAnC | 3.30% | $5,000 | --- | 12-Month Online Time Deposit CD | Review |
| Sallie Mae Bank | 3.05% | $1 | --- | 14-Month No-Penalty CD | Review |
| mph.bank | 3.00% | $1 | --- | 12-month High-Yield CD via SaveBetter | Review |
| SkyOne Federal Credit Union | 2.85% | $1 | --- | 12-Month CD | Review |
| Patriot Bank | 2.75% | $1 | --- | 13-Month CD | Review |
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
| American First Credit Union | 3.80% APY 24-Month CD | Review |
| CIT Bank | 3.50% APY 13-Month CD | Review |
| Sallie Mae | 3.05% APY 14-Month No-Penalty CD | Review |
| Ponce Bank | 3.00% APY 36-Month No-Penalty CD | Review |
| CIT Bank | 2.75% APY 11-Month No-Penalty CD | Review |
| Patriot Bank | 2.70% APY 17-Month No-Penalty CD | Review |
| Discover Bank | Up to 3.30% APY | Review |
| Quontic Bank | Up to 3.20% APY | Review |
Related posts:
CFG Bank offers a 3.05%
APY 12-month CD.
https://www.cfg.bank/personal-banking/personal-deposit-rates/
Thanks Steve. We added to our list.
https://www.liveoakbank.com/personal-banking/personal-cd
Live Oak Bank got their rates adjusted upwards very quickly after the Fed .5% move yesterday, and they look quite nice …
Danny, Hustler Fam, – FYI Langley FCU is now 19 mo cert to earn 1.25%
12 mo. now .60%
Thank you for your input, rj! The rates have been updated.
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
The Langley FCU promotional CD rate is only available to members in certain states, although membership in the credit union itself seems to be nationwide.