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 | 0.30% APY | Apply Now |
| 13-Month Term | 0.35% APY | Apply Now |
| 18-Month Term | 0.30% APY | Apply Now |
| 4-Year Term | 0.50% APY | Apply Now |
Best 12-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| American Heritage Federal Credit Union | 1.15% | $500 | --- | 11-Month CD | Review |
| ParkeBank | 1.01% | $500 | --- | 12-Month CD | Review |
| US Postal Service Federal Credit Union | 1.00% | $250 | --- | 12-Month IRA | Review |
| Credit Union of Denver | 0.90% | $5k | --- | 13-Month CD | Review |
| Evansville Teachers Federal Credit Union | 0.85% | $1k | --- | 14-Month CD | Review |
| Hiway Federal Credit Union | 0.85% | $25k | --- | 12-23 Month CD | Review |
| Bank of Baroda | 0.80% | $1k | --- | 12-Month CD | Review |
| Communitywide Federal Credit Union | 0.80% | $1k | --- | 12-Month CD | Review |
| LaFayette Federal Credit Union | 0.80% | $500 | --- | 12-Month CD | Review |
| State Department Federal Credit Union | 0.80% | $500 | --- | 12-Month CD | Review |
| Paramount Bank | 0.75% | $1k | --- | 12-Month CD | Review |
| iGobanking | 0.60% | $1k | --- | 12-Month CD | Review |
Best 12-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| CoastLife Credit Union | TX | 1.36% | $1,000 | --- | 12-Month CD | Review |
| TEXAR Federal Credit Union | AR, TX | 1.25% | $1,000 | --- | 12-Month CD | Review |
| Navy Army Credit Union | TX | 1.20% | $100k | --- | 12-Month Jumbo CD | Review |
| RelyOn Credit Union | TX | 1.10% | $1,000 | --- | 12-Month CD | Review |
| Olean Federal Credit Union | NY, PA | 1.10% | $500 | --- | 14-Month CD | Review |
| CenLA Federal Credit Union | LA | 1.01% | $1,000 | --- | 12-Month CD | Review |
| Gulf Coast Federal Credit Union | TX | 1.00% | $500 | --- | 12-Month CD | Review |
| Adventure Credit Union | MI | 1.00% | $500 | --- | 12-Month CD | Review |
| Gulf Coast Federal Credit Union | TX | 1.00% | $500 | --- | 12-Month CD | Review |
| Community First Credit Union | WI | 0.90% | $1,000 | --- | 12-Month CD | Review |
| City of Boston Credit Union | MA | 0.90% | $500 | --- | 13-Month Share CD | Review |
| CSE Federal Credit Union | LA | 0.85% | $1,000 | --- | 12-Month CD | Review |
| Diversified Members Credit Union | MI | 0.85% | $200 | --- | 13-Month CD | Review |
| Delta Community Credit Union | GA | 0.80% | $1,000 | --- | 12-Month CD | Review |
| Campus Federarl | LA | 0.55% | $1,000 | --- | 12-Month CD | Review |
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Huntington 25 Checking | $300 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save Account | $100 Cash | Review |
| Ally Invest | Up to $3,500 Cash | Review |
| BlockFi | Up To $250 BTC | Review |
| American Express High Yield Savings | 0.50% APY | Review |
| Discover Cashback Debit Account | $360 Cash | Review |
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