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 |
| 12-Month Term | 0.50% APY | Apply Now |
| 24-Month Term | 0.50% APY | Apply Now |
| 36-Month Term | 0.55% APY | Apply Now |
| 48-Month Term | 0.55% APY | Apply Now |
| 84-Month Term | 0.60% APY | Apply Now |
Best 12-Month CD Rates – Nationwide
Best 12-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Navy Army Credit Union | TX | 1.20% | $100k | --- | 12-Month Jumbo CD | Review |
| CoastLife Credit Union | TX | 1.12% | $1,000 | --- | 12-Month 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 |
| Valley First Credit Union | CA | 1.00% | $1k | --- | 15-Month Special CD | Review |
| Allegiance Credit Union | OK | 0.96% | $100K | --- | 12-Month Jumbo 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 |
| TEXAR Federal Credit Union | AR, TX | 0.90% | $1K | --- | 12-Month 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 |
| Oklahoma's Credit Union | OK | 0.85% | $500 | --- | 12-Month CD | Review |
| Golden Plaiins Credit Union | KS | 0.81% | $5,000 | --- | 12-Month CD | Review |
| Delta Community Credit Union | GA | 0.80% | $1,000 | --- | 12-Month CD | Review |
| Abound Credit Union | KY | 0.80% | $500 | --- | 13-Month Special CD | Review |
| Communication Federal Credit Union | KA, OK | 0.75% | $1,000 | --- | 12-Month CD | Review |
| Pathways Financial Credit Union | KY, OH | 0.75% | $500 | --- | 12-Month CD | Review |
| Advancial | OK, LA, TX, AK | 0.55% | $1,000 | --- | 12-Month CD | Review |
| Advancial | OK, LA, TX, AK | 0.55% | $1,000 | --- | 11-Month CD | Review |
| Campus Federarl | LA | 0.55% | $1,000 | --- | 12-Month CD | Review |
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.