Best 12-month CD Rates - Verified & Updated July 2026

Today’s Best 12-Month CD Rates

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Best 12-month CD Rates :

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A 12-month certificate of deposit (CD) can offer a competitive yield while only keeping your savings locked up for one year. In today’s rate environment, top one-year CD rates are often several times higher than the national average. Before you choose, consider how soon you’ll need access to your funds to avoid early withdrawal penalties. Compare today’s best 12-month CD rates below.
Rate Methodology
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APYs shown below are updated daily. We review offers from banks and credit unions across the U.S. to highlight the highest rates available for a 12-month CD. All institutions listed are FDIC- or NCUA-insured.
Current 12-month CD Trends
3.29% APY*
CD Valet Partner Average
2.77% APY*
National Average
Looking for shorter or longer term rates? View the best 6-Month CD Rates and 24-month CD Rates here
FINANCIAL INSTITUTIONS 
APY* sort
APY Info
Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.
TERM sort
MIN. DEPOSIT sort
 
12 Mo Special- New Money Required
Municipal Credit Union
Municipal Credit Union
star5.0BauerFinancial Rating
APY Updated on 05/04/2026
4.07%
12 Mo
$5,000
Max: No Limit
Restrictions  down
12 Mo Special- New Money Required
Municipal Credit Union
Municipal Credit Union
star5.0BauerFinancial Rating
APY*
4.07%
Term
12 Mo
Min.Deposit
$5,000
Updated: 05/04/2026
Restrictions  down
Community Savings
Community Savings
star5.0BauerFinancial Rating
APY Updated on 07/10/2026
4.00%
12 Mo
$1,000
Max: $500,000
Community Savings
Community Savings
star5.0BauerFinancial Rating
APY*
4.00%
Term
12 Mo
Min.Deposit
$1,000
Updated: 07/10/2026
Finworth
Finworth
A Division of INSBANK
APY Updated on 09/02/2025
3.95%
12 Mo
$50,000
Max: $240,000
Finworth
Finworth
A Division of INSBANK
APY*
3.95%
Term
12 Mo
Min.Deposit
$50,000
Updated: 09/02/2025
12 Mo Insured by NCUA
Alliant Credit Union
Alliant Credit Union
star4.0BauerFinancial Rating
APY Updated on 02/02/2026
3.80%
12 Mo
$75,000
Max: No Limit
12 Mo Insured by NCUA
Alliant Credit Union
Alliant Credit Union
star4.0BauerFinancial Rating
APY*
3.80%
Term
12 Mo
Min.Deposit
$75,000
Updated: 02/02/2026
Bank Iowa
Bank Iowa
star4.0BauerFinancial Rating
APY Updated on 06/03/2026
3.76%
12 Mo
$100,000
Max: $1,000,000
Bank Iowa
Bank Iowa
star4.0BauerFinancial Rating
APY*
3.76%
Term
12 Mo
Min.Deposit
$100,000
Updated: 06/03/2026
Seattle Bank
Seattle Bank
star3.0BauerFinancial Rating
APY Updated on 02/11/2026
3.75%
12 Mo
$1,000
Max: No Limit
Seattle Bank
Seattle Bank
star3.0BauerFinancial Rating
APY*
3.75%
Term
12 Mo
Min.Deposit
$1,000
Updated: 02/11/2026
12 Mo Insured by NCUA
Alliant Credit Union
Alliant Credit Union
star4.0BauerFinancial Rating
APY Updated on 02/02/2026
3.75%
12 Mo
$1,000
Max: No Limit
12 Mo Insured by NCUA
Alliant Credit Union
Alliant Credit Union
star4.0BauerFinancial Rating
APY*
3.75%
Term
12 Mo
Min.Deposit
$1,000
Updated: 02/02/2026
12 Mo Special
American Bank of Freedom
American Bank of Freedom
star5.0BauerFinancial Rating
APY Updated on 07/06/2026
3.65%
12 Mo
$1,000
Max: $240,000
Restrictions  down
12 Mo Special
American Bank of Freedom
American Bank of Freedom
star5.0BauerFinancial Rating
APY*
3.65%
Term
12 Mo
Min.Deposit
$1,000
Updated: 07/06/2026
Restrictions  down
Municipal Credit Union
Municipal Credit Union
star5.0BauerFinancial Rating
APY Updated on 05/04/2026
3.56%
12 Mo
$500
Max: No Limit
Restrictions  down
Municipal Credit Union
Municipal Credit Union
star5.0BauerFinancial Rating
APY*
3.56%
Term
12 Mo
Min.Deposit
$500
Updated: 05/04/2026
Restrictions  down
12 Mo Premier Checking Account Required
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY Updated on 09/22/2025
3.50%
12 Mo
$100,000
Max: No Limit
12 Mo Premier Checking Account Required
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY*
3.50%
Term
12 Mo
Min.Deposit
$100,000
Updated: 09/22/2025
Old Dominion National Bank
Old Dominion National Bank
star5.0BauerFinancial Rating
APY Updated on 06/11/2026
3.25%
12 Mo
$500
Max: No Limit
Restrictions  down
Old Dominion National Bank
Old Dominion National Bank
star5.0BauerFinancial Rating
APY*
3.25%
Term
12 Mo
Min.Deposit
$500
Updated: 06/11/2026
Restrictions  down
Barclays
Barclays
star4.0BauerFinancial Rating
APY Updated on 05/29/2026
3.25%
12 Mo
No Limit
Max: No Limit
Barclays
Barclays
star4.0BauerFinancial Rating
APY*
3.25%
Term
12 Mo
Min.Deposit
No Limit
Updated: 05/29/2026
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY Updated on 09/22/2025
3.00%
12 Mo
$100,000
Max: No Limit
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY*
3.00%
Term
12 Mo
Min.Deposit
$100,000
Updated: 09/22/2025
12 Mo Premier Checking Account Required
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY Updated on 09/22/2025
3.00%
12 Mo
$1,000
Max: $99,999.99
12 Mo Premier Checking Account Required
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY*
3.00%
Term
12 Mo
Min.Deposit
$1,000
Updated: 09/22/2025
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY Updated on 03/03/2025
2.70%
12 Mo
$100,000
Max: No Limit
Restrictions  down
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY*
2.70%
Term
12 Mo
Min.Deposit
$100,000
Updated: 03/03/2025
Restrictions  down
Flagler Credit Union
Flagler Credit Union
A Division of Dort Financial
APY Updated on 03/03/2025
2.70%
12 Mo
$100,000
Max: No Limit
Restrictions  down
Flagler Credit Union
Flagler Credit Union
A Division of Dort Financial
APY*
2.70%
Term
12 Mo
Min.Deposit
$100,000
Updated: 03/03/2025
Restrictions  down
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY Updated on 03/03/2025
2.60%
12 Mo
$1,000
Max: No Limit
Restrictions  down
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY*
2.60%
Term
12 Mo
Min.Deposit
$1,000
Updated: 03/03/2025
Restrictions  down
Flagler Credit Union
Flagler Credit Union
A Division of Dort Financial
APY Updated on 03/03/2025
2.60%
12 Mo
$1,000
Max: No Limit
Restrictions  down
Flagler Credit Union
Flagler Credit Union
A Division of Dort Financial
APY*
2.60%
Term
12 Mo
Min.Deposit
$1,000
Updated: 03/03/2025
Restrictions  down
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY Updated on 09/22/2025
2.50%
12 Mo
$1,000
Max: $99,999.99
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY*
2.50%
Term
12 Mo
Min.Deposit
$1,000
Updated: 09/22/2025
3-12 Mo AMP
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY Updated on 03/03/2025
2.35%
12 Mo
$100
Max: No Limit
Restrictions  down
3-12 Mo AMP
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY*
2.35%
Term
12 Mo
Min.Deposit
$100
Updated: 03/03/2025
Restrictions  down
1-20 of 21 results
Frequently Asked Questions
How to find and compare the best 12-month CD rates ?
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The easiest way to compare the best 12-month CD rates is with CD Valet. Use CD Valet to view nationwide rates that are updated daily, and filter by term, deposit amount, and promotions,so you can quickly find top offers.
    When comparing CDs, pay close attention to three key factors:
  • APY (Annual Percentage Yield): Shows your actual return.
  • Minimum deposit: Requirements range from hundreds to thousands.
  • Early withdrawal penalties: Know the cost if you access funds before maturity.
What is a 12-month CD ?
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A 12-month CD is a savings product where you commit to keeping your money on deposit for one year in exchange for a fixed interest rate. Most 12-month CD rates are higher than traditional savings, FDIC- or NCUA insured, and provide a safe, low risk way to grow money.
How much could I earn with this CD ?
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Want to see what today’s 12-month CD rates could earn you? Use the calculator below to estimate your return. Just enter your deposit amount and the current rate, and you’ll instantly see how much you can earn after 12-months.

* Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.

** Annual Percentage Yield (APY) for High Yield Savings Accounts (HYSA) are effective as of the date shown above. HYSA are variable rate accounts. Rates may change after the account is opened. Fees may reduce earnings. Additional restrictions and requirements may apply. Please review the account deposit agreement and fee schedule for the financial institution for further information regarding fees, terms, and conditions.

Tiered rates may be included in the account listings. Please refer to the financial institution's website for the full listing of any tiered rates. Visitors should independently verify all terms, conditions, and limitations including, but not limited to deposit insurance coverage, credit union eligibility and membership requirements. CD Valet is not a federally insured deposit institution; deposit insurance is offered through the bank or credit union. CD Valet is compensated by a limited number of financial institutions that have either contracted marketing services with CD Valet or have an Open Now or affiliate link on CD Valet. Visit our Privacy and Disclosure Center to read related disclosures and policies of CD Valet and its partners.


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