{"id":5771,"date":"2026-05-05T13:22:02","date_gmt":"2026-05-05T20:22:02","guid":{"rendered":"https:\/\/www.cdvalet.com\/insights\/?p=5771"},"modified":"2026-05-05T14:45:34","modified_gmt":"2026-05-05T21:45:34","slug":"best-cd-rates-by-state-12-month","status":"publish","type":"post","link":"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-by-state-12-month\/","title":{"rendered":"CD Valet Best Rates Map Shows Where Savers Can Find the Best 12-Month CD Rates by State"},"content":{"rendered":"\n

Annual Percentage Yields (APYs) listed below are effective as of May 4, 2026.<\/em><\/p>\n\n\n\n

With a divided Federal Reserve leaving its benchmark interest rate unchanged at 3.50% to 3.75%<\/strong> at its April 29 meeting, savers need to be even more determined to shop and compare CD rates to ensure they are earning the highest rates possible on their Certificates of Deposit (CDs). <\/p>\n\n\n\n

As more than $1 trillion in CDs mature before year-end, CD Valet\u2019s Best CD Rates by State Map<\/a><\/span> lets consumers compare the top CD rate in each state, including the financial institution offering it, term length, minimum deposit, and whether the offer comes from a bank or credit union. <\/p>\n\n\n\n

Here\u2019s a list of the highest offerings by state, drawn from CD Valet\u2019s database of nearly 40,000 CD rates from approximately 5,000 banks and credit unions as of May 4, 2026. These rates reflect the highest CD rates from financial institutions based in each state.<\/p>\n\n\n\n

Financial Institution<\/strong><\/td>State<\/strong><\/td>Term\/Mos.<\/strong><\/td>APY%<\/strong><\/td>Minimum Deposit<\/strong><\/td><\/tr>
New Horizons Credit Union<\/a><\/span><\/td>AL<\/td>12<\/td>4.10<\/td>$500<\/td><\/tr>
MAC Federal Credit Union<\/a><\/span><\/td>AK<\/td>12<\/td>4.15<\/td>$500<\/td><\/tr>
Pyramid Federal Credit Union<\/a><\/span><\/td>AZ<\/td>12<\/td>4.07<\/td>$25<\/td><\/tr>
Arkansas Federal Credit Union<\/a><\/span><\/td>AR<\/td>12<\/td>4.05<\/td>$1,000<\/td><\/tr>
Golden Valley Federal Credit Union<\/a><\/span><\/td>CA<\/td>12<\/td>5.09<\/td>$500<\/td><\/tr>
Colorado Federal Savings Bank<\/a><\/span><\/td>CO<\/td>12<\/td>3.90<\/td>$5,000<\/td><\/tr>
New Haven County Credit Union<\/a><\/span><\/td>CT<\/td>12<\/td>4.08<\/td>$500<\/td><\/tr>
Priority Plus Federal Credit Union<\/a><\/span><\/td>DE<\/td>12<\/td>4.06<\/td>$1,000<\/td><\/tr>
Department of the Interior<\/a><\/span><\/td>DC<\/td>12<\/td>3.92<\/td>$500<\/td><\/tr>
Baptist Health South Florida F.C.U.<\/a><\/span><\/td>FL<\/td>12<\/td>4.25<\/td>$10,000<\/td><\/tr>
RBC Bank (Georgia) N.A.<\/a><\/span><\/td>GA<\/td>12<\/td>4.10<\/td>$1,000<\/td><\/tr>
Coast360 Federal Credit Union<\/a><\/span><\/td>GU<\/td>12<\/td>3.85<\/td>$100,000<\/td><\/tr>
Gather Federal Credit Union<\/a><\/span><\/td>HI<\/td>12<\/td>3.75<\/td>$1,000<\/td><\/tr>
Hawaii Community F.C.U.<\/a><\/span><\/td>HI<\/td>12<\/td>3.75<\/td>$1,000<\/td><\/tr>
Advantage Plus Federal Credit Union<\/a><\/span><\/td>ID<\/td>12<\/td>3.75<\/td>$1,000<\/td><\/tr>
First Bank Chicago<\/a><\/span><\/td>IL<\/td>12<\/td>4.00<\/td>$2,500<\/td><\/tr>
Home National Bank of Thorntown<\/a><\/span><\/td>IN<\/td>12<\/td>4.01<\/td>$100,000<\/td><\/tr>
Cedar Falls Community Credit Union<\/a><\/span><\/td>IA<\/td>12<\/td>4.25<\/td>$100,000<\/td><\/tr>
Topeka Firemen’s Credit Union<\/a><\/span><\/td>KS<\/td>12<\/td>4.55<\/td>$500<\/td><\/tr>
Members Heritage Credit Union<\/a><\/span><\/td>KY<\/td>12<\/td>4.10<\/td>$100,000<\/td><\/tr>
Commonwealth Federal Credit Union<\/a><\/span><\/td>KY<\/td>12<\/td>4.10<\/td>$75,000<\/td><\/tr>
American Bank & Trust Company<\/a><\/span><\/td>KY<\/td>12<\/td>4.10<\/td>$1,000<\/td><\/tr>
Internal Revenue F.C.U.<\/a><\/span><\/td>LA<\/td>12<\/td>4.31<\/td>$1,000<\/td><\/tr>
TruChoice Federal Credit Union<\/a><\/span><\/td>ME<\/td>12<\/td>4.00<\/td>$2,500<\/td><\/tr>
U S Postal Service F.C.U.<\/a><\/span><\/td>MD<\/td>12<\/td>4.10<\/td>$1<\/td><\/tr>
Worcester Fire Dept. Credit Union<\/a><\/span><\/td>MA<\/td>12<\/td>4.07<\/td>$1,000<\/td><\/tr>
Family Financial Credit Union<\/a><\/span><\/td>MI<\/td>12<\/td>4.18<\/td>$25,000<\/td><\/tr>
Northridge Community Credit Union<\/a><\/span><\/td>MN<\/td>12<\/td>4.06<\/td>$1,000<\/td><\/tr>
Meridian Mississippi ANG F.C.U.<\/a><\/span><\/td>MS<\/td>12<\/td>4.04<\/td>$5,000<\/td><\/tr>
Missouri Electric Cooperatives ECU<\/a><\/span><\/td>MO<\/td>12<\/td>4.37<\/td>$100,000<\/td><\/tr>
Grasslands Federal Credit Union<\/a><\/span><\/td>MT<\/td>12<\/td>4.25<\/td>$100,000<\/td><\/tr>
Omaha Public Power District EFCU<\/a><\/span><\/td>NE<\/td>12<\/td>4.02<\/td>$1,000<\/td><\/tr>
Credit One Bank N.A.<\/a><\/span><\/td>NV<\/td>12<\/td>4.15<\/td>$100,000<\/td><\/tr>
Lighthouse Federal Credit Union<\/a><\/span><\/td>NH<\/td>12<\/td>4.00<\/td>$500<\/td><\/tr>
Healthcare Employees F.C.U.<\/a><\/span><\/td>NJ<\/td>12<\/td>4.06<\/td>$1,000<\/td><\/tr>
Artesia Credit Union<\/a><\/span><\/td>NM<\/td>12<\/td>4.32<\/td>$5,000<\/td><\/tr>
I AM Federal Credit Union<\/a><\/span><\/td>NY<\/td>12<\/td>4.25<\/td>$1,000<\/td><\/tr>
Marine Federal Credit Union<\/a><\/span><\/td>NC<\/td>12<\/td>4.33<\/td>$1<\/td><\/tr>
Rolette State Bank<\/a><\/span><\/td>ND<\/td>12<\/td>3.68<\/td>$500<\/td><\/tr>
First National Bank and Trust of Bottineau<\/a><\/span><\/td>ND<\/td>12<\/td>3.68<\/td>$500<\/td><\/tr>
State Bank of Bottineau<\/a><\/span><\/td>ND<\/td>12<\/td>3.68<\/td>$100<\/td><\/tr>
Materion Federal Credit Union<\/a><\/span><\/td>OH<\/td>12<\/td>4.50<\/td>$500<\/td><\/tr>
Encentus Federal Credit Union<\/a><\/span><\/td>OK<\/td>12<\/td>4.08<\/td>$100,000<\/td><\/tr>
Unitus Community Credit Union<\/a><\/span><\/td>OR<\/td>12<\/td>3.75<\/td>$500<\/td><\/tr>
Point West Credit Union<\/a><\/span><\/td>OR<\/td>12<\/td>3.75<\/td>$25<\/td><\/tr>
Teamsters Council #37 Credit Union<\/a><\/span><\/td>OR<\/td>12<\/td>3.75<\/td>$500<\/td><\/tr>
Locomotive & Control Employees FCU<\/a><\/span><\/td>PA<\/td>12<\/td>4.08<\/td>$1,000<\/td><\/tr>
New Castle Bellco F.C.U.<\/a><\/span><\/td>PA<\/td>12<\/td>4.08<\/td>$1,000<\/td><\/tr>
Wave Federal Credit Union<\/a><\/span><\/td>RI<\/td>12<\/td>3.70<\/td>$1,000<\/td><\/tr>
Greenville Heritage F.C.U.<\/a><\/span><\/td>SC<\/td>12<\/td>4.08<\/td>$101,000<\/td><\/tr>
Lakota Federal Credit Union<\/a><\/span><\/td>SD<\/td>12<\/td>4.00<\/td>$250<\/td><\/tr>
Chattanooga Area Schools F.C.U.<\/a><\/span><\/td>TN<\/td>12<\/td>4.11<\/td>$2,000<\/td><\/tr>
A+ Federal Credit Union<\/a><\/span><\/td>TX<\/td>12<\/td>5.00<\/td>$10<\/td><\/tr>
Utah Power Credit Union<\/a><\/span><\/td>UT<\/td>12<\/td>4.50<\/td>$500<\/td><\/tr>
Wells River Savings Bank<\/a><\/span><\/td>VT<\/td>12<\/td>3.56<\/td>$200<\/td><\/tr>
Apple Federal Credit Union<\/a><\/span><\/td>VA<\/td>12<\/td>4.50<\/td>$50<\/td><\/tr>
Alaska Air Group Federal C.U.<\/a><\/span><\/td>WA<\/td>12<\/td>4.07<\/td>$100,000<\/td><\/tr>
Ravenswood Federal Credit Union<\/a><\/span><\/td>WV<\/td>12<\/td>4.00<\/td>$500<\/td><\/tr>
Park Bank N.A.<\/a><\/span><\/td>WI<\/td>12<\/td>4.01<\/td>$10,000<\/td><\/tr>
Bank of Star Valley<\/a><\/span><\/td>WY<\/td>12<\/td>3.80<\/td>$250<\/td><\/tr><\/tbody><\/table>
Best 12-month CD rates in each state as of May 4, 2026.<\/em><\/figcaption><\/figure>\n\n\n\n

The rate reductions of fall 2025 have savers searching harder for competitive CD rates, forcing them to look beyond their primary financial institutions and look statewide or even nationwide for stronger rates.  <\/p>\n\n\n\n

\u201cEarly observations from CD Valet\u2019s 12-month rate data show that top offers are not generally found at national bank brands — which is why it pays to shop and compare rates,\u201d said Mary Grace Roske, Head of Communications at CD Valet. \u201cLooking at the CD rates from more than 5,000 financial institutions, credit unions and community-focused institutions continue to offer the competitive 12-month CD options, underscoring the importance of comparison shopping before locking in a rate. <\/p>\n\n\n\n

\u201cThere\u2019s a growing trend of \u2018local\u2019 banks accepting deposits from people nationwide,\u201d noted Roske. \u201cThat gives savers a larger marketplace in which to shop for the best rates, and it can work whether they want to open their account online, by phone or by mail.\u201d<\/p>\n\n\n\n

CD Valet\u2019s highest nationally available CD rates currently include\u00a0Quorum Federal Credit Union<\/span><\/a>, offer 4.05% APY on an 11-month CD (minimum deposit $100),\u00a0Valley National Bank<\/a><\/span>\u00a0offering 4.00% APY on a 9-month CD (minimum deposit $500) and\u00a0EverBank<\/span><\/a>\u00a0with a 7-month CD available at 4.00% APY ($1,000 minimum deposit)<\/p>\n\n\n\n

The Federal Reserve\u2019s pause may help stabilize the rate environment in the near term, but CD yields can still vary widely by institution, geography, term, and deposit requirements. CD Valet\u2019s map is designed to make those differences easier to see, especially for consumers comparing local credit unions, regional banks, and online-accessible offers.<\/p>\n\n\n\n

Consumers can explore the map at CD Valet and filter by institution type and term length to compare current offers. Rates are based on publicly available data and updated as often as daily; restrictions, early withdrawal penalties, membership requirements, and other terms may apply. <\/p>\n\n\n\n

About CD Valet<\/strong><\/p>\n\n\n\n

CD Valet is a CD marketplace that features verified CD rates from federally insured banks and credit unions. With tens of thousands of CD offers tracked across the country, CD Valet gives savers a clear view of top rates and helps them explore high-yield CD options with reliable returns. For financial institutions looking to raise deposits and attract new customers, CD Valet is a reliable and cost-effective channel that helps boost the visibility of their brand and CD offerings to high-intent CD customers.\u00a0Visit\u202fwww.cdvalet.com<\/span><\/a>\u202ffor more information and check out CD Valet\u2019s\u00a0Best CD Rates by State Map<\/span><\/a>\u00a0to maximize earnings on savings.<\/p>\n","protected":false},"excerpt":{"rendered":"

CD Valet shows the best CD rates by state with a 12-month term. See the CDs with the highest rates for every state.<\/p>\n","protected":false},"author":3,"featured_media":5802,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_links_to":"","_links_to_target":""},"categories":[33],"tags":[],"class_list":["post-5771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rate-trends"],"acf":[],"yoast_head":"\nCD Valet Best Rates Map Shows Where Savers Can Find the Best 12-Month CD Rates by State - CD Valet<\/title>\n<meta name=\"description\" content=\"CD Valet shows the best CD rates by state with a 12-month term. See the CDs with the highest rates for every state.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cdvalet.com\/insights\/best-cd-rates-by-state-12-month\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CD Valet Best Rates Map Shows Where Savers Can Find the Best 12-Month CD Rates by State - CD Valet\" \/>\n<meta property=\"og:description\" content=\"CD Valet shows the best CD rates by state with a 12-month term. 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