One Year Certificate of Deposit Rates

One year certificate of deposit rates are averaging 1.08 percent today but you can find one year CD rates as high as 2.00 percent.

UFB Direct tops our list of 12 month CD rates in Atlanta, GA. The bank’s current rate on a 12 month certificate of deposit is at 1.98 percent and has an annual percentage yield of 2.00 percent. The minimum balance to receive this rate and yield is $8,000.

Ally Bank and Discover Bank are next on the list, both banks have the same APY of 1.90 percent for a 12 month certificate of deposit. Discover Bank’s minimum opening CD account deposit is $2,500 and Ally Bank’s minimum opening deposit is $1.00 (yes, one dollar).

Next on the CD rate table is AIG Bank with a current CD rate of  1.83 percent with an APY of 1.85 percent. The minimum opening deposit on AIG’s 12 month certificate of deposit is $2,500.

GiantBank.com is offering a certificate of deposit rate of 1.79 percent with an APY of 1.81 percent. The minimum opening account deposit is $2,500. Sixth on the list of best 12 month CD rates is Nationwide Bank - their current APY is 1.80 percent for account balances between $500 and $99,999. The APY is even higher for balances of $100,000 and above currently with an APY of 1.85 percent.

Seventh on the list of the top ten best 12 month CD rates is E-loan. Their current APY for a one year CD is 1.75 percent with the minimum opening deposit is $10,000. Eighth on the list is EverBank with their current APY at 1.65 percent and a minimum deposit of $1,500.

Ninth on the list is ING Direct whose current APY is also 1.75 percent but the minimum opening deposit is only $1.00. The last bank on the list is Bank of Internet with their current APY at 1.65 percent and a minimum opening deposit of $1,000.

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