Best 12-Month CD Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top 12-month CD rates currently available include CO-OP Credit UnionCO-OP Credit UnionWIA+5.0 ★Texas Ratio: 3.80% offering Youth Saver Certificate - 12-month at 6.00% APY, and Gundersen Credit UnionGundersen Credit UnionWIA+5.0 ★Texas Ratio: 0.79% offering Teenager (Age 13-17) - 12 Month Term Certificates at 5.50% APY, and Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KYKYA+5.0 ★Texas Ratio: 2.66% offering Grow with Me 12-Month Certificate at 5.05% APY, and P&S Credit UnionP&S Credit UnionUTA+5.0 ★Texas Ratio: 0.13% offering 12 Month Share / IRA Certificate of Deposit-STUDENT Accounts at 5.00% APY.
A 1-year CD is often considered the sweet spot for savers. It offers a higher yield than a standard savings account while keeping your money committed for just one year — ideal for building a CD ladder or parking funds you won’t need in the near term. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose institutions with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 12-Month CD Rates Last Updated and Verified: March 20, 2026
12-Month CD Rate Trend
Daily national average APY for 12-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
National 12-month CD rates fell 0.463 points this week to 2.802% APY, down from 3.265% last week.
Compare the Best 12-Month CD Rates Nationwide
Limit one Youth Saver Certificate per member under the age of 18. Maximum deposit of $3,000. Once the member turns 18, the certificate will automatically renew into a 12-month share certificate at the current rate on the date of maturity.
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This account is available only for members under 18 years of age. Accounts may be opened between October 1 and October 31 each year.
Automatic Renewal
Flex Index CD Annual Percentage Yield (APY) is accurate as of 01/28/2026
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Under $100,000
Monthly Crediting
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Minimum $500 Deposit to start
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Jumbo Certificates require a $100,000.00 minimum deposit.
Dividend Paid Monthly on Last Day of Month
EARLY WITHDRAWAL PENALTIES: 181 Days Interest
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$10,000 - $49,999.99
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Balance $1,000
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Share certificate rates are for renewals only (i.e. no new certificates effective 03/18/20).
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Over $50,000
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Bonus Rate
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$100,000+
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Contact your local branch for more information. APY is subject to change. A penalty may be imposed for early withdrawal.
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Entire Balance
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
CD Calculators
12-Month CD FAQs
What is a 12-Month Certificate of Deposit (CD)?
Are 12-month CD rates higher than regular savings accounts?
Is my money safe in a 12-month CD?
What happens if I withdraw money from a 12-month CD early?
What is APY and how does it differ from the interest rate?
Can I add money to a 12-month CD after opening it?
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 12-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 1-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
