Top 50 CD Rates on 12-Month Certificates of Deposit 1/6/24

The 12-month CD rates listed here are significantly higher than the average 12-month rate of 2.82% in our database of rates as of 1/6/24. Right now the best CD rate on our 12-month list is at 6.00%, two credit unions are currently offering the top rate, City Credit Union Credit Human FCU. The third best rate is also from a credit union, All In Credit Union is offering a 12-month jumbo CD rate of 5.80%.

The 4th best 12-month rate is from MyeBanc, currently offering a 12-month jumbo CD rate of 5.77% APY. Bayer Heritage FCU has the 5th best rate at 5.76% for a 12-month jumbo CD. The 6th best rate is a three-way tie at 5.75% APY, All In Credit Union, One World Bank and Washita State Bank are all offering a 5.75% APY for a regular 12-month CD. You can view the top 50 rates below, do your own search of our database for the best CD rates on 12-month CDs.

  • City Credit Union - 6.00%, $1,000 min deposit

  • Credit Human FCU - 6.00%, $500 min deposit

  • All In Credit Union (Jumbo) - 5.80%, $100,000 min deposit

  • MyeBanc, a division of Bradesco Bank (Jumbo) - 5.77%, $100,000 min deposit

  • Bayer Heritage FCU (Jumbo Special) - 5.76%, $250,000 min deposit

  • All In Credit Union (Smart Start) - 5.75%, $25 min deposit

  • OWB One World Bank - 5.75%, $1,000 min deposit

  • Washita State Bank - 5.75%, $1,000 min deposit

  • Bayer Heritage FCU (Jumbo) - 5.71%, $100,000 min deposit

  • Charles Schwab - 5.70%, $500 min deposit

  • Total Direct Bank - 5.65%, $25,000 min deposit

  • Forbright - 5.65%, $1,000 min deposit

  • Inova FCU - 5.65%, $200 min deposit

  • Community Bank and Trust - Alabama - 5.65%, $500 min deposit

  • Eastern Bank - 5.63%, $2,500 min deposit

  • Huntington FSB - 5.61%, $500 min deposit

  • Bask Bank - 5.60%, $1,000 min deposit

  • Bread Financial - 5.60%, $1,500 min deposit

  • Merrick Bank - 5.60%, $25,000 min deposit

  • NexBank (Jumbo Promotional Online) - 5.60%, $100,000 min deposit

  • NexBank (Promotional Online) - 5.60%, $25,000 min deposit

  • First Liberty Bank - 5.60%, $2,500 min deposit

  • Peoples Bank of Seneca - 5.58%, $1,000 min deposit

  • The Upstate National Bank - 5.58%, $1,000 min deposit

  • Modern Bank - 5.55%, $10,000 min deposit

  • Vanguard - 5.55%, $1,000 min deposit

  • State Bank of Texas - 5.55%, $50,000 min deposit

  • Western Alliance Bank (via Raisin) - 5.51%, $1 min deposit

  • State Bank of India US - 5.51%, $1,000 min deposit

  • BMO Alto - 5.50%, $0 min deposit

  • LimeLight Bank - 5.50%, $1,000 min deposit

  • LendingClub - 5.50%, $2,500 min deposit

  • Rising Bank - 5.50%, $1,000 min deposit

  • CFG Bank - 5.50%, $500 min deposit

  • TD Bank - 5.50%, $250 min deposit

  • Bankwell Bank (Special) - 5.50%, $1,000 min deposit

  • MyeBanc, a division of Bradesco Bank - 5.50%, $5,000 min deposit

  • BluPeak Credit Union (Promo Special) - 5.50%, $1,000 min deposit

  • CommunityWide - 5.50%, $1,000 min deposit

  • Old Dominion National Bank (Special) - 5.50%, $500 min deposit

  • Financial Federal Bank (Special) - 5.50%, $1,000 min deposit

  • Aroostook County FS&L Association (Special) - 5.50%, $500 min deposit

  • CIBM Bank (Special) - 5.50%, $25,000 min deposit

  • Citizens Bank New Haven, MO (Special) - 5.50%, $1,000 min deposit

  • Columbia Bank - 5.50%, $500 min deposit

  • Georgia Primary Bank (Special) - 5.50%, $1,000 min deposit

  • COREBANK (Special) - 5.50%, $25,000 min deposit

  • First Bank of Central Ohio - 5.50%, $500 min deposit

    • You can also search for the highest CD rates for CD terms, ranging from 3-months to 60-months.

     
    Author: Brian McKay
    January 6th, 2024