Best 12-Month CD Rates - June 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 Gundersen Credit UnionGundersen Credit Union1910 South Ave, La Crosse, WI 54601A+5.0 ★Texas Ratio: 0.77%Real return: +2.70%APY minus CPI (February 2026) offering Teenager (Age 13-17) - 12 Month Term at 5.50% APY, and GLASS CITYGLASS CITY1340 Arrowhead Dr, Maumee, OH 43537A+5.0 ★Texas Ratio: 3.10%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth CD at 5.00% APY, and OMNI Community Credit UnionOMNI Community Credit Union3141 Capital Ave SW, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 3.29%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special at 5.00% APY, and Best Financial Credit UnionBest Financial Credit Union1888 E Sherman Blvd, Muskegon, MI 49444 1822A+5.0 ★Texas Ratio: 3.41%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Super Kids at 5.00% APY. CD rates as of June 23, 2026 according to verified data from MonitorBankRates.
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: June 23, 2026
Compare the Best 12-Month CD Rates Nationwide
Deposit Certificiate
No additional details available.
Youth Special
Early Withdrawal Penalty: 90 days interest
No additional details available.
This account is available only for members under 18 years of age.
No additional details available.
Requires Active Checking
No additional details available.
Non-premier member APY: 4.25% | Dividend Rate: 4.17%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
Balance: Under $100,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Stated rate is 4.169%. APY is accurate as of June 1, 2026. Fees can reduce earnings on the account. Early withdrawal penalties may apply. Offers may be modified or ended without notice.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Branch $1,000 Minimum Deposit
New money is funds that are not currently held by Capital Credit Union in any share or deposit account. Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply. CD will mature 12 months after the date it is opened. After 12 months, CD balance will automatically roll into a regular 12-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.
No additional details available.
No additional details available.
payroll deposit only
Special. New money required. Funds not currently held by Capital Credit Union in any share or deposit account. Fees may reduce earnings. Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply. CD will mature 12 months after the date it is opened. After 12 months, CD balance will automatically roll into a regular 12-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.
$10,000 +
No additional details available.
Penalty for early withdrawal
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
The minimum deposit required to open is $2,500 and the maximum is $250,000 per account. Penalties may apply to early withdrawals.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Deposit Amount: $100,001 and up
No additional details available.
No additional details available.
No additional details available.
$5; You may be eligible for a 0.50% increase on the current Dividend Rate if you meet certain eligibility requirements. To be eligible, you must open or renew an existing 12 Month Share Certificate account in-person at one of our branches, through our Digital Banking platform, or through our mail-in renewal process. Any funds that you want to deposit in addition to the $5,000 of New Money may come from accounts you currently have with us and those additional funds will earn the stated APY. An early withdrawal penalty will apply if the account is closed prior to maturity. 'New Money' is defined as funds that are not on deposit in any MCU account at the time the account with the New Money requirement is opened.
Up to
No additional details available.
No additional details available.
Special rate.
No additional details available.
No additional details available.
Certificate rates remain fixed for the term of the certificate.
No additional details available.
($10K limit per CD)
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
2
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APY is effective as of 6/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Jumbo
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Basic MVP** Level Dividend Rate: 3.59%, Silver MVP** Level Dividend Rate: 3.74%, Gold MVP** Level Dividend Rate: 3.94%
No additional details available.
Annual Percentage Yield as of 05/13/2026. For a limited time. Penalty for early withdrawal. Member FDIC
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APY for Secure Checking Members: 4.25%
No additional details available.
No additional details available.
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
No additional details available.
No additional details available.
No rate bump available
No additional details available.
Rates stated are accurate as of today. Fees may reduce earnings. Maximum deposit amount is $500,000.
No additional details available.
$25,000- $99,999
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Special CD rate. Limited time offer.
No additional details available.
No additional details available.
No additional details available.
Customer must open account in person at 735 Sunnyside Drive, Milton, WI 53563. At maturity, the CD will renew at the standard rate in effect at that time.
No additional details available.
Lock in a fixed rate by opening a CD, with terms from 3-month to 5 years available.
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Quarterly
No additional details available.
No additional details available.
No additional details available.
($500 minimum deposit required)
Certificates $500 to $20,000
No additional details available.
Fixed rate. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
No additional details available.
No additional details available.
Promotional period: June 22 - June 30th
Earn 4.00% APY when you open a new CD with $10,000 or more in new money. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
No additional details available.
No additional details available.
No additional details available.
Dividend Paid Monthly on Last Day of Month
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest
Renewal Rate: 3.25 %, Renewal APY: 3.290 %
No additional details available.
Compounding Frequency: Monthly
No additional details available.
This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. Call for rates and APY on additional minimum balances.
No additional details available.
No additional details available.
Compounding Frequency: Monthly
No additional details available.
No additional details available.
No additional details available.
Penalty: 90 days; Frequency of Compounding: Daily
No additional details available.
No additional details available.
No additional details available.
APY* = Annual Percentage Yield. Rates effective as of 6.23.2026 and are subject to change without notice.
No additional details available.
Limited time CD yield.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Dividend Rate $10,000 - $49,999.99: 3.84%, Annual Percentage Yield $10,000 - $49,999.99: 3.91%, Dividend Rate $50,000 - $99,999.99: 3.84%, Annual Percentage Yield $50,000 - $99,999.99: 3.91%, Dividend Rate $100,000 and over: 3.84%, Annual Percentage Yield $100,000 and over: 3.91%
No additional details available.
Penalty: 3 month
IRA Certificate
No additional details available.
No additional details available.
No additional details available.
IRA Only
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Balance range: $1,000,000.00 +
No additional details available.
Open Online
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
No additional details available.
No additional details available.
also IRA
No additional details available.
No additional details available.
No additional details available.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Tracked Nationwide
About Our 12-Month CD Rate Database
MonitorBankRates tracks 3,856 12-month CD rates from 2,036 institutions across the United States. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Gundersen Credit Union offers a 12-month CD at 5.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers.
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 0.007 points over the past 7 days to 2.823% APY, down from 2.829% 7 days ago.
12-Month CD Rate Forecast — Next 12 Months
Where are 12-month CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CD Calculators
Enter any deposit amount to see exactly how much interest you earn at the end of your 12-month term at today’s top APY.
CD Ladder with 12 Months RungUse a 12-month CD as a core annual rung in your ladder. See how rolling 1-year maturities create a reliable income cycle while keeping a portion of savings liquid.
Early Withdrawal Penalty12-month CDs typically carry a 90–180 day interest penalty for early access. Calculate your actual net return if you need funds before maturity.
12-Month CD vs. High-Yield Savings12-month CD rates often edge above top savings APYs. Compare both side-by-side to see exactly how much more a 1-year commitment earns on your deposit.
How to Find the Best 12-Month CD Rates
What to compare when shopping for a 12-month CD
To find the best APYs on a 12-month CD, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 12-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
When a 12-Month CD Makes Sense
- You have a planned purchase or expense in ~12 months and want to earn while you wait
- You expect interest rates to fall and want to lock in today’s rate short-term
- You want to lock in a fixed rate for a full year without committing to a longer term
- You want FDIC/NCUA protection with a guaranteed fixed return
Consider an Alternative If…
- You may need funds before 3 months → High-yield savings
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing or debit access → Money market account
12-Month CD vs. Other Savings Options
| Feature | 12-Month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 12 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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?
How can I use a 12-month CD in a CD ladder?
Is a 12-month CD better than a high-yield savings account?
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.
