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Best 12-month CD rates in United States

Best 12-month rate per provider for a $10,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

3-month 6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
Barclays (US)Online CD	4.50%≈ $450 in 12 months	12 months	Not stated	Board rate No minimum opening balance or deposit required	Go to bank
Marcus by Goldman SachsHigh-Yield CD	4.40%≈ $440 in 12 months	12 months	$500 +	Board rate $500 minimum to open and earn the stated APY; Early withdrawal penalty applies	Go to bank
Synchrony BankCD	4.20%≈ $420 in 12 months	12 months	Not stated	Board rate No minimum deposit	Go to bank
Navy Federal Credit UnionShare Certificate (short-term)	4.05%≈ $405 in 12 months	12 months	$1,000 +	Board rate NCUA-insured credit union; membership required	Go to bank
Capital One360 CD	4.00%≈ $400 in 12 months	12 months	Not stated	Board rate No minimum balance to open or maintain; Early withdrawal penalties apply	Go to bank
American Express National BankCD	3.65%≈ $365 in 12 months	12 months	Not stated	Board rate No minimum balance required	Go to bank

Different amount, priority tiers or fresh-funds filter? Open the full comparison.

Deposit protection: FDIC

Limit$250,000

FDIC deposit insurance covers $250,000 per depositor, per FDIC-insured bank, for each account ownership category. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.