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New Top 1-Year CD Yield Is 1.31%

There’s a new leader among banks offering the best nationally available return on 12-month CDs on our CD Rates Leaderboard.

EverBank has leap-frogged into the lead with a yield of 1.31% APY.

Bear in mind that the Jacksonville-based bank with more than a dozen branches across Florida, and a prominent online operation, is known for making almost weekly changes in its rates.

This is the first time in a while that it has offered a term-leading rate. It requires a minimum deposit of $1,500.

Banks qualify for our rankings by imposing no restrictions on who can buy their certificates of deposit, either online or through the mail.

Compare this return with the best CD rates from scores of banks in our extensive database.

Here are the best nationally available 1-year CDs.

Bank Yield Minimum Deposit
EverBank 1.31% $1,500
Bank of Baroda 1.30% $1,000
Live Oak Bank 1.30% $2,500
E-Loan 1.30% $10,000
Popular Direct 1.30% $10,000
State Bank of India – Chicago 1.29% $2,500
State Bank of India – New York 1.29% $5,000
Pacific National Bank 1.27% $1,000
TAB Bank 1.27% $1,000
iGObanking 1.25% $1,000
Triumph Savings Bank 1.25% $1,000
BAC Florida Bank 1.25% $1,500
Synchrony Bank 1.25% $2,000
Sallie Mae Bank 1.25% $2,500
Colorado Federal Savings Bank 1.25% $5,000
CIT Bank 1.22% $1,000
BankDirect 1.22% $10,000
Barclays Bank 1.20% No minimum
GS Bank 1.20% $500
Amboy Direct 1.20% $10,000
First Internet Bank of Indiana 1.16% $1,000
VirtualBank 1.16% $10,000
Discover Bank 1.15% $2,500
California First National Bank 1.15% $5,000
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