bank rates

Top 12-Month CD Rates Drop, Others Hold

Most of the top CD rates are unchanged this week, with the exception of 12-month CDs, which dropped to 1.90% APY from 2.00% APY.

Here’s a rundown of the best, nationally available certificates of deposit based on our current rankings.

Most of the top CD rates are unchanged this week, with the exception of 12-month CDs, which dropped to 1.90% APY from 2.00% APY.

3-month CDs: 1.25% APY from Fortune Bank with a $1,000 minimum deposit.

6-month CDs: 1.60% APY from Country Bank with a $500 minimum deposit.

12-month: 1.90% APY from Franklin Synergy Bank and Doral Bank Direct, with each requiring a $1,000 minimum deposit; Palladian Bank, with a $10,000 minimum deposit.

24-month CDs: 2.30% APY from Atlantic Coast Bank with a $1,000 minimum deposit, or Hudson City Bank with a $5,000 minimum deposit. (If you live in New Jersey, New York or Connecticut, your minimum is $500.)

36-month CDs: 2.80% APY from Hudson City Bank with a $5,000 minimum deposit. Locals pay $500.

Click here to see how much you can earn with these rates using our certificate of deposit calculator.

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