Best Local 12-Month CD Rates from 1.30% to 1.91% APY

Best Local 12-Month CD Rates from 1.30% to 1.91% APY

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The best local 12-Month CD rates run from 1.30% to 1.80% APY. See what's available in your area.

The best local 12-Month CD rates run from 1.30% to 1.91% APY this week. With a little bit of research you can get a rate that is 50 to 100 basis points higher than what many banks are offering. Examples of some of the highest local rates on BestCashCow are:

  • Farmers & Merchants Bank is offering a 1.91% APY 12-Month CD with a minimum balance of $100,000. The rate drops to 1.71% APY with a $1,000 minimim balance.  They only offer local accounts.
  • People's Bank And Trust Company Of Pickett County is offering a 1.90% APY 12-Month CD with a minimum balance of $25,000. The rate drops to 1.80% APY with a minimum balance of $500.
  • Brush Country Bank offering a 1.75% APY 12-Month CD with a minimum balance of $100,000. They are presently only opening accounts in Texas although they have opened accounts nationally in the past.

You may be asking what's the point of these rates if you don't live in the local area served by the bank and can't open a CD? The point is that local banks in you area are probably also offering some great CD deals. Often, spending a few minutes to shop around can yield you an extra half a percent of yield. On BestCashCow we have competitive bank rates for every zip code in the United States. In just 30 seconds you can check out the best local CD rates and see if a bank in your area is offering a competitive deal. 

Sol Nasisi
Sol Nasisi: Sol Nasisi is the co-founder and a past president of BestCashCow, an online resource for comprehensive bank rate information. In this capacity, he closely followed rate trends for all savings-related and loan products and the impact of rate fluctuations on the economy. He specifically focused on how rates impact consumers' ability to borrow and save. He also has authored a wee

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Today's Highest Online CD Rates

Bank Product Term Interest Rate (APY)
Quontic Bank 1-Year 2.25% APY with $1,000 minimum
Navy Federal Credit Union 1-Year 2.20% APY with $100,000 minimum
BAC Florida 1-Year 2.15% APY with $100,000 minimum
Connexus Credit Union 3-Year 2.50% APY with $5,000 minimum
Navy Federal Credit Union 3-Year 2.35% APY with $100,000 minimum
Bank5 Connect 3-Year 2.30% APY with $500 minimum
Dollar Savings Direct, a division of Emigrant Bank 5-Year 2.80% APY with $1,000 minimum
CFG Bank 5-Year 2.65% APY with $500 minimum
Connexus Credit Union 5-Year 2.60% APY with $5,000 minimum

See More Online CD Rates →

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