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Best 12-month CD rates

Insured-first results

Options worth comparing

7 demo cards · production pattern 24 of 118
Savings accountSample yield by timeSample rates for SoFi Bank: 4.50 percent, 4.50 percent, 4.50 percent, 4.50 percent, 4.50 percent.
SoFi Bank

High-yield savings · No fixed term

4.50%APY

About $1,350 over 12 months if the rate stays unchanged on your $30,000

Start with $0

*Requires an eligible direct deposit to earn the shown APY

Open directly with the bank

Withdraw anytime

Why this is safe

Your $30,000 is within the standard $250,000 FDIC limit at this bank, assuming you hold no other deposits there in the same ownership category.

SoFi Bank is a nationally chartered bank supervised by the OCC.

The rate is variable, but FDIC protection does not disappear when the rate changes.

illustrative rate · checked Jul 20, 2026 · 9:08am ET · SoFi savings rate page

Savings accountSample yield by time(4)Sample rates for Marcus by Goldman Sachs: 4.00 percent, 4.00 percent, 4.00 percent, 4.00 percent, 4.00 percent.
Marcus by Goldman Sachs

High-yield savings · No fixed term

4.00%APY

About $1,200 over 12 months if the rate stays unchanged on your $30,000

Start with $0

Open directly with the bank

Withdraw anytime

Why this is safe

Your $30,000 is within the standard $250,000 FDIC limit at this bank, assuming you hold no other deposits there in the same ownership category.

Marcus is a savings brand of Goldman Sachs Bank USA, an FDIC-insured bank.

The APY can change, but covered deposits remain insured within the limit.

illustrative rate · checked Jul 20, 2026 · 8:46am ET · Marcus savings rate page

No-penalty CDSample yield by time(2)Sample rates for Ally Bank: 3.85 percent, 4.00 percent, 3.90 percent, 3.75 percent, 3.60 percent.
Ally Bank

11-month no-penalty CD · 11 months

4.00%APY

About $1,098 through its 11 months maturity on your $30,000

Start with $0

Open directly with the bank

Why this is safe

Your $30,000 is within the standard $250,000 FDIC limit at this bank, assuming you hold no other deposits there in the same ownership category.

Ally Bank is supervised by federal bank regulators and has a public FDIC certificate.

No-penalty describes access to this CD; it does not change the deposit insurance protection.

illustrative rate · checked Jul 20, 2026 · 9:04am ET · Ally Bank CD rate page

CDSample yield by time(1)Sample rates for Bread Savings: 4.15 percent, 4.55 percent, 4.35 percent, 4.20 percent, 4.00 percent.
Bread Savings

12-month CD · 12 months

4.55%APY

About $1,365 through its 12 months maturity on your $30,000

Start with $1,500

Open directly with the bank

· 180 days of interest

Why this is safe

Your $30,000 is within the standard $250,000 FDIC limit at this bank, assuming you hold no other deposits there in the same ownership category.

Bread Savings deposits are held by Comenity Capital Bank, Member FDIC, certificate 57570.

If the bank fails, the FDIC normally transfers covered deposits or repays them directly.

illustrative rate · checked Jul 20, 2026 · 9:15am ET · Bread Savings rate page

CDSample yield by timeSample rates for Newtek Bank: 4.05 percent, 4.30 percent, 4.15 percent, 4.00 percent, 3.85 percent.
Newtek Bank

12-month CD · 12 months

4.30%APY

About $1,290 through its 12 months maturity on your $30,000

Start with $2,500

Open directly with the bank

· 90 days of interest

Why this is safe

Your $30,000 is within the standard $250,000 FDIC limit at this bank, assuming you hold no other deposits there in the same ownership category.

Newtek Bank is a nationally chartered bank supervised by the OCC and covered by the FDIC.

If the bank fails, covered deposits remain protected within the insurance limit.

illustrative rate · checked Jul 20, 2026 · 9:12am ET · Newtek Bank rate page

TreasurySample yield by time(3)Sample rates for U.S. Treasury: 3.62 percent, 3.70 percent, 3.78 percent, 3.84 percent, 3.90 percent.
U.S. TreasuryU.S.-backed

· 52 weeks

3.70%annualized yield

About $1,110 through its 52 weeks maturity on your $30,000

Start with $100

Hold to maturity or sell through a brokerage at the market price

Why this is safe

Treasury bills are direct obligations of the U.S. government rather than bank deposits.

They are not FDIC-insured because repayment is backed by the U.S. government itself.

If you sell before maturity, the market price can be higher or lower than what you paid.

illustrative rate · checked Jul 20, 2026 · 8:58am ET · Treasury auction result

TreasurySample yield by timeSample rates for U.S. Treasury: 3.62 percent, 3.70 percent, 3.84 percent, 3.90 percent, 3.96 percent.
U.S. TreasuryU.S.-backed

· 2 years

3.84%annualized yield

About $2,348 through its 2 years maturity on your $30,000

Start with $100

Hold to maturity or sell through a brokerage at the market price

Why this is safe

Treasury notes are direct obligations of the U.S. government rather than bank deposits.

They are not FDIC-insured because repayment is backed by the U.S. government itself.

If you sell before maturity, the market price can be higher or lower than what you paid.

illustrative rate · checked Jul 20, 2026 · 8:55am ET · Treasury marketable securities page

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