12-month CD rate
The FDIC national rate on 12-month certificates of deposit under $100,000.
What moves it
Expected short-term rates and bank demand for deposits.
How it affects you
A CD locks a rate for the term. Early withdrawal can cost interest.
Open the High-yield savings calculator
Source: FDIC National Rates via FRED. Figures on the rates page are loaded live. This guide does not predict the next move.