If you’re in search of the best 12-month CD rates available today, you should begin by comparing the rates from local financial institutions near you. Generally, community-oriented banks and credit unions are in a better position to offer more competitive interest rates on deposit accounts. 
| Featured Rate | |
|---|---|
CIT Bank
 |
1.26%
Date: Feb 16, 2012
2-Year CD Rate
|
| Highest Rates Recent Rate Changes | |
| Balboa Thrift and Loan Association 2 Year CD Account |
1.26%
Date: Feb 15, 2012
|
| Coronado First Bank 2 Year CD Account |
1.16%
Date: Feb 17, 2012
|
| Embarcadero Bank 2 Year CD Account |
1.16%
Date: Feb 15, 2012
|
| California Community Bank 2 Year CD Account |
1.16%
Date: Feb 9, 2012
|
| Geico Credit Union 2 Year CD Account |
1.15%
Date: Feb 13, 2012
|
| Seacoast Commerce Bank 2 Year CD Account |
1.00%
Date: Feb 8, 2012
|
| First Citizens 2 Year CD Account |
0.70% to
0.50% Date: Feb 20, 2012
|
| First Citizens 12 Month CD Account |
0.45% to
0.25% Date: Feb 20, 2012
|
| Manufacturers Bank 6 Month CD Account |
0.15% to
0.10% Date: Feb 20, 2012
|
| Capstone Credit Union 2 Year CD Account |
0.75% to
0.65% Date: Feb 9, 2012
|
| Capstone Credit Union 12 Month CD Account |
0.55% to
0.45% Date: Feb 9, 2012
|
| Capstone Credit Union 6 Month CD Account |
0.45% to
0.40% Date: Feb 9, 2012
|
