The best CD rate for a 12-month CD term right now is 4.55% APY from Credit Human Federal Credit Union. We review nationwide banks and credit unions daily to help you find the best 1-year CD.

While Edward Jones CD rates go up to 4.30% APY, Ally pays 2.90% to 4.05% APY. While these are still competitive rates overall, you can find higher rates elsewhere. One thing Ally Bank does have ...