12 Month Certificate of Deposit Rates

Sun, 12 Apr 2026 10:39:51 +0000

**12 Month Certificate of Deposit Rates: What US Savers Need to Know in 2025** Why are more Americans turning their attention to 12 month Certificate of Deposit Rates this fall? With rising concerns over inflation, shifting interest rates, and growing demand for predictable returns, financial caution is driving curiosity about how banks reward savings with long-term CDs. For those seeking steady growth safe from market swings, understanding current deposit rates offers clarity and control over personal finance. Understanding how 12 Month Certificate of Deposit Rates functions reveals a straightforward, trustworthy tool for disciplined savings. A 12-month CD locks in interest for exactly one year, often offering higher returns than regular checking or savings accounts—especially during periods of rising rates. Banks set these rates competitively, influenced by federal benchmarks and broader economic conditions, giving savers clear, transparent earning opportunities without hidden terms. ### Why 12 Month CD Rates Are Rising in Demand