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Best 1-year CD rates April 2021 Bankrate 21 hrs ago © MoMo Productions/Getty Images Mother working on laptop with daughter nearby Certificates of deposits (CDs) are safe vehicles for investors hoping to avoid taking on too much risk. If you keep your funds locked up in the bank for an entire term (such as three months or one year), you can expect to end up with your initial deposit plus interest. Popular Searches A 12-month CD won t pay the highest CD rates in the market. But right now, there isn t much of a difference between the annual percentage yields (APYs) on many one-year CDs and five-year CDs. The benefit to a short-term CD, such as a one-year CD is when your account comes due, you ll have an opportunity to see if a higher-yielding option is available.

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