All values come directly from FDIC National Rates and Rate Caps. We do not modify, smooth, or interpolate published values.
The FDIC National Rate Cap for 12-month certificates of deposit — weighted average APY. A popular mid-duration savings product often used in CD ladders.
Weekly — we refresh daily; upstream source publishes once per week (check Next Update below).
We gate dateModified updates to actual value changes (threshold: 0.01% absolute or 0.5% relative) to prevent freshness spoofing. If the upstream value hasn't moved, we don't claim we updated the page.
Full historical series is available as CSV with primary-source attribution:
Licensed CC-BY-4.0. When citing, include both CalcFi and the primary source.
No corrections issued on this series.
Spot an error? Email corrections@calcfi.app. Confirmed errors are fixed within 48 hours and logged here with date and nature of the change.
For journalism, research, or educational use, cite both the primary source and CalcFi's canonical URL. Example (APA):
CalcFi. (2026). 1-Year CD National Average Rate. Retrieved from https://calcfi.app/data/deposit-rates/cd-12mo-national-rate/revisions. Source: FDIC National Rates and Rate Caps.
Full APA / MLA / BibTeX citations are on the series page.
See CalcFi Editorial Standards for our full methodology, data sources, and correction policy.