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.
Chart source: FDIC National Rates and Rate Caps. Cadence: weekly. CalcFi snapshot refreshed hourly. View the raw series at www.fdic.gov/resources/bankers/national-rates/.
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.
This series is published by FDIC National Rates and Rate Caps and refreshed on a weekly cadence. CalcFi mirrors the underlying observation stream hourly so the chart, current value, and historical statistics above reflect the most recent figure released by the primary source. The 10-year window shown is bounded only by data availability — for indicators with longer histories, the source link provides the full archive going back to series inception.
Why this number matters in everyday personal finance: most household money decisions — taking out a loan, opening a savings account, refinancing a mortgage, deciding when to lock a rate, choosing between fixed and variable products, sizing an emergency fund — depend on the prevailing level of one or more macro indicators. 1yr CD is one of the inputs that shifts the math. A small move at the top of the rate stack (Fed funds, Treasury yields, CPI prints) compounds into materially different monthly payments and lifetime interest costs at the household level. The chart above shows the trend; the calculators linked below convert the current reading into a personal dollar figure for your specific situation.
Common misinterpretations to avoid: the latest single observation is rarely the "forecast" — it is the most recent published value. Series with monthly or quarterly cadence may lag the current economic environment by 4 to 8 weeks because of measurement and revision lag. Index-level series (CPI, PCE) are reported as levels; the inflation rate everyone talks about is the year-over-year percent change of that level. Yield curves invert and steepen on relative movement between maturities — looking at any single yield in isolation tells you less than comparing two. And short-term volatility around a central bank meeting or major data release is normal and not a regime change on its own.
Data licensing: CalcFi publishes the mirrored series under CC-BY-4.0 — free to reuse with attribution. Distributions exist on Kaggle, Datahub, Figshare, Zenodo, OSF, and Harvard Dataverse; see /open-data for permanent DOIs.
Permanent DOI for the 2026-06-06 snapshot of this series:
https://doi.org/10.5281/zenodo.20568320Archived in the CalcFi Zenodo community under CC-BY 4.0.
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.
1-Year CD National Average Rate updates on a weekly cadence from FDIC National Rates and Rate Caps. CalcFi refreshes the cached snapshot hourly via an automated pipeline so the chart reflects the most recent published observation.
The primary publisher is FDIC National Rates and Rate Caps (https://www.fdic.gov/resources/bankers/national-rates/). CalcFi mirrors the series — no transformation beyond unit normalization — and cites the original observation date with every value.
Yes. Click "Download CSV" to grab the 10-year window, or hit the JSON API at /api/rates/cd-12mo-national-rate. The full dataset is also mirrored on Kaggle (kaggle.com/datasets/jeresalmisto/calcfi-cd-12mo-national-rate) and Datahub (datahub.io/calcfi/calcfi-cd-12mo-national-rate) under a CC-BY-4.0 license.
1yr CD feeds into borrowing costs, savings yields, and investment expectations. When the underlying rate or index moves, monthly payments, APYs, and discounted-cash-flow valuations shift. Use the linked calculators below to plug the current value into your own numbers.