12 Month CD
A Year of Strong Growth
If you’re ready to commit your savings for a little longer, a 12 Month Certificate of Deposit (CD) at 3.90% Annual Percentage Yield offers a reliable way to earn a fixed return over time. With a clearly defined term and a guaranteed rate, it’s a straightforward option for growing your savings with confidence.
Certificates of Deposit – CD Accounts
Certificates of deposit are a great way to earn interest on a lump sum over a specified period of time. CD accounts differ slightly from traditional savings accounts; they are based on specific, fixed rate terms and interest rates. With account types ranging from 6 months to 5 years, a CD provides a higher rate of interest than a traditional savings account.
| Account Type | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 6 Month | 3.73% | 3.85% |
| 12 Month | 3.77% | 3.90% |
| 18 Month | 3.82% | 3.95% |
| 2 Year | 3.87% | 4.00% |
| 3 Year | 3.35% | 3.45% |
| 4 Year | 3.35% | 3.45% |
| 5 Year | 3.35% | 3.45% |
Why Choose a 12 Month CD?
A 12 Month CD is a strong choice for savers who want stability and a higher earning opportunity than short‑term or traditional savings options.
- Earn a fixed rate for a full 12 months
- Greater earning potential with a one‑year commitment
- Predictable growth unaffected by market changes
- A disciplined way to set aside funds for future goals
Whether you’re planning ahead for a major expense or simply want a dependable savings strategy, a 12 Month CD helps you stay focused and on track.
How a 12 Month CD Works
Certificates of Deposit are designed to reward savers who commit funds for a set period of time.
Here’s what to expect:
- You deposit a lump sum for a 12-month term
- Your interest rate stays the same for the entire year
- Interest accrues over the life of the CD
- At maturity, you may withdraw, renew, or reinvest
Because CDs are not intended for everyday access to funds, early withdrawals may result in a penalty.
How to Open a 12 Month CD
Getting started is simple:
- Apply through our secure online account opening system
- Provide a valid government‑issued ID and funding method
- Your application will be reviewed and confirmed
- A banking associate will contact you if any follow‑up is needed
Our team is available to answer questions and provide personalized support throughout the process.
A Trusted Partner for Long‑Term Savings
At Quaint Oak Bank, we take a relationship‑based approach to banking. Our team works closely with you to understand your goals and help you choose savings options that align with your plans — now and in the future.
Whether this CD is part of a larger strategy or a single savings goal, you’ll receive guidance every step of the way.
Ready to Get Started?
Open a 12 Month CD today and give your savings a full year to grow steadily.
All Rates are Effective 08/13/2026
Have More Questions About Opening a CD? Contact Our Team!