Ally 12-Month High Yield CD
Best 12-month CD if you want no minimum and a rate guarantee.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- APY: 3.50%
- Monthly fee: $0
- Minimum deposit: $0
- Term: 12 months
FairPrice score: 81/100
Features
- No minimum deposit
- Loyalty reward on renewal
- 10-day best-rate guarantee
Pros
- No minimum
- 10-day rate lock guarantee
- Loyalty bump on renewal
Cons
- Not the absolute highest 12mo rate
Best for
- no minimum
- 1 year cd
Official source · Last verified 2026-10-05