Discover 12-Month CD
Fine for a laddering strategy but the $2500 minimum stings.
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Price and terms
- APY: 4%
- Monthly fee: $0
- Minimum deposit: $2,500
- Term: 12 months
FairPrice score: 74/100
Features
- No fees
- Broad range of terms (3mo–10yr)
- Bank branch = none but great support
Pros
- Wide term ladder
- Good service
Cons
- $2500 minimum is steep
- Lower APY than top online CDs
Best for
- cd ladder
Official source · Last verified 2026-10-05