Just came across a nice 12 month rate from Synchrony Bank. 2.8% The best I've seen so far. https://www.synchronybank.com/banking/cd/?UISCode=0000000&utm_source=Pathway&utm_medium=Banner&utm_campaign=CD&utm_content=CB_AT_B_PA_CD_COM&sitecode=CB_AT_B_PA_CD_COM&dclid=CLiNsZG9tOACFVhHDAod7UkK0g Nice too is the account minimum of $2000 to open.