VirtualBank’s 12-month CD now yields a high rate of 5.55% APY. The 5.55% APY is currently the best yield for a one-year CD that’s available nationally. Their 6 month CD rate also increased by to 5.44% APY. Minimum balance required on their certificate of deposits is $10,000.

VirtualBank is a division of Lydian Private Bank which is FDIC insured. Bankrate’s review of the bank gives it a 3/5 star rating.