Best 1-year CD rates

Requirements

Product: $10,000 minimum opening account deposit and balance requirement. Minimum balance to earn interest is $0.01. Fixed interest rate. Interest compounded daily and credited monthly (optionally quarterly or at maturity for terms <12 months). External account validation required. Penalty imposed for early withdrawal. Fees may reduce earnings.

Offer: Fixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 270 days simple interest for terms >=12 months but <36 months.

Requirements

Product: Accrued interest is added to account; earns simple interest. Early withdrawal penalty applies: for 1-year CDs, 90 days' interest; for CDs with terms more than 1 year, 180 days' interest. 10-day grace period. Account maximum $1,000,000. Interest credited every 3 months.

Offer: Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty of 90 days' interest may apply.

Requirements

Product: Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.

Requirements

Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.

Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.

Requirements

Product: No monthly maintenance fees. No minimum balance required to earn the APY. Early withdrawal penalties may apply. Must fund account within 30 days of opening.

Offer: Quarterly Post or Interest Checks; interest checks will reduce Annual Percentage Yield (APY). The special rate applies to new money only. Funds currently on deposit with Paramount Bank may not be eligible for this special rate.

Requirements

Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.

Requirements

Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.

Requirements

Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.

Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.

Requirements

Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.

Offer: $500 minimum to open and earn stated APY.

Requirements

Product: Must be a United States citizen or Permanent Resident with a valid Social Security Number. Accounts are opened and managed online. Trust accounts are not offered.

2 ways to earn 4.35%

Product: Dividends compounded monthly, credited monthly. Average daily balance method. Early withdrawal penalties apply and may reduce earnings. Membership eligibility requirements apply.

From $50: Early Savers: Minimum $50 deposit to open. Must be age 23 or under to be eligible. Additional deposits of at least $25 can be made at any time, but are not required. Balance, including dividends, cannot exceed $50,000 and any excess will be automatically transferred to the Prime Savings account. At age 24, an Early Savers Certificate will automatically renew to a standard 12-month term at the rate in effect at renewal unless balance is less than $1,000, in which case it transfers to Prime Savings.

From $250: Add-On: Minimum $250 deposit to open; maximum $2,500 per month add on. Special certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless otherwise instructed. Additional deposits of at least $25 must be made by automated means but are not required.

Requirements

Product: CD accounts must be funded with a single, lump-sum minimum deposit of $1,000 within 10 business days of account opening or the account will automatically be closed. Interest is calculated and accrued daily based on daily balance. Fixed terms and rates; penalty may be incurred for early withdrawal.

Offer: CD rates are fixed and paid through the term assuming interest remains on deposit until maturity. Early withdrawal penalty may apply (90 days of simple interest based on the principal amount withdrawn).

Requirements

Product: Must open and fund a Pibank Savings account and link to the Pibank CD. Monthly interest earned is deposited into the linked Pibank Savings account.

Offer: Requires opening and funding a linked Pibank Savings account. Monthly interest is paid into the linked Pibank Savings account. Subject to early withdrawal penalties.

Requirements

Product: Available online only. Product and service availability may vary by location and are subject to area restrictions; customers living near any Flagstar Bank branch location may not be eligible. Not available for public units or Business CDs. Open at flagstar.com.

Offer: Accurate as of 10/25/2026. $500 minimum opening deposit required; maximum deposit is $10 million. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. Limited-time offer subject to change or cancellation at any time without notice.

Requirements

Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.