Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 166–180 results
- City First BankCertificates of Deposit (CD) (Retail/Consumer Only)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.
4.16% interest rate · Effective Oct 16, 2026
Rate checked
More details - PrimeWay Federal Credit UnionWealthBuilder CertificateCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Additional deposits allowed. Early withdrawal penalty of 120 days interest. At maturity, certificates with balances of $1,000 or more will renew as a standard 12-month certificate; balances under $1,000 renew as WealthBuilder certificates. Cannot be pledged as security for a loan.
Offer: Effective date 10/05/2026
4.17% interest rate
Rate checked
More details - Ocean Financial Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Requires $5 minimum deposit in Share Account prior to opening a Certificate. Early withdrawal penalty may apply.
4.17% interest rate · Effective Oct 13, 2026
Rate checked
More details - Leatherstocking Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Must be or become a member to establish any of the above accounts. Minimum of $500 required for all Certificates. Penalty for early maturity of CD is 3 months interest.
4.16% interest rate · Effective Oct 16, 2026
Rate checked
More details - Canandaigua National BankCNSaver Online CDCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Must be opened online.
Offer: Must be opened online. Auto renewal term: 6-month CNSaver Online CD.
Effective Oct 14, 2026
Rate checked
More details - Hatboro Federal SavingsCertificate of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Fixed rate CDs with terms from 91 days to 5 years. Minimum investment of $1,000. Early withdrawal penalties apply.
Offer: Interest compounded quarterly. Early withdrawal penalty is 90 days interest.
4.18% interest rate · Compounded quarterly · Effective Oct 16, 2026
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More details - First Commonwealth Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.
4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - Sun Federal Credit UnionRegular CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Fixed rates compounded monthly. Funds can be withdrawn for a down payment on a SFCU loan without penalty. Penalty may be imposed for early withdrawal.
4.17% interest rate · Compounded monthly · Effective Oct 16, 2026
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More details - CU SoCal12-Month Promotional CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: New funds only from outside CU SoCal. Must be a CU SoCal Member. New Member maximum online opening deposit is up to $150,000. Deposits made through electronic transfers (ACH) will not be available for withdrawal for 60 days from the date of deposit. Early withdrawals may incur a 180-day dividend penalty. Automatically renews into a 12-month certificate at the prevailing rate.
Offer: Promotional APY and rate are available for a limited time; new funds only. Fixed rate 4.17% dividend rate. Minimum deposit to open is $500; no maximum deposit.
Promotional rate · 4.17% interest rate
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
Offer: Rewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member. For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $500.
4.17% interest rate · Effective Oct 6, 2026
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More details - Atomic Credit UnionCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.
4.16% interest rate
Rate checked
More details - Achieve CUShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Dividends compound monthly and are computed on daily balance. Fixed rate of maturity. Up to three-month dividend penalty for early withdrawal prior to maturity. Offers subject to Achieve CU membership eligibility.
Offer: Dividends compound monthly.
4.17% interest rate · Effective Oct 1, 2026
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More details - Greater Community CUTerm Share CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Subject to penalty for early withdrawal. APY based on interest paid monthly and interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
4.17% interest rate · Effective Oct 13, 2026
Rate checked
More details - Lindell BankSpecial Certificates of DepositCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Offer: Quarterly compounding
4.18% interest rate · Effective Oct 9, 2026
Rate checked
More details - Conservation Employees Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Quarterly compounding. Subject to a 90-day early withdrawal penalty.
4.18% interest rate · Effective Oct 13, 2026
Rate checked
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay nationwide
5,320 CDs at 4,386 banks and credit unions · checked Oct 15–22
- Typical
- 3.30%
- Top 10% from
- 4.05%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.40%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank