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 196–210 results
- Y-12 Federal Credit UnionChoose Your Term Special Offer Share 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: Limited time offer. Minimum balance to receive advertised rate is $500. Automatically renews at maturity unless changes are made during 7-day grace period. Penalty for early withdrawal.
Offer: 12 Months term.
Promotional rate · 4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - COMTRUST Federal Credit UnionCertificates of Deposit (CDs)CD · 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: Certificate requires $1,000 minimum to open and will automatically renew at the end of the term. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. Federally insured up to $250,000 by NCUA. Opening a CD online is available to existing members; new members can open an account online and add a certificate once membership is established.
Offer: Annual Percentage Yield is based on monthly compounding. Penalty for early withdrawal. Automatically renews at the end of the term.
4.17% interest rate
Rate checked
More details - Enrichment 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: Early withdrawal penalty applies: 30 days dividends for terms less than 1 year, 90 days dividends for terms 1 to 5 years. Average daily balance calculation method. Dividends compound based on rate schedule. 7-day grace period at maturity. Must maintain minimum share ($5.00) in Regular Savings.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Leader BankCertificates 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
Offer: Exclusive High-Yield CD Offer in CT; open online from anywhere in CT
4.17% interest rate · Balance cap $250,000 · Effective Oct 15, 2026
Rate checked
More details - Leader BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,0004.17% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
Rate checked
More details - South Bend Firefighters Credit UnionCertificates of DepositCD · 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: A minimum of $1000 is required to open a share certificate. 3 to 48 month terms. Dividends can be compounded monthly and are available monthly or at maturity depending on the member's desire. Share Certificate Rates are subject to change. Share Certificates subject to early withdrawal penalty: forfeit 180 days dividend.
Offer: Early Withdrawal Penalty: forfeit 180 days dividend. Rates subject to change.
4.17% interest rate · Compounded monthly · Effective Jan 29, 2026
Rate checked
More details - Energy Credit UnionCertificate of DepositCD · 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: Must be a member of Energy Credit Union with a Share (Savings) Account to open online via Energy@Home. Interest compounded and paid monthly. Substantial penalty for early withdrawal.
Offer: Interest is compounded and paid monthly. Substantial penalty for early withdrawal.
4.17% interest rate · Effective Oct 12, 2026
Rate checked
More details - First City BankFirst City Certificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Effective Jul 9, 2026
Rate checked
More details - Park Side 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: Dividends accrue daily and are paid monthly, based on dividends declared monthly by the Board of Directors. Early withdrawal penalty: Certificate term 12 months or less – 90-day interest penalty. Certificate term over 1 year – 180-day interest penalty.
4.17% interest rate
Rate checked
More details - Baptist Health South Florida FCUPromotional Share CertificatesCD · 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: Limited time offer valid starting August 2026. $500.00 minimum opening deposit. Advertised APYs include a 0.25% rate increase for new money, requiring opening with at least $10,000 from another financial institution. At maturity, certificate will rollover to the same term at current standard rate unless otherwise directed. Early withdrawal penalty applies and may reduce earnings. Dividends compounded and credited monthly and at maturity. Baptist Health South Florida Federal Credit Union membership required.
Offer: Advertised APY includes a 0.25% rate increase for \"new money.\" To receive this APY, you must open the certificate with at least $10,000 from another financial institution.
Promotional rate
Rate checked
More details - Exchange Bank12 Month CD SpecialCD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
Offer: Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
Rate checked
More details - First National Bank of JohnsonCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Annual Percentage Yield (APY) calculated using Daily Balance. A penalty may be imposed for early withdrawal.
4.21% interest rate
Rate checked
More details - Union Bank & TrustCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Current rates apply to new CDs and renewals at maturity only. APY is based on quarterly compounding. Early withdrawal penalty may reduce earnings.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - Class Act Federal Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Offers include terms from 91 days to 48 months and a 60-month Bump-Up Share Certificate allowing a one-time rate bump-up if rates improve. Rate effective 2026-10-15 and subject to change at any time.
Promotional rate · 4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - SalemVA Credit UnionShare CertificateCD · 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: Terms range from 6 months to 5 years. Low $1,000 minimum. There could be a substantial penalty for early withdrawal. Fees could reduce the earnings on the account.
4.17% interest rate · Effective Oct 15, 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
5,317 CDs at 4,380 banks and credit unions · checked Oct 16–23
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.41%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank