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 331–345 results
- Aroostook Savings & LoanCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Interest is compounded continuously. A penalty may be imposed for early withdrawal. Rates subject to change prior to issuance; fixed after issuance. Automatic renewal at maturity.
Offer: Interest compounded continuously; early withdrawal penalty may apply. Rate fixed after issuance.
4.01% interest rate · Effective Oct 21, 2026
Rate checked
More details - Goldwater BankCERTIFICATES OF DEPOSITCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Certificates of Deposit are subject to early withdrawal penalties. Fees could reduce earnings on the account.
4.09% interest rate · Effective Oct 22, 2026
Rate checked
More details - Pioneer Federal Credit UnionTerm CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: All Pioneer Term Certificates qualify for a one-time rate bump if rates go up during the term of that certificate. Early withdrawal penalty applies.
Offer: Minimum balance of $500 to earn APY; early withdrawal penalty applies.
4.07% interest rate · Effective Oct 21, 2026
Rate checked
More details - Waukesha State BankCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Rates and terms apply to regular and jumbo CDs up to $1 million. Advance approval required over $1 million. Penalty for early withdrawal may apply. Fees could reduce earnings.
Offer: APY compounded monthly.
4.07% interest rate · Compounded monthly · Balance cap $1,000,000
Rate checked
More details - Heritage USA Federal Credit UnionTerm Share Accounts (CDs)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Membership required (minimum $5 share deposit). $500 minimum deposit, new money only (money not currently on deposit with Heritage USA FCU). Auto-renews unless instructed by depositor. Fixed interest rate. Penalty for early withdrawal. Compounded daily, paid quarterly.
Offer: $500 minimum deposit, new money only. Compounded daily, paid quarterly.
4.07% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties may apply. Automatic renewal at maturity unless indicated otherwise. Membership eligibility required (live, work, worship, or go to school in Allegheny or Washington County).
Rate checked
More details - Baltic State BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Minimum deposit of $500 to open. 2 forms of identification required. Additional deposits are not allowed during term. Early withdrawals may be subjected to penalties. Automatically renewed upon maturity with a 10-day grace period. Open at any office or online (online for existing customers only).
Offer: Early withdrawal penalty applies. Minimum balance to obtain APY is $500.00. Automatic renewal with 10-day grace period.
4.07% interest rate · Effective Oct 8, 2026
Rate checked
More details - The Pioneer Savings BankCertificate of DepositCD · 12 months · $500 min · 0.50%–4.15% by balance
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000intro rateRequirements
Product: Rates are subject to change without notice. Early withdrawal penalties may apply on certificates.
Promotional rate · 0.50% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 0.50% $2,500 and upYour amountCD Special is for New Money Only. New Money is defined as funds not currently held on deposit with this institution. 4.15% Rate checked
More details - Treadwell Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Share Certificates terms range from 6 to 60 months. 12-month term or longer features a rate bump option. Subject to early withdrawal penalties.
Effective Oct 16, 2026
Rate checked
More details - Pathway BankCD (Certificate of Deposit)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Interest compounded quarterly unless otherwise stated. Substantial Penalty for Early Withdrawal. Fees could reduce the earnings on the account. Rate and APY are fixed for the term of the CD.
Offer: Minimum deposit to open and earn APY is $1,000.00.
4.09% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - Embers Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Dividends are paid monthly directly into the certificate account. Minimum deposit of $1,000 required to open. Early withdrawal penalty may be up to half of the dividends that would be earned over the full term.
Offer: Dividends are paid monthly.
Rate checked
More details - La Capitol Federal Credit UnionThrifty Saver Share CertificateCD · 12 months · $1,500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000with conditionsRequirements
Product: Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.
Offer: APY 4.15% with $1,500 minimum opening and La Capitol checking account.
Qualified rate · Effective Oct 9, 2026
Rate checked
More details - FORUM Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Minimum $500 required to open. Early withdrawal penalties apply. Rates subject to change without notice.
Offer: Early withdrawal penalties apply.
4.06% interest rate · Effective Oct 1, 2026
Rate checked
More details - Parke BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply. Available in amounts of $500 or more. Interest can be paid monthly, quarterly, or at maturity with flexible terms and a guaranteed interest rate for the term of the certificate.
Offer: Early withdrawal penalties apply.
4.07% interest rate · Effective Oct 12, 2026
Rate checked
More details - Northern Colorado Credit UnionPeak CDCD · 12 months · $10,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
Effective Oct 15, 2026
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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