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 376–390 results
- Radiant Credit UnionAdjustable Rate CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.14%APY$414 over 1 year on $10,000Requirements
Product: Adjustable-Rate Certificate Annual Percentage Yield (APY) changes bi-annually on January 1st and July 1st. Compounded daily. Funds insured up to $250,000 by NCUA.
Offer: APY is based on $10,000. APY changes bi-annually on January 1st and July 1st and is adjusted to the 6-month Treasury Bill Rate plus 0.05% APY. Compounded daily.
4.06% interest rate · Compounded daily
Rate checked
More details - Gratiot Community Credit UnionTimed CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,0004.05% interest rate · Effective Oct 7, 2026
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More details - AllSouth Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min · 4.13%–4.23% by balance
Credit union · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,000Requirements
Product: Fixed-Term Savings. Higher Dividends. Earn dividends based on your certificate balance and rate, with fixed terms from 3 to 60 months. Dividends will be compounded monthly and credited monthly. Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account. $1,000 minimum balance to open. 7-day grace period after maturity. Open 3, 6, 12-month terms online or open longer term certificates at one of our locations.
Offer: Dividends compounded monthly and credited monthly. Subject to early withdrawal penalty.
4.05% interest rate · Compounded monthly · Effective Oct 20, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 4.13% $10,000 and upYour amount 4.13% $25,000 and up 4.13% $50,000 and up 4.18% $75,000 and up 4.18% $100,000 and up 4.23% Rate checked
More details - National Cooperative Bank12 Month Impact CDCD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,000intro rateRequirements
Product: Can only be opened online; cannot be opened at an NCB branch.
Offer: Requires a minimum daily balance of $2,500.00 to obtain the disclosed APY. Fixed rate until first maturity. Early withdrawal penalty equals 6 months of interest.
Promotional rate · 4.05% interest rate
Rate checked
More details - Complex Community Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 4.13%–4.24% by balance
Credit union · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,000Requirements
Product: Minimum deposit $500, Jumbo $90,000. A 90 day dividends penalty will be imposed for early principal withdrawal. Rate subject to change without notice.
Offer: Members Advantage. A 90 day dividends penalty will be imposed for early principal withdrawal.
4.05% interest rate · Effective Jan 1, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.13% $90,000 and upJumbo. 4.24% Rate checked
More details - Optus BankCertificate of DepositCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,000with conditionsRequirements
Product: Offered to qualifying new relationship clients only. Minimum deposit of $5,000 required to open and maintain the advertised rate. If the account balance falls below $5,000, the account reverts to the then-current standard rate. Penalty for early withdrawal. Fixed rate for the term of the CD.
Offer: Offered to qualifying new relationship clients only. Minimum deposit of $5,000 required to open and maintain advertised rate. Effective June 1, 2026 through December 31, 2026. Early withdrawal penalty applies.
Qualified rate · 4.05% interest rate · Effective Jun 1, 2026
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More details - DeWitt Savings BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.12%APY$412 over 1 year on $10,000Requirements
Product: Fixed-rate, fixed-term CDs under $100,000; rates not for public entities; amounts of $100,000 or greater require calling for rates; applicants must be over 18 and reside in Illinois.
Offer: Less than $100,000; min balance to earn APY $1,000.
4.06% interest rate · Effective Oct 6, 2026
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More details - Homeland Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.12%APY$412 over 1 year on $10,000Effective Aug 5, 2026
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More details - SunWest Credit Union of ArizonaCertificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.12%APY$412 over 1 year on $10,000Requirements
Product: Dividends paid monthly. Fixed rates in effect for the term of the account. A penalty may be imposed for early withdrawal. Must be a SunWest member to open.
4.04% interest rate
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More details - Marquette Savings BankCertificates of DepositCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000Requirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.
Offer: Ladder CD promotional kicker rate for 1 Year CD. Minimum opening deposit of $10,000 required for each of the three CDs opened. Must open and maintain at least three CDs simultaneously, with like ownership, with staggered maturity terms. Kicker rate valid for initial term only. IRAs excluded.
4.05% interest rate
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More details - PSE Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000Requirements
Product: Rates remain fixed for the term of the certificate. Dividends are compounded quarterly. Early withdrawal penalties apply.
Offer: Fixed rate. Dividends compounded quarterly. Early withdrawal penalties apply.
4.05% interest rate · Compounded quarterly · Effective Oct 9, 2026
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More details - The Maries County BankRegular CDCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000Requirements
Product: A $1,000 deposit is required to open a regular CD. Interest is paid quarterly and can be compounded, deposited to a checking or savings account, or paid by check. Withdrawals prior to maturity are subject to an early withdrawal penalty. Automatically renewable at normal certificate of deposit rate.
4.05% interest rate · Effective Sep 8, 2026
Rate checked
More details - Security First BankTraditional Time Deposit AccountsCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000Requirements
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Early withdrawal penalty applies.
Effective Oct 5, 2026
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More details - Affinity First Federal Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000Requirements
Product: $500.00 minimum required. AFFCU membership required. Rates are subject to change.
Effective Oct 1, 2026
Rate checked
More details - US Community Credit Union12 Month (Quarterly) Certificate SpecialCD · 12 months · $2,500 min · 4.11%–4.17% by balance
Credit union · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000intro rateRequirements
Product: Must be opened with New Money only (money not on deposit at US Community Credit Union within prior 6 months). Non-members must join and open share account with $5 minimum deposit. Rate available until first maturity. Early withdrawal penalty. Limited time only.
Offer: Regular 12 Month (Quarterly) Certificate Special. New money required. Special rate only available until first maturity.
Promotional rate · Effective Sep 11, 2026
Rate by balance
Rate by balance for 12 Month (Quarterly) Certificate Special Balance APY $2,500 – $250,000Your amount 4.11% $250,000 – $500,000Jumbo 12 Month (Quarterly) Certificate Special. 4.17% 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