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 436–450 results
- Baton Rouge Telco FCUShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Dividends are posted monthly based on the daily balance and compounded monthly. Variable rate accounts subject to change at any time. Penalties for early withdrawals may apply. Step-up options apply to two-year terms and up, where rate can jump once before maturity. Automatic renewal for the same term at the new APY with a 10-day grace period.
4.02% interest rate · Compounded monthly
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More details - RBC BankCertificate of Deposit (CD)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,0004.02% interest rate
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More details - American Bank & TrustCertificate of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Fixed interest rate on daily balance until maturity. Interest accrued daily and compounded monthly. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. Special promotions may require different minimum deposits. Check writing not allowed.
4.03% interest rate · Compounded monthly · Effective Oct 2, 2026
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More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Minimum balance to obtain APY is $100. APY assumes interest remains on deposit until maturity. Penalty may be imposed for early withdrawal. CD is automatically renewed for the same term. Grace period of 10 calendar days after maturity to withdraw funds without penalty. Fees could reduce earnings.
Offer: Minimum balance to obtain the annual percentage yield (APY) is $100. The APY assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. CD is automatically renewed for the same term. 10 calendar days grace period after maturity date. Fees could reduce earnings.
Effective Sep 30, 2026
Rate checked
More details - Alabama ONECertificates of Deposit AccountsCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: $1,000 minimum deposit required. Terms from 6 months to 5 years available. Dividends are compounded and paid quarterly and at maturity. $5 membership fee required. Early withdrawal penalties may apply. Jumbo rate qualifies for Personal CD deposits of $250,000 or more or approved exception.
Offer: Dividends compounded quarterly.
4.04% interest rate · Compounded quarterly · Effective Sep 25, 2026
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More details - Family Savings Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Dividends compounded quarterly. The Annual Percentage Yield (APY) and interest rate assume that interest is to be added to the principal and remain in the account until the maturity of the certificate. An early withdrawal penalty of 2% of the principal balance or 1 year of interest, whichever is less, will apply if any funds are withdrawn from the certificate before the maturity date.
Offer: Dividends compounded quarterly. Early withdrawal penalty applies.
4.04% interest rate · Compounded quarterly · Effective Sep 21, 2026
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More details - Coastal States BankCertificate of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000intro rateRequirements
Product: Interest rate guaranteed for entire term. Early withdrawal penalties may apply. Auto-renews at maturity.
Offer: Special promotional rate. Minimum balance to open and obtain APY is $1,000. Penalty for early withdrawal will reduce earnings.
Promotional rate · Effective Sep 24, 2026
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More details - Nelnet BankPersonal Certificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Must be a U.S. citizen or permanent resident, at least 18 years of age, currently residing in the United States with a physical address in the U.S. Interest compounds daily using a 365/366-day basis and pays monthly.
Offer: Early withdrawal penalty applies (for terms more than 6 months and up to 12 months, penalty is 90 days' simple interest). $1000 minimum balance required to open and obtain advertised APY.
Effective Oct 1, 2026
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More details - Oxford Federal Credit UnionShare CertificatesCD · 12–23 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APYRequirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Jumbo ($95,000 and greater) Share Certificates rates are available by phone.
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More details - Tidemark Federal Credit UnionRegular Share CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,0004.02% interest rate · Effective Sep 23, 2026
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More details - Round Top State BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: Early withdrawal penalty may apply.
4.02% interest rate · Effective Sep 18, 2026
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More details - WinSouth Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Minimum opening balance of $1,000.
Offer: 12 month special
Promotional rate
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More details - Chiphone Federal Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.02% interest rate · Compounded daily · Effective Sep 24, 2024
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More details - Peninsula Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 3, 2026
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More details - First Bank HamptonCertificates of Time DepositCD · 12 months · $1,000 min · 4.00%–4.20% by balance
Bank · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Low opening deposit of $1,000. Receive reminders before maturity and automatic renewals.
Offer: Interest compounded quarterly. Early withdrawal penalties may apply: 12 months and under maturity is 9 months interest.
3.94% interest rate · Compounded quarterly · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Time Deposit Balance APY $1,000 – $7,500 4.00% $7,500 – $100,000Your amount 4.10% $100,000 and up 4.20% 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
5,319 CDs at 4,376 banks and credit unions · checked Oct 22–24
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.45%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank