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 496–510 results
- Grant County BankCertificates of Deposit (CDs)CD · 12 months · $100 min · 4.07%–4.17% by balance
Bank · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Interest rate and APY may change after account opening.
4.03% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $100,000Your amount 4.07% $100,000 and up 4.17% Rate checked
More details - POCU of MarylandHigh Rate CDsCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000intro rateRequirements
Product: POCUMD membership is required to open a Certificate of Deposit. Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. Withdrawal of funds before maturity date incurs early withdrawal penalty. Single term only; accounts will not automatically renew at maturity and will not pay dividends after maturity. Insured up to $250,000.
Offer: Limited-time CD rate.
Promotional rate
Rate checked
More details - Winthrop Area Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,0004.00% interest rate · Effective Oct 2, 2026
Rate checked
More details - evolve Federal Credit UnionBoost Term Share CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply (1 year or less: 90 days' interest, 2 year: 180 days' interest, 3 year: 270 days' interest, 4 year: 360 days' interest, 5 year: 450 days' interest). Platinum and Diamond Elite accounts qualify for a rate boost.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Directions Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - HPC Credit UnionGovernment Certificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Account eligibility requirements apply. Minimum balance must be maintained to earn stated APY. Penalty may be imposed for early withdrawal.
Effective Oct 5, 2026
Rate checked
More details - MASSMUTUALShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000intro rateRequirements
Product: $500 minimum deposit to open and earn stated dividend rate and receive Annual Percentage Yield. Early withdrawal penalties apply. Automatic renewal at maturity for 15-Month Promotional into standard 12-Month Share Certificate.
Promotional rate · 4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Chelsea Employees Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty applies (30 days' dividends for terms <= 12 months, 60 days' dividends for terms > 12 months). Automatically renews at maturity with a 10-day grace period. Additional deposits not permitted after account opening. Dividends compounded daily and credited monthly.
4.00% interest rate · Compounded daily · Effective Oct 3, 2026
Rate checked
More details - CDC Federal Credit UnionRewards CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000with conditionsRequirements
Product: Rate depends on certificate term, length of membership tenure, and having an active checking account. Early withdrawal penalty may apply. $1,000 minimum balance to open account.
Offer: Tenure 15-19 Yrs; Active Checking: Yes
Qualified rate · 4.00% interest rate
Rate checked
More details - First National Bank of Eastern Arkansas1 Year CDCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Penalty may be imposed for early withdrawal (7 Day CD - 18 Month CD: 31 days). Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Fees may reduce earnings.
Offer: Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Early withdrawal penalty: 31 days.
4.00% interest rate · Effective Aug 9, 2023
Rate checked
More details - Putnam County State BankCertificates of DepositCD · 12–23 months · $500 min · 3.04%–4.33% by balance
Bank · Add a location to see nearby branches
4.07%APYRequirements
Product: Substantial penalties apply for early withdrawals. Interest accrued monthly for optimal yield.
3.00% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 3.04% $10,000 – $100,000Your amount 4.07% $100,000 and up 4.33% Rate checked
More details - Post Office Employees Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000with conditionsRequirements
Product: Minimum deposit of $1,000 to open a Certificate of Deposit. Dividends are paid monthly. Rate boosts available via CD Loyalty Special / Reward Qualifications: +0.50% dividend rate for active Visa (open/active 90 days, min 2 transactions/mo over previous 3 mos), +0.50% dividend rate for active Checking (open/active 90 days, min 4 transactions/mo over previous 3 mos), and +0.25% dividend rate for enrolling in e-Statements on or before opening CD (max loyalty reward = 1.25%).
Offer: Base Rate + 1.00% (e.g. active Visa and active Checking account parameters)
Qualified rate · 4.00% interest rate · Effective Mar 19, 2025
Rate checked
More details - Michigan Columbus Federal Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Minimum balance is $500. Dividends calculated daily, paid quarterly. Available terms range from 6 to 60 months. Auto renew options available.
Rate checked
More details - Family Financial Credit UnionCertificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Fixed rate locked at account opening. Requires maintaining a $5.00 par value share in the credit union. Early withdrawal penalty applies (90 days interest for terms 12 months or less, 180 days interest for terms over 12 months); 7-day grace period at maturity.
4.00% interest rate · Effective Dec 10, 2025
Rate checked
More details - Laona State BankCertificates of DepositCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. Annual percentage yield is based upon monthly compounding of interest for the term of deposit. Interest rates are subject to change at any time and without notice.
Offer: 12 Month Special. Compounded/credited monthly.
4.00% interest rate · Effective Aug 24, 2026
Rate checked
More details
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 4,376 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank