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 511–525 results
- Citizens Savings BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Eligible on personal accounts only. Early withdrawals subject to penalty (Term of 1 year or less: 3 months' interest; Terms of 1 year to 5 years: 6 months' interest; Term over 5 years: 1 year interest). Renews automatically upon maturity after 6-day grace period. No setup or maintenance fees.
4.00% interest rate · Effective Aug 28, 2026
Rate checked
More details - Beaumont Community CUShare CertificateCD · 12 months · $1,000 min · 4.07%–4.17% by balance
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Minimum deposit to purchase a CD is $1,000.00.
Offer: Under $50,000; dividends compounded daily and paid monthly
4.00% interest rate · Compounded daily
Rate by balance
Rate by balance for Share Certificate Balance APY Up to $50,000Your amount 4.07% $50,000 and upOver $50,000; 4.17% Rate checked
More details - First State BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Offer: Penalties apply for early withdrawals.
4.00% interest rate · Effective Sep 10, 2026
Rate checked
More details - DuGood Federal Credit UnionCertificateCD · 12 months · $1,000 min · 4.07%–4.18% by balance
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Early withdrawal penalties may apply. Any fee incurred could reduce earnings. Membership eligibility required.
Offer: Early withdrawal penalties may apply. Any fee incurred could reduce earnings.
4.00% interest rate · Effective Feb 18, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 and upYour amount 4.07% $50,000 and up 4.13% $100,000 and up 4.18% Rate checked
More details - Utica District Telephone Employees Federal Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Dividends calculated by average daily balance method. After the account is opened, additional deposits cannot be made until maturity. Early withdrawal penalty equals 30 days of dividends on terms of 12 months or less, and 60 days on terms greater than 12 months. Certificate automatically renews at maturity with a 10 business day grace period.
Offer: Compounded quarterly, credited quarterly. Early withdrawal penalty equals 30 days of dividends.
4.00% interest rate · Compounded quarterly
Rate checked
More details - Gulf Coast Educators Federal Credit UnionPremium Term Share CertificateCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000with conditionsRequirements
Product: Available to Premium Deposit Account holders who use at least three qualifying services (checking account, direct deposit, loans, or Visa debit card), adding 0.50% to the dividend rate. Dividends compounded and credited quarterly. Additional deposits allowed with no limit.
Offer: 12 month term. Requires Premium Deposit Account qualification.
Qualified rate · 4.00% interest rate · Effective Mar 24, 2026
Rate checked
More details - Affinity Credit UnionCertificatesCD · 12 months · $1,000 min · 1.26%–4.06% by balance
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Dividends are compounded quarterly for terms up to 24 months, yearly for 36 months. Early withdrawal penalty may apply. CD special rolls into a 12-month regular certificate at maturity. Minimum balance listed is required to earn the stated APY.
Offer: $1,000 minimum. Dividends compounded quarterly.
1.25% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 1.26% $10,000 and upYour amount$10,000 minimum. 4.06% Rate checked
More details - O'Bannon BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: $1,000 minimum required to open and obtain APY. Rates subject to change without notice at the discretion of the bank at anytime. Penalty for Early Withdrawal.
4.00% interest rate · Effective Oct 21, 2026
Rate checked
More details - FirstBank of NebraskaCertificates of DepositCD · 12 months · $1,000 min · 4.01%–4.06% by balance
Bank · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal. Rates are good through 10/27/2026.
Offer: Daily balance minimum to obtain APY. Early withdrawal penalty may apply.
Promotional rate · 3.95% interest rate · Effective Oct 27, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 4.01% $5,000 and upYour amount 4.06% Rate checked
More details - Huntington Federal Savings BankCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Available to residents in the local market area of Huntington Federal. Subject to penalty for early withdrawal. Rates guaranteed for the term of the certificate. Account fees may affect earnings.
Offer: 12 Month C.D.
4.00% interest rate · Effective Sep 22, 2026
Rate checked
More details - Wolf Point Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000intro rateRequirements
Offer: Dividends are compounded quarterly.
4.00% interest rate · Compounded quarterly · Effective Oct 23, 2023
Rate checked
More details - The Citizens Bank CompanyCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: The minimum opening balance for all deposits is $1,000.00. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly. Penalties for early withdrawal may be applicable.
Offer: 12 Month CD. Interest can be compounded quarterly.
4.00% interest rate · Compounded quarterly · Effective Oct 7, 2026
Rate checked
More details - Freedom Bank of Southern MissouriCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Automatically renewable at maturity.
4.00% interest rate · Effective Jun 15, 2026
Rate checked
More details - The Seymour BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: FDIC insured fixed rate investment. A substantial penalty for early withdrawal will be imposed.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Extra Credit UnionFixed-Rate CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Extra Credit Union membership required with a minimum deposit of $5 in a regular savings account. No monthly fees. Early withdrawal penalty may apply; 10-day grace period after maturity for auto-renewing certificates.
Offer: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates.
4.00% interest rate · Compounded quarterly · Effective Oct 16, 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank