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 556–570 results
- Canyon View Credit UnionRegular Share CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: $500 minimum balances to open. No maintenance fee. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
3.98% interest rate · Effective Oct 9, 2026
Rate checked
More details - Canyon View Credit UnionAdd-On CertificateCD · 12 months · $10 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: $10 minimum to open; aggregate limit $250,000; consumer accounts only. Automatically renews for same term unless otherwise requested at maturity. Dividends are paid monthly. Early withdrawal penalties may apply. Min. $10 in primary savings required. Membership required. Other restrictions may apply.
3.98% interest rate · Balance cap $250,000 · Effective Oct 23, 2026
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More details - Tarrant County's Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: $1,000 minimum to open and obtain disclosed annual percentage yield. Interest compounds monthly and is paid monthly. Early or partial withdrawal of certificate may result in a penalty.
3.98% interest rate · Balance cap $49,999.99 · Effective Oct 19, 2026
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More details - Woori America BankWooriWON Certificate of Deposit (CD)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.
Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.
Effective Oct 22, 2026
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More details - Regent BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000intro rateRequirements
Product: No monthly maintenance fees. Fixed interest rates. Early withdrawal penalty applies (3-month CD: 30 days interest; 6-12 month CD: 3 months interest; 18-60 month CD: 6 months interest). Limited-time offer. FDIC insured up to $250,000.
Offer: Early withdrawal penalty: 3-month interest penalty. Limited-time offer.
Promotional rate · 3.99% interest rate · Effective Jul 20, 2026
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More details - Align Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Credit union membership required ($5 deposit relationship). Early withdrawal penalty may be imposed. Rates guaranteed for the length of the term. Fees may reduce earnings. 2 Year CD and 5 Year CD available to open online.
Offer: Minimum daily balance of $500 required to obtain disclosed APY.
3.97% interest rate · Effective Oct 13, 2026
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More details - XCEL Federal Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000intro rateRequirements
Product: Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly. Choose from a wide range of terms, from 3 months to 5 years. Membership eligibility required. Special promotional certificate products (7-Month, 12-Month, 18-Month) are not eligible for IRA certificates.
Offer: Upon maturity, the 12-month certificate will automatically roll into a 12-month Share Certificate at the prevailing rate unless alternate instructions are provided. Membership eligibility required. Not eligible for IRA certificates.
Promotional rate · 3.98% interest rate · Compounded monthly · Effective Oct 22, 2026
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More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - Mountain America Credit UnionStandard CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
3.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - Mountain America Credit UnionGrowth CertificateCD · 12 months · $5 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
3.98% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - Deseret First Credit UnionRegular Share CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000intro rateRequirements
Product: Membership required; eligibility requirements apply. Minimum balance to open the account and earn the advertised APY is $500.00. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Standard rate. Minimum balance to open and earn advertised APY is $500.00.
Promotional rate · 3.97% interest rate
Rate checked
More details - Goldenwest Credit UnionStandard CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Minimum deposit to earn dividends is $500. Terms range from 1 to 60 months. Dividends paid monthly. Bump option available at opening (0.15% lower than stated rate for one-time rate bump). President's Club members earn an additional 0.25%. Early withdrawal penalties apply.
3.98% interest rate · Effective Oct 1, 2026
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More details - Timberland BankSpecial Promotional CDsCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.05%APY$405 over 1 year on $10,000intro rateRequirements
Product: Open with as little as $500 at branch locations. Early withdrawal penalties may apply.
Offer: Promotional APY effective as of October 20, 2026 and subject to change without notice. $500 minimum to open account and earn APY. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 20, 2026
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More details - Alpine Credit UnionValue CertificateCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APYRequirements
Product: Pays the highest dividend rate. Maturity date options 3-60 months. Auto renewal. Standard maturity terms are 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, and 5 years. If non-standard term is selected, renews at next shortest standard term. 10-day grace period after renewal.
3.99% interest rate
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More details - America First Credit UnionLadder Certificate AccountsCD · 12–17 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APYRequirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
3.98% interest rate · Effective Oct 21, 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