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 61–75 results
- First Northern Bank and Trust1 Year (12 Month) Adjustable CDCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.44%APY$444 over 1 year on $10,000Requirements
Product: Open account in person. The interest rate on your account is based on the prior month’s average 1 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. Interest rate may change every month. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.
Offer: Open account in person; rate based on prior month's average 1 Year Treasury Note Rate, adjustable monthly
4.37% interest rate · Effective Oct 2, 2026
Rate checked
More details - Cranberry FCUCertificates of Deposit (CD)CD · 12 months · $500 min · 4.44%–4.59% by balance
Credit union · Add a location to see nearby branches
4.44%APY$444 over 1 year on $10,000Requirements
Product: Early withdrawal penalties may apply to Certificate of Deposit (CD) accounts. Fees may reduce earnings or investment below principal.
4.35% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY $500 and upYour amount 4.44% $100,000 and up 4.59% Rate checked
More details - The Community State Bank12 Month CDCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.42%APY$442 over 1 year on $10,000Requirements
Product: All interest-bearing accounts are calculated on the full amount of principal in the account each day. Rates are subject to change. A penalty may be imposed for early withdrawal, fees may reduce earnings on account.
4.35% interest rate · Effective Sep 29, 2026
Rate checked
More details - First National Bank of PanaCD SpecialCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Call or stop in for full details. Special terms available: 6, 12, 18, 24, 30, and 36 months. Min deposit $1000.
Offer: Annual Percentage Yield of 4.40% for 12 Months. Min deposit $1000.
Rate checked
More details - CSD Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal.
4.33% interest rate · Effective Oct 9, 2026
Rate checked
More details - New Orleans Firemen's Federal Credit UnionCertificateCD · 12 months · $2,000 min · 4.00%–4.40% by balance
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Lock in a fixed rate for the entire term. Open with a minimum deposit of $2,000. No opening fees or monthly service fees. Terms from 6 months to 5 years. Interest is paid monthly and can be withdrawn without penalty or kept in the certificate. Can be used as collateral on loans. APY is based on a 365-day year, and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.
Rate by balance
Rate by balance for Certificate Balance APY $2,000 – $9,999 4.00% $10,000 and upYour amount 4.40% Rate checked
More details - Tropical Financial Credit UnionRegular Certificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 13, 2026.
Offer: Minimum average daily balance to earn APY is $500.
4.33% interest rate · Effective Oct 13, 2026
Rate checked
More details - HSBC USANew Money Certificate of Deposit (CD)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000with conditionsRequirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.
Qualified rate
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More details - FinWise BankCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: FDIC insured up to $250,000. Early withdrawal penalty of 90-day loss of interest. Automatic renewal at maturity with a 10-day grace period. Fixed rate.
Offer: Assumes interest and principal remain on deposit until maturity. Early withdrawal penalty of 90-day loss of interest.
Rate checked
More details - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: Must be a United States citizen or Permanent Resident with a valid Social Security Number. Accounts are opened and managed online. Trust accounts are not offered.
Balance cap $250,000 · Effective Oct 12, 2026
Rate checked
More details - Northeast BankCertificates of DepositCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000intro rateRequirements
Product: Consumer accounts are available to Maine and New Hampshire residents only. Opening deposit must be new money (not on deposit with Northeast Bank). Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: A minimum daily balance of $0.01 is required to earn the stated APY. Opening deposit must be new money. Early withdrawal penalties may apply.
Promotional rate · 4.31% interest rate · Effective Oct 14, 2026
Rate checked
More details - HSBC Trust Company (Delaware)New Money CDsCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Offer: Minimum balance to obtain APY is more than $0. Opening online requires minimum balance of $1,000.
Rate checked
More details - Planites Credit UnionInvestment CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,0004.33% interest rate · Effective Oct 1, 2026
Rate checked
More details - SJP Federal Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Certificate rates are fixed for the term. Dividends on Certificates are paid at maturity, and the APY assumes dividends remain on deposit until maturity. Partial withdrawals are not permitted and accounts must be closed to access funds prior to maturity, subject to an early withdrawal penalty equal to one-half of the interest that would have been earned through maturity.
Offer: Fixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - Marcus by Goldman SachsHigh-Yield CDCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). 10-Day CD Rate Guarantee applies. Maximum balance limits apply. Additional deposits allowed within first 30 days after opening.
Offer: $500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply.
Effective Oct 5, 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 4,386 banks and credit unions · checked Oct 15–22
- Typical
- 3.30%
- Top 10% from
- 4.05%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.40%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank