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 886–900 results
- Eastbank, N.A.Certificate of Deposit (CD)CD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Interest is compounded daily and paid at maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalties may apply. Interest compounded daily and paid at maturity.
3.92% interest rate · Compounded daily · Balance cap $100,000 · Effective Jun 30, 2026
Rate checked
More details - Morrisons Cove 1st FCUShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: $500 minimum initial deposit. Interest compounded monthly. Penalty for early withdrawal. Rates subject to change.
Offer: Share Certificate Special for the months of August, September, and October. Effective 8/1/2026-10/30/2026. Interest compounded monthly. Penalty for early withdrawal. Rates subject to change.
Promotional rate · Compounded monthly · Effective Aug 1, 2026
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More details - Bethlehem 1st Federal Credit UnionShare CertificatesCD · 12 months
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,0003.94% interest rate
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More details - Texas Tech Credit UnionRegular CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Fixed rate. Rates subject to change based on account balance criteria. Fees may reduce earnings. A penalty may be assessed for early withdrawal.
Effective Sep 14, 2026
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More details - NSPIRE FCUCertificates of DepositCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Early Withdrawal Penalties Apply for all Certificate of Deposits. Dividends are paid monthly using the simple interest method (does not compound).
Offer: Full Service Accounts (FS) include draft account with direct deposit and debit card (or checks); must be established 3 months to receive updated premium rate.
Qualified rate · 4.00% interest rate · Effective Jul 16, 2026
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More details - Kansas City Credit UnionShare Certificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Certificate dividends are paid at maturity.
Offer: Certificate dividends are paid at maturity.
4.00% interest rate
Rate checked
More details - Legacy Bank12 Month Consumer CDCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Available to consumer customers. Early withdrawal penalty will be imposed.
Offer: Annual Percentage Yield (APY) assumes all interest will remain on deposit until maturity date. Early withdrawal penalty will be imposed.
3.94% interest rate
Rate checked
More details - Glendale Area Schools Credit UnionCertificate AccountsCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Must be a member of Glendale Area Schools Credit Union and maintain an active Share Savings Account or UTMA Account. A minimum deposit of $1,000 is required to open. Early withdrawal penalties apply.
Offer: America's 250th 4% CD Promotion. Offer good through October 31.
Promotional rate
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More details - PCB Bank2026 Special CD at Suwanee branchCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Limited-time offer celebrating first anniversary at Suwanee Branch in Georgia only. Open account in-person at Suwanee Branch. Must have a qualifying checking account with PCB Bank and open with new money only. Account automatically renews for the same term at maturity. Early withdrawal penalty equal to 2 months' interest.
Offer: Offer good for the initial term only. Interest will not be compounded, credited at maturity. Minimum deposit of $10,000 in new money and qualifying checking account required.
Qualified rate · 4.00% interest rate · Effective Jun 18, 2026
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More details - Technology Credit UnionConsumer CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.
3.94% interest rate · Effective Sep 1, 2026
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More details - Sunward Credit UnionStandard Term CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Standard Term Certificates are available to personal and business members. Penalty may be imposed for early withdrawal. APY if dividends are not withdrawn during the term.
3.93% interest rate · Effective Sep 16, 2026
Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 12 months · $5 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Requires GoldStar® Membership.
Qualified rate · 3.93% interest rate · Effective Apr 1, 2026
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More details - American United Federal Credit UnionRegular CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Requires GoldStar® Membership.
3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - Snake River FCUShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,0004.00% interest rate · Effective Sep 15, 2026
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More details - City National BankCertificate of DepositCD · 6–12 months · $500 min
Bank · Add a location to see nearby branches
3.99%APYRequirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE: Non-Compounding. Term 180 - 364 days.
3.95% interest rate
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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
5,320 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