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 901–915 results
- Warren-Boynton State Bank12 Month CDCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.99%APY$399 over 1 year on $10,000intro rateRequirements
Product: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
Offer: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
Promotional rate · 3.95% interest rate · Effective Oct 14, 2026
Rate checked
More details - First Choice Credit UnionShare CertificatesCD · 12 months · $1,000 min · 2.96%–4.25% by balance
Credit union · Add a location to see nearby branches
3.99%APY$399 over 1 year on $10,000Requirements
Product: Federally insured by NCUA. Minimum balance to open is $1,000. Early withdrawal penalty is 180 days interest. Rates are fixed for the full term.
Offer: Early withdrawal penalty: 180 days interest. Fixed rate.
2.93% interest rate · Effective Nov 1, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 2.96% $5,000 and upYour amount 3.99% $75,000 and up 4.25% Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.98%APY$398 over 1 year on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Plus Spending relationship.
Effective Oct 13, 2026
Rate checked
More details - Cape Cod 5Certificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.98%APY$398 over 1 year on $10,000with conditionsRequirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Available exclusively to PrimaryPlus relationship customers.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - Self-Help Credit UnionGo Local Term CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$398 over 1 year on $10,000Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Self-Help Credit UnionTerm CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$398 over 1 year on $10,000Requirements
Product: Fixed rate share account. Early withdrawal penalties: 90 days of interest on terms of 12 months or less; 180 days of interest on terms greater than 12 months.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Self-Help Credit UnionGreen Term CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$398 over 1 year on $10,000Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Self-Help Federal Credit UnionTerm CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$398 over 1 year on $10,000Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Coteau Valley Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$398 over 1 year on $10,000Requirements
Product: Dividends are paid quarterly Dividends calculated by average daily balance Automatic renewal with a 10 day grace period A 0.200% dividend increase is available for non-profit organizations. Penalties 6 month CD - loss of one quarter's earnings 12 month & up - loss of two quarter's earnings
Offer: A 0.200% dividend increase is available for non-profit organizations. Dividends paid quarterly calculated by average daily balance. Automatic renewal with a 10 day grace period.
3.90% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.98%APY$398 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal on Certificates of Deposit. The minimum balance to open each account is shown and it is also the amount needed to obtain the stated APY. APY assumes interest will remain on deposit and withdrawal may reduce earnings.
Offer: 12 Month CD
Effective Sep 29, 2026
Rate checked
More details - The County Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.97%APY$397 over 1 year on $10,000Requirements
Product: Dividends are compounded daily and paid monthly.
3.90% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.97%–4.13% by balance
Credit union · Add a location to see nearby branches
3.97%APY$397 over 1 year on $10,000Requirements
Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
3.90% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.97% $50,001 and up 4.02% $100,001 and up 4.07% $250,001 and up 4.13% Rate checked
More details - Grow FinancialCertificate AccountCD · 12–17 months · $500 min · 3.97%–4.07% by balance
Credit union · Add a location to see nearby branches
3.97%APYRequirements
Product: Minimum balance of $500.00 required to open and maintain the account; account will be closed if balance falls below requirements. Membership required.
Offer: Must maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY.
3.90% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 3.97% $100,000 and up 4.07% Rate checked
More details - Eastmill Federal Credit UnionCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.97%APY$397 over 1 year on $10,000Requirements
Product: Rates apply to Share Certificates. After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals.
3.90% interest rate · Effective Apr 1, 2026
Rate checked
More details - Southeastern Ohio Credit UnionShare CertificateCD · 12 months
Credit union · Add a location to see nearby branches
3.97%APY$397 over 1 year on $10,000Requirements
Product: Monthly interest paid on all accounts. Early withdrawal penalties may apply. Rates are subject to change without notice.
Offer: Monthly interest paid on all accounts. Early withdrawal penalties may apply.
3.90% interest rate · Effective Aug 3, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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