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 946–960 results
- Jordan Credit UnionCertificate AccountCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Early withdrawals from Certificate Accounts are subject to fees and penalties that may reduce the earnings or the principal of the Certificate. Dividends are paid monthly. Membership eligibility required.
3.88% interest rate · Effective Oct 1, 2026
Rate checked
More details - Wasatch Peaks Credit UnionDedicated Saver CertificateCD · 12 months · $10 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Requires scheduled monthly automatic transfers/deposits of at least $10 via direct deposit, automatic transfer, or payroll deduction. Maximum manual transfer/deposit of up to $10,000 per month. Terms range from 3 to 60 months. Early withdrawal penalties apply.
Offer: Interest computed daily and paid monthly. Requires automatic transfer of at least $10 per month.
3.88% interest rate
Rate checked
More details - Maine Community BankCertificates of Deposit (CDs) – Special OfferingsCD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000intro rateRequirements
Product: Certificates of Deposit are available for personal banking and business banking customers. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us .
Offer: 12 Month Special
Promotional rate · Effective Oct 15, 2026
Rate checked
More details - Greater Nevada Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Fixed rate for the term. Dividends credited and compounded monthly unless otherwise paid. Non-compounding Certificates available at reduced rates and APYs. Penalty for early withdrawal.
3.88% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Mountain Laurel Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Early withdrawal penalty is 90 days' dividends, including principal.
3.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - Webster First Federal Credit UnionHigh Yield Share CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000intro rateRequirements
Product: Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member. Enrollment in Webster First Federal Credit Union membership required to complete certificate ownership.
Promotional rate · 3.87% interest rate · Effective Oct 5, 2026
Rate checked
More details - MemberSource Credit UnionTerm Share CertificatesCD · 12 months · $500 min · 3.95%–4.05% by balance
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Dividends paid monthly. For 12 month Term Share Certificates, you have the discretion to increase the existing rate to the current rate available on certificates with the same term one time during the term of the certificate. Early withdrawal will result in a dividend penalty.
3.88% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $50,000Your amount 3.95% $50,000 – $100,000 4.00% $100,000 and up 4.05% Rate checked
More details - Heritage Valley Federal Credit UnionHeritage Gold CertificateCD · 12 months · $10,000 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Heritage Gold rates require a minimum balance of $10,000. Substantial penalty for early withdrawal. Dividends compounded monthly.
3.88% interest rate · Compounded monthly
Rate checked
More details - Associated School Employees CUCertificates (Regular)CD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. $1,000 minimum to open and earn dividends/interest. Rates subject to change at any time. Fees could reduce earnings.
Offer: A penalty will or may be imposed for early withdrawal.
3.88% interest rate · Effective Oct 5, 2026
Rate checked
More details - Bridge Credit UnionStandard CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Offer: To receive ConnectMORE APY, member must be in the ConnectMORE Royal Rewards program.
Rate checked
More details - Superior Credit UnionWealthBuilder Share CertificateCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Minimum balance to open $100.00. Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week.
Offer: Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week.
3.89% interest rate · Effective Oct 1, 2026
Rate checked
More details - Superior Credit UnionPercy Pig Super Saver CertificateCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Minimum balance to open $100.00. Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week. Additional deposits permitted.
Offer: Requires direct deposit, payroll deduction, or automatic transfer of at least $10.00/week. Allows adding to certificate.
3.89% interest rate · Effective Oct 1, 2026
Rate checked
More details - Superior Credit UnionRegular Share CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Minimum balance to open share certificate is $1,000.00. Dividends compounded quarterly. 90-day penalty for early withdrawal for terms 3-12 months; 180-day penalty for terms 18-60 months.
Offer: Dividends compounded quarterly. 90-day penalty for early withdrawal.
3.89% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Multipli Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Standard Certificate requires $500 minimum deposit, deposited once at account opening and remaining in place until maturity. Monthly dividends. Rollover at maturity with 10-day grace period. Early standard certificate withdrawals penalty: 50% of remaining unearned interest or 180 days worth of interest.
Offer: Monthly dividends; Rollover at maturity
Effective Sep 18, 2026
Rate checked
More details - Ukrainian Selfreliance MI FCUShare Certificates of Deposit (CD)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Penalty may apply for early withdrawal. Insured up to $250,000 by NCUA.
3.95% interest rate · 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 4,376 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