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 976–990 results
- Odin State BankCertificate SpecialsCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
3.94%APY$394 over 1 year on $10,000intro rateRequirements
Offer: TWELVE (12) MONTH Special
Promotional rate · 3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Sovita Credit UnionCertificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.94%APY$394 over 1 year on $10,000Requirements
Product: Fixed rates for the term of the certificate. Penalty may be imposed for early withdrawal. Rates may change weekly.
Offer: Duration: 12 Months. Interest paid & compounded quarterly.
3.88% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - The Farmers State Bank12 Month Fixed Interest Rate CDCD · 12 months · $500 min · 3.94%–4.04% by balance
Bank · Add a location to see nearby branches
3.94%APY$394 over 1 year on $10,000Requirements
Product: Compounded semi-annually. Automatically renewable.
3.90% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for 12 Month Fixed Interest Rate CD Balance APY $500 and upYour amount 3.94% $50,000 and up 4.04% Rate checked
More details - Auburn University Credit UnionShare CertificatesCD · 12–17 months · $2,500 min · 3.94%–4.04% by balance
Credit union · Add a location to see nearby branches
3.94%APYintro rateRequirements
Product: Dividends accrue daily and are paid quarterly (or at maturity for short terms). Early withdrawal penalty: for less than 18 months, forfeiture of all dividends on amount withdrawn for 90 days; for greater than 18 months, forfeiture of all dividends on amount withdrawn for 180 days.
Offer: Compound Period: Quarterly
Promotional rate · 3.88% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 and upYour amount 3.94% $100,000 and upJumbo Rate ($100,000+ Deposit); 4.04% Rate checked
More details - Community Bank of MarshallCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.94%APY$394 over 1 year on $10,000Requirements
Product: Personal accounts only; business and corporate accounts do not qualify. Early withdrawal penalty may be imposed. Fees could reduce earnings.
Offer: Compounds semi-annually.
3.90% interest rate
Rate checked
More details - Northern State Bank of Virginia12 MONTH CD SPECIALCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
3.93%APY$393 over 1 year on $10,000intro rateRequirements
Product: A penalty will be imposed for early withdrawal. Daily balance calculation.
Offer: Daily balance.
Promotional rate · 3.87% interest rate · Effective Jun 25, 2026
Rate checked
More details - Members Advantage Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.93%APY$393 over 1 year on $10,000Requirements
Product: Dividends compounded monthly. A minimum deposit of $1,000.00 is required.
Offer: Dividends compounded monthly.
Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Safe 1 Credit UnionCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$392 over 1 year on $10,000with conditionsRequirements
Product: Dividends paid monthly. Rates fixed for stated term except variable rate accounts. Subject to penalties for early withdrawals.
Offer: 12-Month Variable Rate Certificate. Variable rate type. Dividends paid monthly.
Qualified rate · 3.85% interest rate · Effective Oct 14, 2026
Rate checked
More details - Bayou Community Federal Credit UnionCertificate of DepositsCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$392 over 1 year on $10,000Requirements
Product: Membership at Bayou Community FCU is open to anyone who lives, works, worships, or attends school in St. Gabriel and surrounding areas. Minimum of $500 to open certificates; certificates are payable monthly or at maturity. Rates are determined monthly.
Offer: Pays Monthly.
3.85% interest rate · Effective Jun 1, 2026
Rate checked
More details - Schools Federal Credit UnionTerm Share CertificateCD · 12 months · $500 min · 3.92%–4.04% by balance
Credit union · Add a location to see nearby branches
3.92%APY$392 over 1 year on $10,000Requirements
Product: Term Share Certificates (certificates of deposit). Early withdrawal penalty. Certificate rates are contracted at opening and upon renewal; compounded and paid monthly. Options to increase the dividend based on balance and relationship. Rates and terms subject to change without notice.
Offer: Dividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty.
3.85% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $89,999Your amount 3.92% $90,000 and up 4.04% Rate checked
More details - Beacon Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$392 over 1 year on $10,000Requirements
Product: $5 membership share required. Fixed rate for the term. Open with as little as $500; terms from 12 months to five years. Dividends compounded monthly.
Offer: No monthly maintenance fees. No up-front fees.
3.85% interest rate · Compounded monthly
Rate checked
More details - Carolinas Telco Federal Credit UnionShare Certificate AccountsCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$392 over 1 year on $10,000Requirements
Product: Must deposit or maintain minimum required share(s) in a Prime Share Savings account ($5.00 par value). Dividends compounded and credited monthly. Dividends calculated using the average daily balance method. Penalty applies for early withdrawal. Account automatically renews at maturity unless specified otherwise.
3.85% interest rate · Effective Oct 13, 2026
Rate checked
More details - Brewer Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$392 over 1 year on $10,000Requirements
Product: Dividend period is monthly. Dividends are compounded and credited monthly. A penalty may be imposed for early withdrawal. Rates are fixed for the term of the account. Certificates renew at the end of the term with a 10-day grace period.
3.85% interest rate · Effective Oct 6, 2026
Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$392 over 1 year on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 2 (3-rung ladder: 12, 24, 36 months) or Option 3 (5-rung ladder: 12, 24, 36, 48, 60 months). All certificates established with equal amounts.
3.85% interest rate · Effective Oct 1, 2024
Rate checked
More details - OREM CITY EMPLOYEESShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$392 over 1 year on $10,000Requirements
Product: A minimum deposit of $500.00 is required to purchase a share certificate. Certificate rates are subject to change without notice.
3.85% interest rate
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