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 1021–1035 results
- Magnifi FinancialCertificatesCD · 12 months · $500 min · 3.90%–4.05% by balance
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Rates subject to change without notice. Dividends compound monthly. Minimum opening deposit $500. Automatically renewable. Penalty for early withdrawal: Terms of less than 9 months = 90 Days' Dividends; Terms of 9 months but less than 24 months = 180 Days' Dividends; Terms of 24 months and greater = 365 Days' Dividends. Penalty waived for withdrawals of up to 10% of opening balance one time during certificate term.
3.83% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 – $24,999Your amount 3.90% $25,000 – $49,999 3.90% $50,000 – $99,999 4.00% $100,000 – $149,999 4.05% $150,000 and up 4.05% Rate checked
More details - Alliance Credit UnionCertificates of DepositCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
Offer: Ages 0-19
3.85% interest rate · Compounded quarterly
Rate checked
More details - Community Bank of CameronCertificate of Deposit (CD)CD · 12 months · $1,000 min · 3.75%–4.00% by balance
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Compounded quarterly. Early withdrawal penalties may apply.
Offer: 12 Month term.
3.70% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 and up 3.75% $10,000 and upYour amount 3.90% $20,000 and up 4.00% Rate checked
More details - The Napoleon State BankCertificates of DepositCD · 12 months · $500 min · 3.90%–3.95% by balance
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Interest compounded, deposited into an account, transferred or paid by check. Terms vary up to 60 months. Minimum balance requirements and substantial penalties for early withdrawal vary based on term or type of certificate. Auto renewal for all CDs with 10-day grace period for CDs longer than 32 days. All interest rates are compounded daily and credited semi-annually. A minimum of $500 is required to open account and obtain disclosed APY. Penalty may be imposed for early withdrawal.
Offer: Minimum deposit $500.00. Standard rate tier.
3.83% interest rate · Compounded daily · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $50,000Your amount 3.90% $50,000 and up 3.95% Rate checked
More details - City of Boston Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. Minimum balance to open and earn dividends is $500. Fixed interest rate. Dividends compounded daily and credited monthly.
3.83% interest rate · Compounded daily · Effective Oct 9, 2026
Rate checked
More details - Middlesex Savings BankFreedom Platinum Certificate of DepositCD · 12 months · $250 min
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000with conditionsRequirements
Product: Requires a Freedom Platinum Checking account. Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
Offer: Requires Freedom Platinum Checking account.
Qualified rate · 3.83% interest rate · Effective Oct 15, 2026
Rate checked
More details - Cobalt Credit UnionCertificateCD · 12 months · $1,000 min · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000with conditionsRequirements
Product: 7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Borrow against funds with certificate loan. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.
Offer: Standard rate. Dividends compounded quarterly. Early withdrawal penalty applies.
Qualified rate · 3.84% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $100,000Your amount 3.90% $100,000 and up 4.00% Rate checked
More details - Cobalt Credit UnionBaby Bundle CertificatesCD · 12 months · $25 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Helps families set up savings for newest family members. Early withdrawal penalty applies. Compounded monthly.
Offer: Compounded monthly. Early withdrawal penalty applies.
3.83% interest rate · Compounded monthly
Rate checked
More details - Fidelity BankCertificates of Deposit (CDs)CD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Automatically renewable with a 10-day grace period. Notices mailed 2 weeks prior to maturity. Early withdrawal penalties may apply. Maintenance or fees may reduce earnings.
3.83% interest rate · Balance cap $99,000 · Effective Oct 13, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 90 days interest for terms <= 12 months, 180 days interest for terms > 12 months.
3.83% interest rate · Effective Oct 15, 2026
Rate checked
More details - Russell Country Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Requires $25 Membership Share. Penalty will be imposed for early withdrawal. Automatic renewal within 10 days of maturity. Dividends accrue daily and are paid monthly at end of month.
Offer: Penalty for early withdrawal.
3.83% interest rate · Effective Oct 1, 2026
Rate checked
More details - Tucson Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Minimum balance of $500.00 required. Automatically renewable at maturity with a 10 calendar day grace period. Dividends compounded daily and credited monthly or paid to another account. Early withdrawal penalties apply.
Offer: Disclosed dividend rate 3.83%. 1 Year term.
3.83% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - Cochise Credit UnionCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Certificate accounts pay a higher interest rate and are available in terms ranging from 6 months to 5 years. There is a $1,000 minimum balance and interest is paid monthly. When your certificate come due, we will send you a notice and give you ten business days to cash or change the terms of the certificate. After the ten days, we will automatically renew it for you! Early withdrawal penalties may apply.
Effective Oct 9, 2026
Rate checked
More details - Northern Skies Federal Credit UnionShare CertificatesCD · 12 months · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Dividends compounded quarterly. Penalty for early withdrawal: terms 90 days or less is 30 days dividends, less than 1 year and more than 90 days is 90 days dividends, terms between 11-24 months is 180 days dividends, and greater than 24 months is 365 days dividends.
Offer: Balance Under $100,000
3.84% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $100,000Your amount 3.90% $100,000 and up 4.00% Rate checked
More details - POLAM Federal Credit UnionSavings CertificateCD · 12 months · $2,500 min · 3.90%–4.35% by balance
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Lock funds for terms ranging from 6 months to 5 years. Minimum to open is $2,500 ($500 for members under 18 years of age). Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
Offer: Assumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
3.83% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Certificate Balance APY $2,500 and upYour amount 3.90% $25,000 and up 4.15% $50,000 and up 4.25% $100,000 and up 4.35% 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
5,306 CDs at 4,363 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