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 1036–1050 of 5,350 results
- 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 - Heritage Valley 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: Fixed rate share certificates with terms ranging from 90 days to 60 months. Penalty for early withdrawal. Dividends compounded monthly, except for 90-day certificates which compound at maturity.
3.83% interest rate · Compounded monthly
Rate checked
More details - Riverfront Federal Credit UnionNonpreferred CertificatesCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Available to members who live, work, worship, or attend school in Berks County, PA, or eligible family/legal entities with a $5.00 savings deposit. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
Offer: Fixed to maturity. Subject to early withdrawal penalty.
Effective Oct 1, 2026
Rate checked
More details - Bridge Credit UnionSecond Chance CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Option to bump up rate (one time for certificates under 24 months and twice for certificate over 24 months) requires contacting Bridge before the original certificate maturity date. Bump rate must be of the equal term of the original certificate.
Offer: To receive ConnectMORE APY, member must be in the ConnectMORE Royal Rewards program.
Rate checked
More details - GR Consumers Credit UnionCertificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Must maintain a Share Savings Account with a minimum balance of $5.00 for credit union membership. Gold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies.
Offer: Gold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies.
Balance cap $250,000 · 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
5,350 CDs at 4,379 banks and credit unions · checked Oct 22–25
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.40%
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