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 1066–1080 of 5,350 results
- Bragg Mutual Federal Credit UnionShare CertificateCD · 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: Available to members across Fayetteville, NC and Southeastern North Carolina. No setup or maintenance fees. No additional deposits after opening. Early withdrawals may incur penalties. 10-day grace period after maturity. Interest compounds monthly and automatically renews at maturity. Balances in excess of $250,000.00 do not qualify for share certificate rates.
Offer: Interest compounds monthly. Early withdrawal penalty may apply. Automatically renews at maturity.
Balance cap $250,000 · Effective Oct 2, 2025
Rate checked
More details - Argent Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Dividends compounded and paid quarterly. Early withdrawal penalties apply.
3.84% interest rate · Effective Jul 1, 2026
Rate checked
More details - Lake Chem Community Credit UnionCD SpecialCD · 12 months
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000intro rateRequirements
Product: Limited-time offer. Visit Calvert City or Draffenville Branches to take advantage.
Offer: Limited-time offer. Available at Calvert City or Draffenville branches.
Promotional rate
Rate checked
More details - Signet Federal Credit UnionShare CertificatesCD · 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: Minimum deposit is $1,000.00. Rates and terms are adjusted periodically to reflect market conditions.
Offer: Minimum balance requirement to open and earn APY is $1,000.00. Automatically renews into a 12-Month certificate at maturity with a 10-calendar-day grace period. Early withdrawal penalty is 90 days interest. No additional deposits allowed once established.
Effective Mar 2, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Minimum balance to open is $500.00. Minimum balance to obtain APY is $500.00. Early withdrawal penalties may apply. Fees may reduce earnings. Interest rates and APYs are subject to change.
3.86% interest rate · Effective Oct 30, 2025
Rate checked
More details - First Security BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Early withdrawals are subject to penalty. Funds FDIC-insured up to $250,000.
Effective Aug 18, 2026
Rate checked
More details - Gas & Electric Credit UnionShare Certificates (CDs)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: A minimum deposit of only $500 makes it easy to start at any time.
3.83% interest rate · Effective Oct 1, 2025
Rate checked
More details - The Federal Savings BankSpecial CD PromotionCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000intro rateRequirements
Product: Valid for renewals and funds not currently on deposit with The Federal Savings Bank. $5,000.00 minimum deposit to open and earn stated CD APY, assumes interest remains on deposit until maturity. Interest is accrued daily and compounded monthly. Early withdrawal penalty applies (180 days interest for 12 and 18 Month CDs; 365 days interest for 2, 3, 4, 5 Year CDs). 10-day grace period at maturity and auto renews.
Offer: Early withdrawal penalty is 180 days' worth of interest.
Promotional rate · 3.84% interest rate · Compounded monthly · Effective Jul 20, 2026
Rate checked
More details - Select Employees Credit UnionCertificates of DepositCD · 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: Select 50 Club Members receive .05% higher dividend rate on all CDs. Penalties for early withdrawal.
Offer: Minimum balance required to receive dividends is $1,000.00.
3.83% interest rate · Effective Aug 3, 2026
Rate checked
More details - Public Safety Credit UnionShare 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: Minimum required deposit is $500. Penalties apply for early withdrawal. Rates vary based on member relationship with the Credit Union and include all available bonuses.
Offer: Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
3.83% interest rate · Effective Jul 10, 2026
Rate checked
More details - American United Federal Credit UnionRegular 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: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Standard membership rate.
3.83% interest rate · Effective Apr 1, 2026
Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 12 months · $5 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Standard membership rate.
Qualified rate · 3.83% interest rate · Effective Apr 1, 2026
Rate checked
More details - P&S Credit UnionShare Certificates 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: Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.
Offer: Automatic renewal
Compounded quarterly
Rate checked
More details - P&S Credit UnionShare One-Time Bump Certificates 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: Minimum deposit $500. Terms 6 months to 5 years. One time dividend rate increase (bump) allowed during term upon request to the prevailing regular certificate rate of same term length. Not automatically renewed to bump option; at maturity renews to a Regular Certificate of same term length without bump option unless withdrawn during 10-day grace period. Early withdrawal penalty applies. Dividends compounded quarterly, paid at maturity.
Offer: One-time bump option; automatic renewal to regular certificate
Compounded quarterly
Rate checked
More details - Citizens-Farmers BankCertificate of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.89%APY$389 over 1 year on $10,000Requirements
Product: Interest is paid, or compounded, semi-annually. Penalty for early withdrawal.
3.85% interest rate · Effective Oct 16, 2026
Rate checked
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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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