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 1081–1095 of 5,351 results
- 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
More details - Hudson Valley Credit UnionFlex Certificate AccountCD · 12 months · $750 min
Credit union · Add a location to see nearby branches
3.88%APY$388 over 1 year on $10,000Requirements
Product: Variable APY based on Effective Federal Funds Rate (EFFR) in effect on the last Thursday of each quarter. Minimum opening balance $750. APY effective as of 10/1/26.
Offer: Base rate.
3.80% 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
3.88%APY$388 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 monthly or quarterly.
3.88% interest rate · Effective Oct 5, 2026
Rate checked
More details - Auburn University Credit UnionShare CertificatesCD · 12 months · $2,500 min · 3.88%–3.98% by balance
Credit union · Add a location to see nearby branches
3.88%APY$388 over 1 year on $10,000intro 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 Early withdrawal penalty: for less than 18 months, forfeiture of all dividends on amount withdrawn for 90 days; for greater than 18 months, forfeiture of all dividends on amount withdrawn for 180 days.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: Term: 365 Days; Compound Period: Maturity
Promotional rate · 3.88% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 and upYour amount 3.88% $100,000 and upJumbo Rate ($100,000+ Deposit); 3.98% Rate checked
More details - Kelly Community Federal Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,0003.80% interest rate
Rate checked
More details - Cherokee County Teachers Federal Credit UnionCertificatesCD · 12 months · $5,000 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,0003.80% interest rate · Effective Oct 21, 2025
Rate checked
More details - Harris County Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000Requirements
Product: Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
Effective Oct 23, 2026
Rate checked
More details - Harris County Federal Credit UnionPayroll Deduction CertificateCD · 12 months · $105 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000Requirements
Product: Funded via payroll deduction ($35.00 – $105.00 per pay period). Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
Effective Oct 23, 2026
Rate checked
More details - Journey Credit UnionCertificatesCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,0003.80% interest rate · Effective Oct 21, 2026
Rate checked
More details - LibertyOne Credit UnionRegular CDCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000intro rateRequirements
Product: 5-Star Member rates are 1% higher. Step Up rate once during the term for a nominal fee.
Offer: 5-Star Member rates are 1% higher; Step Up rate once during the term for a nominal fee.
Promotional rate · 3.80% interest rate
Rate checked
More details - Fortress Federal Credit UnionCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000Requirements
Product: Share certificates subject to early withdrawal penalty (forfeit 90 days dividend). A minimum of $1,000 is required to open a share certificate. Dividends can be compounded monthly and are available monthly or at maturity depending on member desire.
Offer: Share Certificates subject to early withdrawal penalty: forfeit 90 days dividend.
3.80% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Homebase Credit UnionShare CertificateCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000Requirements
Product: Requires membership with a non-refundable $1 joining fee and $25 refundable savings deposit. A minimum balance of $2,500.00 is required to open and earn dividends. Early withdrawal penalty is 180 days of dividends.
Offer: Early withdrawal penalty is 180 days of dividends.
3.80% interest rate · Effective Oct 15, 2026
Rate checked
More details - Seaboard Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000Requirements
Product: Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.
3.80% interest rate · Effective Oct 7, 2026
Rate checked
More details - Mobility Credit UnionRate Climber CertificateCD · 12 months · $5,000 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000intro rateRequirements
Product: Minimum deposit amount of $5,000.00. Only one rate increase is allowed for the term of the CD. Rate climber feature does not apply to existing certificates. Early withdrawal penalty may apply. Minimum balance of $100.00 required to earn dividends.
Offer: Only one rate increase is allowed for the term of the CD.
Promotional rate · 3.80% interest rate · Effective Sep 17, 2026
Rate checked
More details - Del Norte Credit UnionCertificatesCD · 12 months · $1,000 min · 3.82%–3.92% by balance
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.
Promotional rate · 3.75% interest rate · Compounded daily · Effective Oct 3, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 3.82% $10,000 and upYour amount 3.87% $100,000 and up 3.92% 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
5,351 CDs at 4,380 banks and credit unions · checked Oct 22–25
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.06%
- Credit unions, typical
- 3.40%
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