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 1096–1110 of 5,353 results
- Bradford National BankCompounding Certificate / Certificate of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Monthly compounding/payment available on deposits over $10,000.00.
3.80% interest rate · Effective Sep 16, 2026
Rate checked
More details - Member Preferred 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: Minimum Certificate balance is $500.00. Early withdrawal penalty is 90 days for 12 month term and less, 180 days for over 12 month terms.
3.80% interest rate · Effective Jan 1, 2026
Rate checked
More details - City Credit UnionCertificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$387 over 1 year on $10,000Requirements
Product: Rates reflect Annual Percentage Rate (APR). Early withdrawal penalties generally apply. Insured by NCUA up to $250,000.
Offer: Minimum balance $500.
3.80% interest rate · Effective Jan 1, 2026
Rate checked
More details - Santa Fe Federal Credit UnionCertificates of DepositCD · 12 months · $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 Sep 29, 2026
Rate checked
More details - ARC 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: Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
Offer: Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
3.80% interest rate
Rate checked
More details - True Sky Federal Credit UnionCertificate of Deposit (CD)CD · 7–12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.86%APYRequirements
Product: The APY assumes dividends are compounded quarterly and will remain on deposit until maturity. Fees may reduce earnings.
3.79% interest rate · Compounded quarterly
Rate checked
More details - True Sky Federal Credit UnionShare CertificateCD · 7–12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.86%APYintro rateRequirements
Product: Most certificate accounts require a minimum investment of $500. Early withdrawal penalty may apply. NCUA insured. Minimum deposit of $1,000 required max of $100,000 for APY rate accuracy terms. New money only.
Promotional rate · 3.79% interest rate
Rate checked
More details - Virginia Credit UnionSavings CertificatesCD · 12 months · $500 min · 3.85%–4.05% by balance
Credit union · Add a location to see nearby branches
3.86%APY$386 over 1 year on $10,000Requirements
Product: Limited to a single, one-time deposit with a term limit of 5 years (except 6 or 12 month certificates which allow ongoing contributions/add-on deposits). Early withdrawal penalty may apply. Minimum opening deposit $500.
Offer: Compounding frequency: Quarterly. Early withdrawal penalty may apply. For certificates of $50,000 or more desiring add-on feature, contact VACU for rates.
3.80% interest rate
Rate by balance
Rate by balance for Savings Certificates Balance APY $500 – $5,000 3.85% $5,000 – $50,000Your amountCompounding frequency: Monthly. 3.86% $50,000 – $100,000Compounding frequency: Monthly. 3.95% $100,000 and upCompounding frequency: Monthly. 4.05% Rate checked
More details - Central Maine FCUFixed-Rate Share CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.86%APY$386 over 1 year on $10,000with conditionsRequirements
Product: Membership requires a $10.00 membership share account ($25 stated on product overview). Rate premium of 10 basis points available if balance at opening is $250,000 or greater (or for Member's Choice program); maximum combined rate premium up to 20 basis points. Early withdrawal penalty applies.
Qualified rate · 3.80% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bangor Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.86%APY$386 over 1 year on $10,000Requirements
Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
3.80% interest rate · Effective Oct 6, 2026
Rate checked
More details - Ascension Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.86%APY$386 over 1 year on $10,000Requirements
Product: Minimum deposit amount of $500.00. Early withdrawals are subject to penalty. Subject to membership eligibility.
3.79% interest rate
Rate checked
More details - Harbor Pointe Credit UnionShare CertificatesCD · 12 months · $1,000 min · 3.86%–4.06% by balance
Credit union · Add a location to see nearby branches
3.86%APY$386 over 1 year on $10,000intro rateRequirements
Product: Membership eligibility required. Insured by NCUA up to $250,000.
Offer: Superior Rewards rate (+0.50% over standard rate). Requires a checking account with 10 debits or more per month OR 5 debits and a direct deposit of $300+ monthly. Dividends compound quarterly. Early withdrawal may result in 180 days loss of interest.
Promotional rate · 3.80% interest rate · Effective Aug 4, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $100,000Your amount 3.86% $100,000 – $250,000 3.96% $250,000 and up 4.06% Rate checked
More details - Maple Federal Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$385 over 1 year on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalties may be up to 90 days dividends depending on certificate term.
3.80% interest rate · Compounded quarterly · Effective Oct 19, 2026
Rate checked
More details - DESERTVIEWOne Year CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$385 over 1 year on $10,000Requirements
Product: Additional deposits: Not Allowed. Renewable: Automatic. Withdrawals: Allowed--Ask Credit Union. Dividend Compounded: Quarterly. Dividend Credited: Quarterly. Dividend Period: At Maturity.
Offer: Withdrawals: Allowed--Ask Credit Union. Additional Deposits: Not Allowed. Renewable: Automatic. Dividend Compounded: Quarterly. Dividend Credited: Quarterly. Dividend Period: At Maturity.
3.80% interest rate · Effective May 24, 2019
Rate checked
More details - Eagle BankCertificates of Deposit (CDs)CD · 6–16 months · $10,000 min
Bank · Add a location to see nearby branches
3.85%APYRequirements
Product: Minimum deposit to open the CD and obtain the APY is $500. Signature Banking Customers receive an increase of 0.10% on all new and renewed CDs. Combo CDs are offered to those customers who have an existing Eagle Bank checking account.
Offer: 6-16 Month CD/IRA Special accounts are available during a special promotion period only. Minimum deposit is $10,000. A penalty will be imposed for withdrawals before maturity. CDs will automatically renew at a 12-month term at the regular 12-month CD rate being offered by the Bank at the time of renewal.
3.78% interest rate · Effective Sep 24, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay nationwide
5,353 CDs at 4,382 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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