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 1186–1200 of 5,354 results
- Illinois State Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$385 over 1 year on $10,000Requirements
Product: Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
3.78% interest rate · Effective Jul 31, 2026
Rate checked
More details - Gulf Coast Federal Credit UnionTerm Share Accounts(C.D.’S)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$385 over 1 year on $10,000Requirements
Product: Dividends are calculated by the average daily balance method and paid monthly. A penalty is imposed for early withdrawal. Requires a minimum balance of $500.
3.78% interest rate · Effective Jul 31, 2026
Rate checked
More details - Susser BankCertificates of Deposit (CD)CD · 12 months · $1,000 min · 3.75%–3.85% by balance
Bank · Add a location to see nearby branches
3.85%APY$385 over 1 year on $10,000Requirements
Product: CD APY assumes principal and interest remain on deposit until maturity. Periodic payout of interest is required (interest earned paid via direct deposit). Penalty for early withdrawal. Rates subject to change without notice.
Offer: Rate for balances ≤ $250,000. APY cannot remain on CD; periodic payout of interest is required.
3.78% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY Up to $250,000Your amount 3.85% $250,000 and upReduced rate applies. 3.75% Rate checked
More details - RECUTerm Share AccountsCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$385 over 1 year on $10,0003.80% interest rate
Rate checked
More details - Iowa State BankCertificate of Deposit (CD)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.84%APY$384 over 1 year on $10,000Requirements
Product: A wide range of terms available (from 1 week to 5 years). Renews automatically upon maturity after a 10 day grace period for terms of 182 days or longer. Early withdrawals subject to penalty. No setup or maintenance fees.
3.80% interest rate
Rate checked
More details - Bradford National BankCompounding Certificate / Certificate of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.84%APY$384 over 1 year on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Semiannual compounding/payment.
3.80% interest rate · Effective Sep 16, 2026
Rate checked
More details - Campus FederalCertificate AccountsCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.83%APY$383 over 1 year on $10,000Requirements
Product: Certificate accounts are subject to substantial penalty for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. Fees could reduce earnings.
Offer: Dividends credited quarterly.
3.78% interest rate · Effective Oct 2, 2026
Rate checked
More details - MECUCertificate of DepositCD · 6–18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APYRequirements
Product: No monthly service fee. Early withdrawal penalty may apply. Automatically renews at maturity with a 10-day grace period.
Offer: Special promotional rate; dividends compounded monthly and must remain on deposit until maturity. May be withdrawn at any time.
Compounded monthly
Rate checked
More details - TrailNorth Federal Credit UnionShare CertificatesCD · 6–12 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY - Mountain Star Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Term Share Certificates are time deposits. Terms are available from 6 months to 3 years. Early withdrawal penalties apply. Opening minimum deposit is $1,000.00 or $2,500.00.
Offer: Dividends paid quarterly. Early withdrawal penalties apply. Requires a minimum deposit of $1,000.00 or $2,500.00.
3.75% interest rate · Effective Dec 1, 2025
Rate checked
More details - Southwest Heritage Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: The minimum balance to open a certificate is $1,000. Interest is paid monthly (by check, deposited to a share account, or added to balance of certificate). Penalty for early withdrawal is 90 days interest for 6 month and 12 month terms; 180 days interest for all other terms. Additional rewards on all Certificates of Deposit: add 0.05% for SWHCU membership longer than 3 years; add 0.05% for E-Statements; add 0.05% for an active loan account.
Offer: Interest paid monthly
3.75% interest rate
Rate checked
More details - Coast Central Credit UnionSavings CertificatesCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APYRequirements
Product: Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned. No monthly service fee.
Offer: Term 12 to 23 months (7300).
3.75% interest rate · Effective Oct 21, 2026
Rate checked
More details - OHecuMonthly Dividend CertificateCD · 12–17 months
Credit union · Add a location to see nearby branches
3.82%APYRequirements
Product: The dividend rate is the same as the rate for the various terms stated in the term share certificate schedule. APY does not apply because the member receives a monthly dividend disbursement. Early withdrawal penalty applies.
Offer: Standard Rate tier. APY does not apply due to monthly dividend disbursement.
3.75% interest rate · Effective Oct 16, 2026
Rate checked
More details - St. James Parish Credit UnionTerm CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Products and services limited to St. James Parish Credit Union members only. Certificates compound and credit dividends monthly. Subject to penalties for early withdrawal. Deposit of new funds limited to $100,000 per member. Rates apply for $25,000 new funds maximum or funds already on deposit.
Offer: Rates for $25,000 new fund maximum or funds already on deposit.
3.75% interest rate · Effective Oct 20, 2026
Rate checked
More details - St. Anthony of Padua FCU12 Month Certificate SpecialCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000intro ratePromotional rate · 3.75% interest rate · Effective Aug 14, 2026
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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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay nationwide
5,354 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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