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 121–135 results
- Artesia Credit UnionShare CertificatesCD · 12 months · $5,000 min
Credit union · Add a location to see nearby branches
4.32%APY$432 over 1 year on $10,000Requirements
Product: Dividends are compounded daily and applied quarterly. $5,000.00 minimum deposit. Early withdrawal penalty: 90 days. Certificates which are automatically renewed will receive the rate in effect on the renewal date. Fees could reduce earnings.
Offer: Early withdrawal penalty: 90 days.
4.25% interest rate · Compounded daily · Effective Apr 1, 2025
Rate checked
More details - IRFCUTerm Share CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.32%APY$432 over 1 year on $10,000Requirements
Product: Interest is calculated on an average daily method and paid at maturity. Choose to have interest added to balance, transferred to another IRFCU account, or paid by check.
4.25% interest rate · Effective Oct 1, 2025
Rate checked
More details - Children's Medical Center Federal Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.31%APY$431 over 1 year on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 each day to obtain disclosed APY. Compounded daily, credited quarterly. Early withdrawal penalty applies.
4.30% interest rate · Compounded daily · Effective Jan 25, 2024
Rate checked
More details - Bank of UtahCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Must be 18 years of age or older. Daily balance method used to calculate interest. Interest compounded and credited quarterly on terms of 1 year or more, and at maturity on terms of less than 1 year. Early withdrawal penalty applies.
Offer: 1 Year term. Open online or in branch.
4.23% interest rate · Effective Oct 21, 2026
Rate checked
More details - Bank of UtahSuper Saver Certificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Allows subsequent deposits during the 1-year term. No monthly maintenance fee attached. Interest compounded and credited quarterly. Early withdrawal penalty applies.
Offer: 1 Year term. Open online or in branch. Allows additional deposits throughout the term.
4.20% interest rate · Effective Oct 21, 2026
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More details - Home Savings BankCertificate of DepositCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: No service fees. In branch opening option available. Interest compounded daily.
4.21% interest rate · Compounded daily · Effective Oct 22, 2026
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More details - Home Savings BankInternet Certificate of DepositCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Online opening only. Opening deposit $10,000 - $250,000. Limited to Individual or Joint Ownership (beneficiaries allowed). Online statements only. No service fees.
Offer: Each Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application.
4.21% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
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More details - Educational Systems Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Star Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible.
Promotional rate · 4.23% interest rate · Effective Oct 19, 2026
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More details - Alliant Credit UnionCertificateCD · 12–17 months · $1,000 min · 4.30%–4.35% by balance
Credit union · Add a location to see nearby branches
4.30%APYRequirements
Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
4.22% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $75,000Your amount 4.30% $75,000 and upJumbo Share Certificate tier. 4.35% Rate checked
More details - Flagstar BankCertificates of Deposit (CD)CD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000intro rateRequirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
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More details - Midwest HeritageCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000intro rateRequirements
Product: Offer limited to new, consumer certificates only. Early withdrawal penalty may be imposed. Fees may reduce earnings.
Offer: Minimum balance to obtain Annual Percentage Yield (APY) is $1,000. Offer limited to new, consumer certificates only.
Promotional rate · 4.30% interest rate · Effective Oct 9, 2026
Rate checked
More details - Co-op Credit UnionShare CertificatesCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Early withdrawal penalty applies. Dividends calculated and paid quarterly. Minimum opening deposit $100.
4.23% interest rate · Effective Oct 9, 2026
Rate checked
More details - Mid-America BankCertificate of Deposit (CD)CD · 12 months · $500 min · 4.30%–4.55% by balance
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Tiered rates; special/jumbo rate available for certificate balances $250,000 & above when additional qualifications are met.
Offer: Standard rate; 1 Year CD
4.25% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY Any balanceYour amount 4.30% $250,000 and up 4.55% Rate checked
More details - BrightStar Credit UnionCertificatesCD · 12–24 months
Credit union · Add a location to see nearby branches
4.30%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 1 year (365-730 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.
Qualified rate · 4.22% interest rate · Effective Oct 15, 2026
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More details - HSBC USAOnline Certificate of Deposit (CD)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000with conditionsRequirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.
Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Qualified rate
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
5,320 CDs at 4,386 banks and credit unions · checked Oct 15–22
- Typical
- 3.30%
- Top 10% from
- 4.05%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.40%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank