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 1336–1350 of 5,354 results
- Phelps County BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,0003.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - U.P. State Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Dividends may not be withdrawn before maturity.
Rate checked
More details - WESTconsin Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Dividends calculated daily, credited and compounded monthly (or at maturity for 3 Month). Early withdrawal penalties apply. Rates vary by Membership Value Pricing (MVP) level. Minimum deposit $1,000 ($500 for age 16 and younger) unless otherwise stated.
Offer: Silver MVP Level: active checking with 5+ posted transactions/month and minimum $15,000 average monthly household loan/deposit balance. Compounded monthly.
3.74% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Gundersen Credit UnionCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000intro rateRequirements
Product: Dividends calculated from date of issuance to maturity, paid and compounded quarterly. Additional deposits not permitted. Early withdrawal penalty of 180 days worth of interest. Auto-renews for same term unless notified within 10 days after maturity, redemption established at opening, or if special (transfers to deposit account).
Promotional rate · 3.75% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Willis Knighton Federal Credit UnionShare CertificatesCD · 12 months
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Advertised rates are subject to change without notice. Early Withdrawal Penalties May Apply.
Offer: Early Withdrawal Penalties May Apply. Advertised Rates are subject to change without notice.
3.75% interest rate · Effective Sep 30, 2026
Rate checked
More details - First Responders Credit UnionShare Certificate AccountCD · 12 months · $1,000 min · 3.80%–4.06% by balance
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000with conditionsRequirements
Product: Membership required. The minimum balance required to open a Share Certificate Account is $1,000. Early withdrawal penalties apply. Dividends compounded and credited monthly. Jumbo rate applies to members investing $100,000 or more in aggregate Share Certificate Account balances (.25% over Regular Dividend Rate).
Offer: Regular tier. Early withdrawal penalties apply.
Qualified rate · 3.74% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificate Account Balance APY Any balanceYour amount 3.80% $100,000 and up 4.06% Rate checked
More details - Industrial Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Fixed dividend rate for the term of the account. Dividends compounded and paid quarterly. Substantial penalty for early withdrawal. Automatically renews for a term equal to the original at prevailing rate. No setup or maintenance fees.
3.75% interest rate · Effective Oct 2, 2026
Rate checked
More details - FiCare Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 3.80%–4.00% by balance
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Early withdrawal penalties may apply. FiCare offers rate matching with local competitor financial institutions subject to matching terms and requirements.
3.73% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $49,999Your amount 3.80% $50,000 – $99,999 3.90% $100,000 and up 4.00% Rate checked
More details - Consumers Cooperative Federal Credit UnionCertificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Minimum deposit to open is $500. Members may add funds one time during the term of the certificate, and may elect to change the dividend rate and APY one time during the term.
Offer: Dividends compounded quarterly.
3.75% interest rate · Compounded quarterly · Effective Oct 4, 2026
Rate checked
More details - Cornhusker BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: *The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. The withdrawal of interest before maturity will reduce earnings and may reduce the APY. A penalty will be imposed for an early withdrawal. Visit a Cornhusker Bank location to open all additional CD terms.
Rate checked
More details - New Horizons Credit UnionCertificate AccountCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Dividends compounded and credited monthly. Early withdrawal penalties apply (3 months dividend on 2026 schedule). Horizons Heroes members (active first responders, military, physicians, nurses, educators) may receive a 0.25% APY increase. NCUA insured. Membership required.
Offer: Early withdrawal penalty: 3 months dividend. Dividends compounded and credited monthly.
3.73% interest rate · Effective Oct 1, 2026
Rate checked
More details - Electrical Workers 558 Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Assumes dividends are credited monthly. Minimum balance is $500. Substantial penalty for early withdrawal. No deposits allowed after opening until maturity date. Does not renew automatically and will not earn dividends after maturity date unless used to secure a loan. Redeeming before maturity forfeits accrued dividends.
3.74% interest rate
Rate checked
More details - Loudoun Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000intro rateRequirements
Product: On all Certificates: Dividends are calculated on Daily Balance method, compounded and paid Quarterly. $1,000.00 minimum deposit. CD withdrawal penalties: up to 1 year: 90 days interest, over 1 year: 180 days interest. Additional promotions do not apply to 13 month special.
Promotional rate · 3.75% interest rate
Rate checked
More details - Police Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000intro rateRequirements
Product: Start for as little as $500. Flexible terms from 6 to 60 months. Dividends compound monthly. Federally insured up to $250,000.
Promotional rate · 3.74% interest rate
Rate checked
More details - Mid-Atlantic Federal Credit UnionRegular CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Rate tier balance requirements apply.
Offer: 1 Year Regular Certificate.
3.73% interest rate · Effective Oct 1, 2026
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
5,354 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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