Best 1-year CD rates

Requirements

Product: Available online only. Minimum opening deposit $1,000; maximum opening deposit $5,000,000. Eligibility: current U.S. home address (includes Puerto Rico, excludes other territories), valid SSN, and age 18+. Early withdrawal penalty of 30 days simple interest applies unless waived due to death/incompetence with documentation.

Offer: Interest compounds and credits monthly.

Requirements

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.

Requirements

Product: Minimum balance to open and obtain APY is $500.

Requirements

Product: Available for consumer deposits only. Interest is compounded and credited quarterly. Daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.

Offer: Relationship CD: requires Direct Deposit Checking.

Requirements

Product: Available to Florida residents. Minimum opening deposit $1,000. Early withdrawal penalty may apply.

Offer: Available to Florida residents. Early withdrawal penalty may apply. Rate accurate as of October 8, 2026.

Requirements

Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.

Requirements

Product: Maturity terms range from 91 days to 5 years. Additional deposits not accepted during the term. The certificate may be increased at the time of maturity or renewal. Renews for the same term at the interest rate in effect at maturity if not redeemed. Interest earned may be added back, paid by check, or deposited in checking/savings. 10-day grace period after maturity date. Early withdrawal penalty applies. Online accounts do not qualify for Class Act Club special interest rate increases.

Offer: 12 Month term

Requirements

Product: $500 minimum deposit. Annual Percentage Yield (APY) is compounded quarterly (except 182-day CD). A penalty may be imposed for early withdrawal. Accounts closed within the first 90 days are subject to a $25 service charge.

Offer: APY is compounded quarterly. A penalty may be imposed for early withdrawal.

Requirements

Product: Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal of principal. Fees may reduce earnings.

Offer: Minimum to open $500; penalty may be imposed for early withdrawal.

Requirements

Product: Available for consumer deposits only. Interest is compounded and credited quarterly. Daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.

Offer: Standard CD rate.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: Minimum opening deposit $1,000. Early withdrawal penalty may apply (excludes 6 Month CD).

Offer: Penalty may be imposed for early withdrawal.

Requirements

Product: Certificates may be issued for terms other than listed above. Interest for certificates issued for terms other than listed will be paid at the rate for the nearest lower term. The Annual Percentage Yield on all Time Certificates is figured on a compounding quarterly basis for a 12-month period of time. This yield will fluctuate when compounding at a different interval or for any lesser time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

Product: CD terms available between 7 days - 60 months. Early withdrawal penalties may be imposed. Fees could reduce earnings. Subject to Northpointe Bank approval.