Best 1-year CD rates

Requirements

Offer: Branch account with $1,000 minimum deposit

Requirements

Product: Minimum balance to open is $1,000. For balances of $1,000 – $250,000.00. A penalty will be imposed for early withdrawal. Account auto-renews at maturity with a 10-day grace period.

Offer: Term of 12 Months.

Requirements

Product: Available for personal accounts only. Interest calculated and accrued daily based on daily balance and paid monthly. Fixed rate through maturity. Early withdrawal penalty may apply. Preferred Pricing rate increases may apply based on combined relationship balances. Deposit of $1,000 required within 10 business days of opening.

Offer: 12 Months term. No minimum balance requirement to obtain APY.

Requirements

Product: A penalty may be imposed for early withdrawal. APY assumes earnings remain on deposit. Ask us about Bonus Points!

Offer: Minimum average balance to obtain APY is $1,000. A penalty may be imposed for early withdrawal. APY assumes earnings remain on deposit.

Requirements

Product: A penalty may be imposed for early withdrawal.

Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.

Requirements

Product: Fixed rates; renews automatically; substantial penalty for early withdrawal.

Requirements

Product: A penalty may be imposed for early withdrawal. Daily balance method used to calculate interest.

Offer: 12 Month EZ Saver. Interest compounded: Quarterly. Interest credited: Quarterly.

Requirements

Product: Minimum opening deposit is $1,000; maximum opening deposit is $250,000 per CD. Advertised promotional rates are for accounts opened online. Early withdrawal penalties apply. At maturity, CDs automatically renew into the standard CD term closest in length at the then-current standard rate unless instructions are provided during the 7-day grace period. No account fees.

Offer: Promotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity.

Requirements

Product: A penalty may be imposed for early withdrawal.

Offer: Early withdrawal penalty may apply.

Requirements

Offer: Penalties apply for early withdrawals.

Requirements

Product: Minimum to open $1,000. Substantial penalty for early withdrawal. Fees could reduce earnings.

Offer: Automatically renewable. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to three month's interest. Redeemable on day of maturity or within 10 days after without penalty.

Requirements

Product: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.

Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.

2 ways to earn 4.00%

Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.

No minimum: CD rates over $1 million.

From $1,000: No conditions stated.

Requirements

Product: Open to new and existing customers. A penalty for early withdrawal may/will be imposed. Fees may reduce earnings. $1,000 minimum balance required to earn the APY.

Offer: 12-month term. Early withdrawal penalties will/may be imposed.

Requirements

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. Webpage reflects 4.00% APY effective 10/29/2026; PDF rate sheet dated 8/20/2026 reflects 3.85% APY (3.78% interest rate).