Best 1-year CD rates

Requirements

Product: Penalty for early withdrawal. Not available on Business accounts. Special requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant or Piedmont Advantage, a division of Truliant Federal Credit Union.

Offer: Special requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant or Piedmont Advantage, a division of Truliant Federal Credit Union. Not available on Business accounts. Penalty for early withdrawal. Limited time offer.

Requirements

Product: Range of terms available from 3 to 60 months. No opening or maintenance fees. Dividend period, compounding and crediting are quarterly. Rates are determined weekly and dividend rate is fixed for the term after opening. A penalty may be imposed for early withdrawals, excluding earned dividends. APY assumes dividends remain on deposit until maturity. Rates, terms and conditions are subject to change without notice. Fees could reduce earnings. Membership eligibility required. Contact Family Trust Federal Credit Union for complete details. Bump Your Rate Certificate: Once, during the term of the certificate, the dividend rate may be upgraded to match the same product 36 month certificate dividend rate offered at the time of the bump request, which will be fixed for the remainder of the term. To qualify for this certificate, you must have a personal checking account with direct deposit.

Requirements

Product: Minimum opening deposit $250. Rates accurate as of 10/29/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.

Offer: Promotional APY 12-month term

Requirements

Product: Minimum opening deposit $250. Rates accurate as of 10/29/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.

Offer: Non-Promotional APY 12-month term

Requirements

Product: Share certificate for a single deposit. Terms from 3 months to 7 years. Minimum deposit $1,000; no maximum balance. May renew up to 21 days after maturity. Dividends compounded daily, credited monthly. Early withdrawal penalties apply. Rate tables publish APY only for Standard terms.

Offer: $1K minimum APY tier. Single deposit; no maximum balance.

Requirements

Product: Share certificate. Add money any time until maturity; no maximum balance. Multiple certificates allowed. May renew up to 21 days after maturity. Dividends compounded daily, credited monthly. Early withdrawal penalties apply.

Offer: EasyStart Certificate; additional deposits allowed until maturity; no maximum balance.

Requirements

Product: Civic membership required. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Early withdrawal penalty applies (6-11 months = forfeiture of 90 days' dividends; 12-60 months = forfeiture of 180 days' dividends).

Requirements

Product: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.

Offer: For 12-month STCs, interest earned may be paid to the STC at maturity or transferred monthly to another SECU account.

Requirements

Product: $500 minimum to open. Interest rate is fixed for term of CD. Interest is compounded daily. Penalty for early withdrawal. Terms include 6, 12, 18, 24, 36, 48 and 60 months.

Offer: To earn the advertised APY, a minimum balance of $500.00 is required. For a limited time. Substantial penalty for early withdrawal. Offer may be withdrawn at any time without notice.

Requirements

Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.

Requirements

Product: Fixed rate share account. Early withdrawal penalties: 90 days of interest on terms of 12 months or less; 180 days of interest on terms greater than 12 months.

Requirements

Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.

Requirements

Product: Must deposit or maintain minimum required share(s) in a Prime Share Savings account ($5.00 par value). Dividends compounded and credited monthly. Dividends calculated using the average daily balance method. Penalty applies for early withdrawal. Account automatically renews at maturity unless specified otherwise.