Best 1-year CD rates

Requirements

Offer: Branch account with $1,000 minimum deposit

Requirements

Product: Must be at least 18 years old, a U.S. citizen or lawful permanent resident with a U.S. physical address and U.S.-based mobile phone number. No minimum deposit required to open or maintain account, but account balance may not exceed $1,000,000. No monthly cycle service charge. Early withdrawal penalty applies (3 months interest for terms 12 months or less; 6 months interest for terms over 12 months).

Offer: For terms 12 months or less, early withdrawal penalty is 3 months of interest. Rate applies to entire account balance.

Requirements

Product: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Offer: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.

Requirements

Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.

Requirements

Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.

Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.

Requirements

Product: Minimum deposit to open is $1,000. Dividends are compounded daily and paid monthly. Early withdrawal penalty applies.

Offer: Compounded daily, paid monthly. Penalty for early withdrawal.

Requirements

Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.

Offer: Dividends credited/compounded monthly.

Requirements

Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.

Offer: Dividends credited/compounded 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 to the initial term at the then-current standard rate unless instructions are provided during the 7-day grace period. Account fees may reduce earnings.

Offer: Promotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity. APY accurate as of 2026-11-06.

Requirements

Product: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.

Offer: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.

Requirements

Product: High-Yield Rewards Checking Account required.

Offer: High-Yield Rewards Checking Account required.

Requirements

Product: Open to new and existing members (non-members must qualify for MPFCU membership and open a Regular Share Savings Account with $25 minimum opening deposit). Opening deposit must be funds not already with Member Preferred FCU. Minimum $2,500 deposit required to open and earn APY. Allows 1 additional deposit ($500 minimum) per calendar month (up to 11 deposits per term) and 1 penalty-free withdrawal ($500 minimum) per calendar month. Withdrawals cannot reduce certificate balance below $2,500 or 50% (or 60% in disclosures) of original opening deposit, whichever is greater.

Offer: Promotional rate and APY for 12 months term. Minimum deposit $2,500 required to open and earn APY.

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: One of the following options may be used one time during term: bump up the CD rate to the new rate posted for the Flex CD, when rates have increased (requires adding a minimum 10% of original CD balance at the time of the rate-bump), add money to existing CD (minimum of $500), or withdraw up to 25% of the balance without penalty, however, minimum balance must be kept.

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.