Best 1-year CD rates

Requirements

Product: Minimum opening deposit of $100. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. APY applies to the initial term of a new Certificate of Deposit.

Offer: 12 Month Fixed Rate. A penalty may be imposed for early withdrawal.

Requirements

Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.

Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.

Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.

Offer: Opened in Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.

Requirements

Product: Alaska Air Group Credit Union membership required to open account. Early withdrawal penalties apply.

Offer: Early withdrawal penalties may apply. No monthly service fees.

Requirements

Product: Maximum opening balance cannot exceed $240,000 per account. Early withdrawal penalty may apply. Relationship APY requires opening and actively using a consumer or business checking account.

Offer: Relationship rate for 1-Year CD; requires an open and actively used consumer or business checking account.

Requirements

Product: Available nationwide. $1,000 minimum deposit to open. Interest is compounded daily and credited quarterly. Penalty assessed for early withdrawal: 90 days interest for terms less than or equal to 12 months, and 180 days interest for terms over 12 months.

Requirements

Product: Interest is compounded daily. APY assumes interest remains on deposit until maturity. Subject to early withdrawal penalties.

Offer: Interest compounded daily; early withdrawal penalties apply.

Requirements

Product: Open with as little as $500 at branch locations. Early withdrawal penalties may apply.

Offer: Promotional APY effective as of October 20, 2026 and subject to change without notice. $500 minimum to open account and earn APY. Early withdrawal penalty may apply.

Requirements

Product: For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.

Requirements

Product: No setup fees. Minimum initial deposit is $1,000.

Offer: Tax Deferred Certificate. Compounding at maturity. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends).

Requirements

Product: Interest is compounded and paid monthly using the daily balance method. Automatic renewal at maturity with a 10-day grace period. Early withdrawal penalties apply.

Offer: Wave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity).

Requirements

Product: Open a certificate with as little as $500. Early withdrawal penalties apply.

Offer: Early withdrawal penalty applies.

Requirements

Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.

Requirements

Product: Effective as of October 29th, 2026. $1,000 minimum deposit to open a CD. All rates are subject to change without notice. APY* – Annual Percentage Yield. Early withdrawal penalty will reduce earnings on the account. Your account will automatically renew as stated on your Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Our Bump Eligible certificates allow members to choose once during the term of the certificate to bump their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.

Offer: Effective as of October 29th, 2026. Minimum deposit $1,000.