Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 136–150 results
- HSBC USAWealth Center/Telephone Deposit Account CDsCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
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.
Rate checked
More details - HSBC Trust Company (Delaware)HSBC Wealth Center/Telephone Deposit Account APYs: CDsCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Applies to accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Other CD terms and rates are available.
Offer: Minimum balance to obtain APY is more than $0. Opened in Wealth Center or over telephone. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.
Rate checked
More details - Empeople Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.22% interest rate
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More details - Blaze Credit UnionPremium CertificateCD · 12 months · $10,000 min
Credit union · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.23% interest rate · Effective Sep 28, 2026
Rate checked
More details - CFCCUShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000intro rateRequirements
Product: Compounded quarterly. Dividend rates fixed when opened. Penalty for early withdrawal. $1,000 minimum deposit.
Offer: Limited Time Special
Promotional rate · 4.23% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Dow Credit UnionSimple CDsCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Starting minimum deposit of $500. Not eligible for the potential year-end Member Saver Reward. Rates effective 10/01/2026. Terms: 3, 6, 12, 13, 18, 24, 36, 48, 60 months.
Offer: Term: 12 Months
4.22% interest rate · Effective Oct 1, 2026
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More details - Maine Family Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Penalty for early withdrawal: less than 24 months duration is 90 days dividends; 24 months or more duration is 180 days interest. Automatically renews with 7-day grace period. Wisdom Program members (age 60+) receive a 0.10% APY bonus.
4.22% interest rate · Compounded monthly · Effective Sep 30, 2026
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More details - Genesee Regional BankCertificates of Deposit (CDs)CD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000with conditionsRequirements
Product: Deposits are FDIC insured up to $250,000 per depositor. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: 12 Month CD Special. No New Money Required. Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer.
Qualified rate · Balance cap $999,999.99 · Effective Sep 25, 2026
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More details - First National Bank of BangorCertificates of Deposit (CDs)CD · 12 months
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: All CD's earn interest at a fixed rate determined on date of purchase. Substantial penalty for early withdrawal. Automatically renewable at the rate in effect on renewal date. Minimum balance requirements may exist.
4.23% interest rate · Effective Aug 31, 2026
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More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Offer: Rates as of August 27, 2026. APY assumes interest will remain on deposit until maturity. Early withdrawal fees may apply. Minimum balance to obtain APY is $1,000.00.
4.23% interest rate · Effective Aug 27, 2026
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More details - Atkins Savings Bank & TrustCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Interest rates are subject to change without notice. Subject to penalty for early withdrawal on Certificate of Deposits.
Offer: Minimum balance to open and obtain APY is $1,000.
4.25% interest rate · Effective Aug 26, 2026
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More details - First Bank of Central OhioCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Interest is compounded daily and paid monthly (quarterly and annual payment also available). Fixed rate for the term of the certificate. May be set up to automatically renew. Early withdrawal penalties apply.
Offer: Early withdrawal penalty is 90 days. Daily compounding.
4.21% interest rate · Compounded daily · Effective Sep 2, 2026
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More details - Chief Financial Credit UnionSpecial Share CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.29%APY$429 over 1 year on $10,000intro rateRequirements
Product: Federally insured by NCUA up to $250,000. Early withdrawal penalty may apply. Dividends paid monthly. Only new funds eligible for promotional rate.
Offer: Early withdrawal penalty may apply. Only new funds eligible for promotional rate.
Promotional rate · 4.21% interest rate · Effective Oct 1, 2026
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More details - Sterling United FCUTerm Certificate of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.28%APY$428 over 1 year on $10,000Requirements
Product: Early withdrawals are subject to 180 days penalty on earned or unearned dividends. Fees could reduce earnings on the account.
Offer: Early withdrawals are subject to 180 days penalty on earned or unearned dividends.
4.20% interest rate · Effective Oct 15, 2026
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More details - Collegedale Credit UnionTerm Share CertificatesCD · 12 months · $0 min
Credit union · Add a location to see nearby branches
4.28%APY$428 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. NCUA insured up to $250,000. Rates and APY may change after account opening.
Offer: A penalty will be imposed for early withdrawal.
4.20% interest rate · Effective Sep 18, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay nationwide
5,320 CDs at 4,386 banks and credit unions · checked Oct 15–22
- Typical
- 3.30%
- Top 10% from
- 4.05%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.40%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank