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 166–180 results
- BrightStar Credit UnionCertificatesCD · 6–12 months
Credit union · Add a location to see nearby branches
4.25%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 6 months (180-364 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.
Qualified rate · 4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - MyPoint Credit UnionMyTerm CDCD · 9–60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APYintro rateRequirements
Product: Membership required. New money only. Member selects term between 9 and 60 months at opening. At maturity, automatically converts to a non-promotional 1-year Share Certificate. Early withdrawal penalties apply. No liquid option.
Offer: New money only. Member selects term between 9 and 60 months at opening. Dividend paid monthly.
Promotional rate · 4.16% interest rate · Effective Sep 15, 2026
Rate checked
More details - Lindell BankSpecial Certificates of DepositCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Offer: Quarterly compounding
4.18% interest rate · Effective Oct 21, 2026
Rate checked
More details - MRV BanksCertificate of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Fixed interest rate and maturity date. Terms range from 3 months to 5 years. Interest is compounded quarterly and secured for the life of the term. CDs with terms of 12 months or more can be opened online; all terms available in branch.
Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Compounded quarterly · Effective Oct 22, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Minimum balance to open and obtain APY is $500.
4.18% interest rate · Effective Oct 16, 2026
Rate checked
More details - iTHINK FinancialPick Your Term CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Limited-time promotion. Choose a 3, 6, 9 or 12-month term. Promotional certificates that automatically renew will earn the applicable standard rate. Rates fixed for full term. Minimum opening deposit $1,000.
Offer: Limited-time promotional certificate. Choose a 3, 6, 9 or 12-month term. Promotional certificates that automatically renew earn the applicable standard rate.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - First Oklahoma BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Early withdrawal penalties may apply. Terms range from 6 months to 5 years. Can open 6, 12, and 24-month CDs up to $250,000 online; other terms/amounts call 918.392.2500.
Offer: Minimum balance to open and obtain APY is $1,000. Early withdrawal penalties may apply. Open up to $250,000 online.
Effective Oct 22, 2026
Rate checked
More details - Reading Cooperative BankCertificate of Deposit AccountsCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Fixed-rate CD. Terms from 6 months to 5 years. Early withdrawal penalties may be imposed. Maximum online deposit of $500,000.00 for certain terms. Monthly maintenance fee: No.
Offer: Interest compounds daily on a 365-day basis.
Promotional rate · 4.16% interest rate · Effective Oct 21, 2026
Rate checked
More details - Everett BankCertificate of Deposit - SpecialCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Fixed rate term Certificate of Deposits accounts, rates are guaranteed for the length of the term. APY is based on principal and interest remaining in the account for a period of one year. Penalty may be imposed for early withdrawal. For consumer accounts only.
Offer: APY is based on principal and interest remaining in the account for a period of one year. Penalty may be imposed for early withdrawal. Automatically renews at maturity to a 12-Month Certificate unless the customer chooses another product.
Promotional rate · 4.17% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
Rate checked
More details - Educational Systems Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Standard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed.
Promotional rate · 4.18% interest rate · Effective Oct 19, 2026
Rate checked
More details - Montana Educators' Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
Effective Jan 22, 2026
Rate checked
More details - RIM Country FCUShare CertificateCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: All rates subject to change without notice. Fee for early withdrawal: $10.00, in addition up to 30 days of interest may be forfeited.
Offer: New Certificates
Promotional rate · 4.25% interest rate · Effective Sep 24, 2026
Rate checked
More details - City First BankCertificates of Deposit (CD) (Retail/Consumer Only)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.
4.16% interest rate · Effective Oct 16, 2026
Rate checked
More details - PrimeWay Federal Credit UnionWealthBuilder CertificateCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Additional deposits allowed. Early withdrawal penalty of 120 days interest. At maturity, certificates with balances of $1,000 or more will renew as a standard 12-month certificate; balances under $1,000 renew as WealthBuilder certificates. Cannot be pledged as security for a loan.
Offer: Effective date 10/05/2026
4.17% interest rate
Rate checked
More details
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
5,317 CDs at 4,380 banks and credit unions · checked Oct 16–23
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.41%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank