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 271–285 results
- Eastex Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.24%APY$424 over 1 year on $10,000Requirements
Product: Dividends can be compounded quarterly in the share certificate or transferred quarterly to another Eastex account.
4.15% interest rate · Compounded quarterly
Rate checked
More details - Members Trust Federal Credit UnionCertificate AccountsCD · 12 months · $1,000 min · 4.23%–4.44% by balance
Credit union · Add a location to see nearby branches
4.23%APY$423 over 1 year on $10,000Requirements
Product: Share certificates require just $1,000 to open with terms from 6 months (182 days) up to 7 years. If you need to withdraw the money sooner than expected, you won’t lose any of the principal that you invested.
Offer: 1 Year; Min. $1,000 tier
4.15% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 and upYour amount 4.23% $25,000 and upMini-Jumbo tier (Min. $25,000) 4.33% $90,000 and upJumbo tier (Min. $90,000) 4.44% Rate checked
More details - Scott Associates Credit Union IncShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.23%APY$423 over 1 year on $10,000Requirements
Product: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.
Offer: Fourth Qtr Dividend Rates. Rates are subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.
4.15% interest rate
Rate checked
More details - KINGS PEAK CREDIT UNIONShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.23%APY$423 over 1 year on $10,0004.15% interest rate
Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 12 months · $10,000 min
Credit union · Add a location to see nearby branches
4.22%APY$422 over 1 year on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months (once during term). Child CDs for members under 18 may be opened with a minimum of $100.
Offer: Jumbo
4.15% interest rate
Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.22%APY$422 over 1 year on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months (once during term). Child CDs for members under 18 may be opened with a minimum of $100.
4.15% interest rate
Rate checked
More details - Minnesota Valley Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.22%APY$422 over 1 year on $10,000Requirements
Product: Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; over 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days dividend. Fees may reduce earnings.
Offer: Dividends compound quarterly. Early withdrawal penalty of 90 days dividend applies.
4.15% interest rate · Effective Sep 22, 2026
Rate checked
More details - Central Bank UtahCertificates of DepositCD · 12–23 months · $500 min
Bank · Add a location to see nearby branches
4.22%APYRequirements
Product: A minimum deposit of $500.00 is required to open any Certificate of Deposit. A minimum daily balance of $500 is required to earn interest. Penalty may be imposed for early withdrawal.
Offer: Term is 12 Months to 23 Months. Minimum balance $500+ to earn interest.
4.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - Library of Congress Federal Credit UnionShare CertificateCD · 12–17 months · $500 min
Credit union · Add a location to see nearby branches
4.22%APYRequirements
Product: $500 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. Early withdrawal penalty applies. Can be used as security for a LCFCU loan.
Offer: Compounded quarterly
4.15% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Western Nebraska BankCertificates Of DepositCD · 12 months · $250 min
Bank · Add a location to see nearby branches
4.22%APY$422 over 1 year on $10,0004.15% interest rate
Rate checked
More details - Spencerport Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.21%APY$421 over 1 year on $10,000Requirements
Product: Fixed rate account paid until maturity. Dividends compounded and credited quarterly on ledger balance, calculated by daily balance method. Minimum balance to open and obtain APY is $500.00. Early withdrawal penalties apply.
4.15% interest rate · Effective Oct 16, 2026
Rate checked
More details - Evermore BankWe Got Your Back CDCD · 5–15 months · $10,000 min
Bank · Add a location to see nearby branches
4.20%APYwith conditionsRequirements
Product: No withdrawal penalty.
Offer: Requires a qualifying Evermore Bank checking account to open. No withdrawal penalty.
Qualified rate · 4.12% interest rate
Rate checked
More details - Academy BankCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.20%APY$420 over 1 year on $10,000Requirements
Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/23/2026 and subject to change.
Offer: 12-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.
Effective Oct 23, 2026
Rate checked
More details - Synchrony BankCertificate of Deposit (CD)CD · 12 months · $0 min
Bank · Add a location to see nearby branches
4.20%APY$420 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.11% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
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.
4.12% interest rate · Compounded monthly · Effective Oct 13, 2026
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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank