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 16–30 results
- Gulf Capital BankStandard Certificate of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.65%APY$465 over 1 year on $10,000Requirements
Product: Minimum balance to open is $1,000. For balances of $1,000 – $249,999.99. A penalty will be imposed for early withdrawal. Account auto-renews at maturity with a 10-day grace period.
Offer: Term of 12 Months.
4.55% interest rate · Balance cap $249,999.99 · Effective Aug 3, 2026
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More details - Raymond James BankCertificates of Deposit (CDs)CD · 12 months · $2,000 min
Bank · Add a location to see nearby branches
4.60%APY$460 over 1 year on $10,000Requirements
Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Offer: Purchased through Raymond James brokerage account.
4.50% interest rate · Effective Oct 9, 2026
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More details - Raymond James BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.60%APY$460 over 1 year on $10,000Requirements
Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Offer: Not purchased through Raymond James brokerage account.
4.50% interest rate · Effective Oct 9, 2026
Rate checked
More details - POCU of MarylandHigh Rate CDsCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.59%APY$459 over 1 year on $10,000intro rateRequirements
Product: POCUMD membership is required to open a Certificate of Deposit. Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. Withdrawal of funds before maturity date incurs early withdrawal penalty. Single term only; accounts will not automatically renew at maturity and will not pay dividends after maturity. Insured up to $250,000.
Offer: Limited time only.
Promotional rate · 4.50% interest rate
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More details - CDC Federal Credit UnionRewards CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.59%APY$459 over 1 year on $10,000with conditionsRequirements
Product: Rate depends on certificate term, length of membership tenure, and having an active checking account. Early withdrawal penalty may apply. $1,000 minimum balance to open account.
Offer: Tenure 20+ Yrs; Active Checking: Yes
Qualified rate · 4.50% interest rate
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More details - Belton Federal Credit UnionCDCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.58%APY$458 over 1 year on $10,000Balance cap $20,000
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More details - De Soto Mo Pac Credit UnionShare CertificatesCD · 12 months
Credit union · Add a location to see nearby branches
4.57%APY$457 over 1 year on $10,000Requirements
Offer: 1 year certificate rate stated as 4.50% APR - 4.57% APY.
4.50% interest rate
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More details - Northeast BankPropel Relationship CDsCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.55%APY$455 over 1 year on $10,000with conditionsRequirements
Product: Propel Relationship CD rates include an additional 0.15% APY and are only available when customer opens or already has a Propel Premier Checking Account and Propel Preferred Savings Account. Consumer accounts are available to Maine and New Hampshire residents only. Opening deposit must be new money. Must be opened in a banking center. Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: Requires qualifying Propel Premier Checking and Propel Preferred Savings accounts. Must be opened in a banking center. A minimum daily balance of $0.01 is required to earn the stated APY. Opening deposit must be new money. Early withdrawal penalties may apply.
Qualified rate · 4.46% interest rate · Effective Oct 14, 2026
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More details - Topeka Firemen's Credit UnionShare CertificatesCD · 12 months
Credit union · Add a location to see nearby branches
4.55%APY$455 over 1 year on $10,0004.47% interest rate · Effective Dec 15, 2025
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More details - 4.52%APY$452 over 1 year on $10,000
Requirements
Offer: Branch account with $1,000 minimum deposit
Effective Oct 6, 2026
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More details - Cherokee Strip Credit Union1 Year Sweetheart CDCD · 12 months
Credit union · Add a location to see nearby branches
4.51%APY$451 over 1 year on $10,000Requirements
Product: You may increase the CD rate once during term, to our then-current 1-year rate.
Offer: You may increase the CD rate once during term, to our then-current 1-year rate.
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More details - First Jackson BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$450 over 1 year on $10,000intro rateRequirements
Product: The minimum balance to open an account and obtain the APY is $1000. A penalty may be imposed for early withdrawal.
Offer: 12 Month Certificate of Deposit. APY assumes funds remain on deposit a full year at the listed rate or until maturity, whichever is greater. Penalty for early withdrawal.
Promotional rate · 4.50% interest rate
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More details - Hurricane Creek Federal Credit UnionShared CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$450 over 1 year on $10,000Effective Mar 11, 2026
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More details - Sallie MaeSallie Mae Certificates of DepositCD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.
4.40% interest rate · Effective Oct 22, 2026
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More details - AERO FinancialShare Certificate (CD)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$450 over 1 year on $10,000intro rateRequirements
Product: Start saving with just a $500 minimum opening deposit. Terms from 3 months to 60 months. Dividends compound and credit monthly. Withdrawal of dividends prior to maturity will reduce earnings.
Offer: Dividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.
Promotional rate · 4.41% interest rate · Effective Oct 15, 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