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 316–330 results
- 1st Security BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.17%APY$417 over 1 year on $10,000with conditionsRequirements
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.
Qualified rate · Balance cap $240,000 · Effective Oct 13, 2026
Rate checked
More details - Freedom Credit UnionCertificate AccountCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.17%APY$417 over 1 year on $10,000Requirements
Product: Membership in Freedom Credit Union required ($5 minimum savings account balance). Minimum deposit of $500 ($250 for Youth CD - 25 or younger). Early withdrawal penalty applies. Dividends calculated by actual daily balance method and paid monthly.
Offer: $250 minimum opening deposit for Youth CD (25 or younger).
4.10% interest rate · Effective Oct 7, 2026
Rate checked
More details - All In Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
Offer: 12 Month Variable
4.08% interest rate · Effective Oct 9, 2026
Rate checked
More details - Regional Missouri BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min · 4.16%–4.32% by balance
Bank · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Fixed rate for initial term. Penalty for early withdrawal may apply; early withdrawal fees may reduce earnings and could reduce principal deposit. No setup or maintenance fees.
Offer: APY assumes quarterly compounding of interest. Early withdrawal penalty for 1 to 3-year maturity is 180 days interest.
4.10% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 4.16% $50,000 and upJumbo CD. 4.32% Rate checked
More details - Farmers & Merchants BankCertificates of Deposit (CDs)CD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Penalty with early withdrawal. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings.
Offer: Penalty for early withdrawal.
4.10% interest rate · Effective Jun 22, 2026
Rate checked
More details - Federated Employees Credit UnionTerm Share CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - New Albin Savings BankCertificates of DepositCD · 12 months · $1,000 min · 4.16%–4.27% by balance
Bank · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Available terms range from 3 months to 5 years. Minimum balance to open a certificate is $1,000. Interest compounded and credited quarterly, semi-annually, or annually. Penalty for early withdrawal. APY based on quarterly compounding.
Offer: Penalty for early withdrawal. APY based on quarterly compounding.
4.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 4.16% $100,000 and up 4.27% Rate checked
More details - Valley Credit UnionCertificates (CD)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Minimum deposit of $500 to earn stated APY. Dividends calculated based on average daily balance, compounded and credited quarterly. Option of receiving dividends paid monthly by check or deposit into designated VCU account. Early withdrawal penalties may apply.
4.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - Central Willamette Credit UnionFlex 12 CDxCD · 12 months · $750 min
Credit union · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000intro rateRequirements
Product: Variable dividend rate and APY effective 10/01/2026 through 12/31/2026. Rate is market-linked, determined by the 3-month Treasury Bill auction investment rate on or about the 26th day of the last month of each quarter, effective on the first business day of the next quarter. Minimum opening deposit is $750. Subsequent deposits can be added at a minimum of $2,500 or more per deposit at any time. Early withdrawal penalty applies.
Offer: Variable rate based on 3-Month Treasury Bill. Minimum opening deposit $750; subsequent deposits $2,500 or more.
Promotional rate · 4.08% interest rate · Effective Oct 1, 2026
Rate checked
More details - Lauderdale County Teachers Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.16%APY$416 over 1 year on $10,000Requirements
Product: Rates subject to change. Please contact the credit union to confirm the most current rate.
4.10% interest rate · Effective Mar 12, 2025
Rate checked
More details - Miami Firefighters Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,0004.07% interest rate · Effective Oct 22, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Effective Oct 22, 2026
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More details - Langley Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Requires $5 deposit to Langley savings account for membership. Early withdrawal penalties apply (90 days dividends for 3-6 months, 180 days dividends for 12 months or greater). Dividends compound monthly.
4.07% interest rate
Rate checked
More details - North Valley BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.
Offer: APY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first.
4.15% interest rate · Effective Oct 16, 2026
Rate checked
More details - Railway Credit UnionCD InvestmentsCD · 12 months · $2,000 min
Credit union · Add a location to see nearby branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: $2,000 minimum. Rates advertised as high as. Effective October 7, 2026.
Offer: CD Specials. $2,000 minimum. Effective October 7, 2026.
4.08% interest rate · Effective Oct 7, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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