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 391–405 results
- National Cooperative Bank12 Month Impact CDCD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,000intro rateRequirements
Product: Can only be opened online; cannot be opened at an NCB branch.
Offer: Requires a minimum daily balance of $2,500.00 to obtain the disclosed APY. Fixed rate until first maturity. Early withdrawal penalty equals 6 months of interest.
Promotional rate · 4.05% interest rate
Rate checked
More details - Complex Community Federal Credit UnionShare CertificatesCD · 12 months · $500 min · 4.13%–4.24% by balance
Credit union · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,000Requirements
Product: Minimum deposit $500, Jumbo $90,000. A 90 day dividends penalty will be imposed for early principal withdrawal. Rate subject to change without notice.
Offer: Members Advantage. A 90 day dividends penalty will be imposed for early principal withdrawal.
4.05% interest rate · Effective Jan 1, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.13% $90,000 and upJumbo. 4.24% Rate checked
More details - Optus BankCertificate of DepositCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.13%APY$413 over 1 year on $10,000with conditionsRequirements
Product: Offered to qualifying new relationship clients only. Minimum deposit of $5,000 required to open and maintain the advertised rate. If the account balance falls below $5,000, the account reverts to the then-current standard rate. Penalty for early withdrawal. Fixed rate for the term of the CD.
Offer: Offered to qualifying new relationship clients only. Minimum deposit of $5,000 required to open and maintain advertised rate. Effective June 1, 2026 through December 31, 2026. Early withdrawal penalty applies.
Qualified rate · 4.05% interest rate · Effective Jun 1, 2026
Rate checked
More details - DeWitt Savings BankCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.12%APY$412 over 1 year on $10,000Requirements
Product: Fixed-rate, fixed-term CDs under $100,000; rates not for public entities; amounts of $100,000 or greater require calling for rates; applicants must be over 18 and reside in Illinois.
Offer: Less than $100,000; min balance to earn APY $1,000.
4.06% interest rate · Effective Oct 6, 2026
Rate checked
More details - Homeland Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.12%APY$412 over 1 year on $10,000Effective Aug 5, 2026
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More details - SunWest Credit Union of ArizonaCertificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.12%APY$412 over 1 year on $10,000Requirements
Product: Dividends paid monthly. Fixed rates in effect for the term of the account. A penalty may be imposed for early withdrawal. Must be a SunWest member to open.
4.04% interest rate
Rate checked
More details - Marquette Savings BankCertificates of DepositCD · 12–17 months · $500 min
Bank · Add a location to see nearby branches
4.11%APYRequirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.
Offer: Interest compounded and credited quarterly for terms of 12 to 60 months. Must maintain a minimum balance of $500 to obtain disclosed APY.
4.05% interest rate · Effective Oct 20, 2026
Rate checked
More details - PSE Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000Requirements
Product: Rates remain fixed for the term of the certificate. Dividends are compounded quarterly. Early withdrawal penalties apply.
Offer: Fixed rate. Dividends compounded quarterly. Early withdrawal penalties apply.
4.05% interest rate · Compounded quarterly · Effective Oct 9, 2026
Rate checked
More details - The Maries County BankRegular CDCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000Requirements
Product: A $1,000 deposit is required to open a regular CD. Interest is paid quarterly and can be compounded, deposited to a checking or savings account, or paid by check. Withdrawals prior to maturity are subject to an early withdrawal penalty. Automatically renewable at normal certificate of deposit rate.
4.05% interest rate · Effective Sep 8, 2026
Rate checked
More details - Security First BankTraditional Time Deposit AccountsCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000Requirements
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Early withdrawal penalty applies.
Effective Oct 5, 2026
Rate checked
More details - Affinity First Federal Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000Requirements
Product: $500.00 minimum required. AFFCU membership required. Rates are subject to change.
Effective Oct 1, 2026
Rate checked
More details - US Community Credit Union12 Month (Quarterly) Certificate SpecialCD · 12 months · $2,500 min · 4.11%–4.17% by balance
Credit union · Add a location to see nearby branches
4.11%APY$411 over 1 year on $10,000intro rateRequirements
Product: Must be opened with New Money only (money not on deposit at US Community Credit Union within prior 6 months). Non-members must join and open share account with $5 minimum deposit. Rate available until first maturity. Early withdrawal penalty. Limited time only.
Offer: Regular 12 Month (Quarterly) Certificate Special. New money required. Special rate only available until first maturity.
Promotional rate · Effective Sep 11, 2026
Rate by balance
Rate by balance for 12 Month (Quarterly) Certificate Special Balance APY $2,500 – $250,000Your amount 4.11% $250,000 – $500,000Jumbo 12 Month (Quarterly) Certificate Special. 4.17% Rate checked
More details - Farmers Trust & Savings BankCertificate of DepositCD · 7–18 months · $5,000 min
Bank · Add a location to see nearby branches
4.10%APYRequirements
Offer: $5,000 minimum deposit to open and earn APY. Early withdrawal penalties may apply. At maturity: 7 or 8 month term renews automatically to 6 month term; 9-11 month renews to 9 month; 12-17 month renews to 12 month; 18 month renews to 18 month.
4.04% interest rate · Effective Oct 20, 2026
Rate checked
More details - CoastLife Credit UnionCDCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
4.02% interest rate
Rate checked
More details - MC Federal Credit UnionRegular Share CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: MC Federal Credit Union membership is required. Early withdrawal will incur a penalty. Fees may reduce earnings. Joint owners may be added. Special Relationship qualification adds 0.10% APY for Members Advantage (Primary Member aged 60+), Loyalty (Checking with debit card and direct deposit), or Premium ($50,000+ existing deposits).
Offer: Special Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits)
4.04% interest rate · Balance cap $49,999 · Effective Oct 21, 2026
Rate checked
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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
5,321 CDs at 4,376 banks and credit unions · checked Oct 22–23
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.45%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank