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 451–465 results
- First Bank HamptonCertificates of Time DepositCD · 12 months · $1,000 min · 4.00%–4.20% by balance
Bank · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Low opening deposit of $1,000. Receive reminders before maturity and automatic renewals.
Offer: Interest compounded quarterly. Early withdrawal penalties may apply: 12 months and under maturity is 9 months interest.
3.94% interest rate · Compounded quarterly · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Time Deposit Balance APY $1,000 – $7,500 4.00% $7,500 – $100,000Your amount 4.10% $100,000 and up 4.20% Rate checked
More details - Towpath CUTerm 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: Fixed-rate term account. Early withdrawal penalties apply. Dividends are forfeited if account is closed before accrued dividends are credited. Minimum balance to earn dividends is $500.
Offer: Early withdrawal penalties apply. Dividends forfeited if closed prior to crediting.
Rate checked
More details - GHS FCUShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. Federally insured by NCUA up to $250,000. Interest compounded monthly, paid by check, or transferred to another GHS FCU account; certificate must compound and interest must accrue in the account to earn stated APY. Early withdrawal penalties apply (90 days of interest if open < 12 months, 180 days of interest if >= 12 months). Automatically renews upon maturity.
Offer: Special limited-time promotional rate available September 1 through November 1, 2026. Minimum average daily balance of $500.00.
4.02% interest rate · Compounded monthly
Rate checked
More details - Cabot CCUCertificates of DepositCD · 12 months · $5,000 min
Credit union · Add a location to see nearby branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: All new CDs will be quarterly transfer of interest to savings account.
Offer: Quarterly transfer of interest to savings account.
Effective Jan 1, 2026
Rate checked
More details - Voyage Federal Credit UnionShare CertificateCD · 12 months · $500 min · 4.04%–4.09% by balance
Credit union · Add a location to see nearby branches
4.09%APY$409 over 1 year on $10,000Requirements
Product: Disclosures * $500.00 minimum. Rates are based on qualifications and all rates shown are APY (Annual Percentage Yield) which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request, and will be provided at account opening.
3.97% interest rate · Effective Oct 30, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $10,000 4.04% $10,000 and upYour amount 4.09% Rate checked
More details - 4.09%APY$409 over 1 year on $10,000
Requirements
Product: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
Offer: Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Rate may not be bumped until six months after the open date of the CD. Interest is compounded monthly and credited monthly.
4.02% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - Railroad Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Offer: Compounded daily.
4.00% interest rate · Compounded daily · Effective May 1, 2026
Rate checked
More details - CommonCents CUCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: Regular Share Savings Account required for all CCCU accounts. NCUA insured. Penalty for early withdrawal may apply.
4.00% interest rate
Rate checked
More details - Duke Credit UnionShare CertificateCD · 6–12 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APYRequirements
Product: Early withdrawals are subject to loss of dividends up to 90 days. Certificate rates are fixed for the certificate term and automatically renewed at maturity date unless prior notice is given.
Offer: Early withdrawals are subject to loss of dividends up to 90 days.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Morris Sheppard Texarkana FCUCertificates of DepositCD · 6–24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY4.00% interest rate
Rate checked
More details - Florida West Coast CUCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: Penalties for early withdrawal of principal. Deposits insured up to $250,000.00.
4.00% interest rate · Effective Oct 22, 2026
Rate checked
More details - CUP Federal Credit UnionShare CDCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Offer: When paid: Quarterly. Early withdrawal penalty: 3 mo int.
4.00% interest rate · Effective Sep 15, 2026
Rate checked
More details - MCT Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: Early withdrawals subject to a penalty. No setup or maintenance fees.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - First State Bank of Beecher CityCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal on above accounts. All interest rates subject to change.
Offer: 12 Month term. Penalty for early withdrawal.
4.00% interest rate · Effective Sep 29, 2026
Rate checked
More details - Fox Valley Credit UnionTerm Certificates or Certificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000intro rateRequirements
Product: The minimum deposit to open a CD is $500. There is a penalty for early withdrawal, and fees could reduce both earnings and principle on the account.
Offer: Limited time promotional rate; maximum deposit of $50,000 per member; penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Balance cap $50,000 · Effective Oct 6, 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
5,320 CDs at 4,376 banks and credit unions · checked Oct 22–24
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.45%
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