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 466–480 results
- Balboa Thrift and LoanJumbo Certificates of DepositCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.
4.00% interest rate · Compounded daily · Effective Oct 2, 2026
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More details - Toledo Urban Federal Credit UnionShare CertificateCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,0004.00% interest rate
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More details - First Choice Financial Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: $500 Minimum Balance Required; Interest Compounded Daily; Penalty for early withdrawal; Rates are subject to change without notice
Offer: Credit at Maturity
4.00% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Wolverine State Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Effective Oct 5, 2026
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More details - FRB Federal Credit UnionTerm 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: Dividends are paid at maturity, quarterly, annually, or custom. Penalties apply for early withdrawal (lesser of 90 days dividends for maturities under 1 year; lesser of 180 days dividends for maturities of 1 year or more; no penalty upon death of primary owner).
Offer: Early withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal.
4.00% interest rate · Effective Oct 1, 2026
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More details - 4.08%APY$408 over 1 year on $10,000
Requirements
Product: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal. Interest rate is based on a Prime Rate index minus a margin of 3.00%, with a floor of 0%. Interest rate may change at any time based on changes in the index.
Offer: Must maintain minimum balance of $1000 every day to earn APY. Interest rate is based on a Prime Rate index minus a margin of 3.00%, with a floor of 0%. Interest rate may change at any time based on changes in the index. Penalty may be imposed for early withdrawal.
Effective Sep 17, 2026
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More details - Complex Community Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$408 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: A 90 day dividends penalty will be imposed for early principal withdrawal.
4.00% interest rate · Effective Jan 1, 2025
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More details - New Haven County Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: Minimum deposit to open Certificates is $500.00. Dividends are paid monthly on the average daily balance.
4.00% interest rate · Effective Aug 7, 2023
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More details - Glynn County Federal Employees Credit UnionShare Certificate AccountsCD · 12 months · $4,000 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: No maintenance fee. Certificates range from 3 to 24 months (with 36-month option on rate schedule).
Offer: 12 Months term. Minimum deposit of $4,000 with one-year maturity or more.
4.00% interest rate · Effective Jan 1, 2025
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More details - Cleveland Selfreliance Federal Credit UnionCertificates 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: Rates subject to change without notice.
4.00% interest rate
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More details - New Castle Bellco Federal Credit UnionShare Certificate of DepositCD · 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: Rates are fixed for the entire certificate term. Dividends are calculated by the average daily balance method and paid monthly. A minimum deposit of $1000.00 is required.
Offer: Limit 1 CD.
4.00% interest rate · Balance cap $50,000 · Effective Jul 31, 2026
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More details - Daniels-Sheridan Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: Minimum $500 to open and earn dividends. Dividends calculated daily, compounded daily, paid upon maturity (or paid monthly / quarterly statement).
Offer: 1-Year Share Certificate (12 Months). Minimum $500 to open and earn dividends.
4.00% interest rate · Compounded daily · Effective Apr 1, 2026
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More details - Worcester Fire Dept Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY$408 over 1 year on $10,0004.00% interest rate
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More details - Connecticut State Police Credit UnionCertificates 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: Early withdrawal penalty may apply. Accounts compound monthly.
Offer: Early withdrawal penalty of 60 days dividends. Compounded monthly.
4.00% interest rate · Compounded monthly · Effective Sep 21, 2026
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More details - Kraftman Federal Credit UnionCertificates of DepositCD · 12 months
Credit union · Add a location to see nearby branches
4.07%APY$407 over 1 year on $10,000Requirements
Product: Dividends earned are posted monthly. Early withdrawal fees or applicable conditions could reduce earnings.
4.00% interest rate
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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
* 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank