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 526–540 results
- SM Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Compounded daily and paid quarterly. Subject to change daily.
Offer: Subject to change daily. 90 day penalty for early withdrawal before maturity.
4.00% interest rate · Compounded daily
Rate checked
More details - Adams State BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Minimum balance above is to open: No minimum balance required to earn interest. Substantial penalty for early withdrawal of certificates.
4.00% interest rate · Effective Oct 13, 2026
Rate checked
More details - Listerhill Credit UnionStandard CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Assumes dividends remain on deposit until maturity. A Share Savings account is required. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Raise-My-Rate option and anytime deposit of $500 or more available.
4.00% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Interest compounded and paid quarterly or at maturity. Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
4.00% interest rate
Rate checked
More details - DEVILS SLIDEShare Certificates (CDs)CD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty may apply. Certificates automatically renew at maturity.
Offer: Assuming dividends remain on deposit for the full term.
3.99% interest rate · Effective Oct 2, 2026
Rate checked
More details - Schertz Bank & TrustRegular CDCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Fixed rate, simple interest CD. Automatically renewable. Penalty for early withdrawal.
Offer: 1 Year CD. Interest paid quarterly back to CD. Penalty for early withdrawal is an amount equal to three month's interest. Redeemable on day of maturity or within 10 days after without penalty.
4.00% interest rate · Effective Sep 29, 2026
Rate checked
More details - Medina County Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,0004.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - Dynamic Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: All terms require a minimum deposit of $500. Early withdrawal penalty: If certificate is less than 12 months, a 90 day dividend penalty will be imposed; if the certificate is greater than 12 months, a 180 day dividend penalty will be imposed.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - The Peoples Bank Co.Certificate of DepositCD · 12 months · $500 min · 3.80%–4.06% by balance
Bank · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,0003.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $5,000 3.80% $5,000 and upYour amount 4.06% Rate checked
More details - All Saints Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: $500 Minimum
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Town of Cheektowaga Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Dividends are calculated based upon the member's average quarterly balance and are disbursed and compounded on the last day of the quarter.
Offer: Penalty for early withdrawal is the last 60 days of accrued interest at the date of closing.
4.00% interest rate
Rate checked
More details - Expedition Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Must be a member; purchase and maintain minimum required share ($5.00) in savings/trust savings. Early withdrawal penalty applies based on term. 7-day grace period after maturity.
Offer: Flex Rate Certificate. May request a rate change one time during the life of certificate to the current rate offering for an equivalent term in writing. Interest compounded and credited quarterly.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Infuze Credit UnionShare CertificatesCD · 12 months · $500 min · 4.01%–4.11% by balance
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Personal accounts only. Minimum opening balance to earn APY is $500 for standard share certificates. Early withdrawal penalties apply. Rates not available on IRA certificates. Automatically renews at maturity with a 10-day grace period. Membership required.
3.94% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $9,999 4.01% $10,000 – $24,999Your amount 4.06% $25,000 and up 4.11% Rate checked
More details - Wayne Westland Federal Credit UnionCertificatesCD · 12 months
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,0003.99% interest rate · Effective Oct 1, 2026
Rate checked
More details - Alpena Alcona Area Credit UnionRegular CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
Offer: 12 Month term; interest compounded and credited quarterly
4.00% interest rate · Effective Oct 5, 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
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