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 616–630 results
- Newburg BankCertificate of DepositCD · 12 months · $500 min · 3.95%–4.02% by balance
Bank · Add a location to see nearby branches
4.02%APY$402 over 1 year on $10,000Requirements
Product: Fixed rate. A penalty may be imposed for early withdrawal. Full disclosure of all products provided at time of account opening or upon request. Fees could reduce earnings.
Offer: Opening balance under $10,000. Interest credited at maturity.
3.95% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $10,000 3.95% $10,000 and upYour amountInterest credited monthly. 4.02% Rate checked
More details - Nashville Firemen’s Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.02%APY$402 over 1 year on $10,000Requirements
Product: Rates stated as APY. Certificate rates are set for the term of the account. $1,000 minimum balance required. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - Create Credit UnionLevel Up Certificate of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.02%APY$402 over 1 year on $10,000Requirements
Product: Variable rate with one-time rate increase option during term to currently effective rate. Early withdrawal penalty of 90 days interest for 3, 6, and 12-month terms, and 180 days interest for 18, 24, 36, 48, and 60-month terms. Subsequent deposits allowed only within first 7 days of account opening.
Offer: 90-day interest penalty for early withdrawal. One-time bump up rate allowed during term.
3.95% interest rate
Rate checked
More details - First Federal Savings Bank of MascoutahCertificate of DepositsCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: On certificates of deposits, an early withdrawal penalty may apply. APY shown is paid on the entire balance in the account.
Offer: Compounding frequency: Quarterly. Early withdrawal penalty: 182 days of Interest.
3.95% interest rate · Effective Oct 8, 2026
Rate checked
More details - Foresight BankCertificate of DepositCD · 12 months · $500 min · 3.96%–4.11% by balance
Bank · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: FDIC insured. No fees. Minimum opening deposit $500. Early withdrawal penalties apply (with exceptions such as up to $50,000 per year for nursing home expenses). Contact bank for rates on CDs above $100,000.
3.90% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 3.96% $10,000 and upYour amount 4.01% $40,000 and up 4.06% $100,000 and up 4.11% Rate checked
More details - Alliance Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
3.96% interest rate · Compounded quarterly
Rate checked
More details - Arbuckle Federal Credit UnionShare Certificates ($1,000 – $99,999)CD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,0003.94% interest rate · Balance cap $99,999 · Effective Jan 14, 2026
Rate checked
More details - Cedar Point Federal Credit UnionLong Term Certificate AccountCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: Rates fixed for the entire term. Penalty charged for early withdrawal. Funds cannot be deposited into existing accounts until maturity.
3.95% interest rate · Effective Oct 9, 2026
Rate checked
More details - Cedar Point Federal Credit UnionEasy Builder Long Term Certificate AccountCD · 12 months · $50 min
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: Deposits allowed at any time. Deposits of at least $25.00 per month by automatic transfer are required. Renews at then current corresponding regular certificate rate when balance is at least $1,000.00 on maturity date.
Offer: Young Investors Option. Deposits of at least $25.00 per month by automatic transfer are required.
3.95% interest rate · Effective Oct 9, 2026
Rate checked
More details - State Savings BankCertificate of DepositCD · 12 months · $2,000 min · 3.96%–4.06% by balance
Bank · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: Deposit accounts are only available to residents of Iowa in Polk, Jasper, and surrounding counties. Substantial penalty for early withdrawal. Interest compounds quarterly. CD Rate Advantage: Once during the term, you may exchange your interest rate for the current 48-month CD rate. The new rate will equal the rate of the applicable tier based on your CD balance.
3.90% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $2,000 – $10,000 3.96% $10,000 – $50,000Your amount 4.01% $50,000 – $245,000 4.06% Over $245,000 4.01% Rate checked
More details - Austin Telco Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 4.01%–4.22% by balance
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Funds must remain on deposit for the term of the certificate or penalties apply: terms of 12 months or less - 90 days dividends; terms of over 12 months - 180 days dividends. Minimum balance requirements: $1,000 for regular certificates, $95,000 for Jumbo, and $225,000 for Super Jumbo.
3.95% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $94,999Your amount 4.01% $95,000 – $224,999 4.11% $225,000 and up 4.22% Rate checked
More details - WESTconsin Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: Dividends calculated daily, credited and compounded monthly (or at maturity for 3 Month). Early withdrawal penalties apply. Rates vary by Membership Value Pricing (MVP) level. Minimum deposit $1,000 ($500 for age 16 and younger) unless otherwise stated.
Offer: Gold MVP Level: active checking with 5+ posted transactions/month and minimum $30,000 average monthly household balance or first mortgage with balance. Compounded monthly.
3.94% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Bank of SteinauerCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawal on Certificate of Deposits. Rates may change after the account is opened. Fees may reduce earnings.
3.95% interest rate · Effective Sep 28, 2026
Rate checked
More details - B-M S Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: Early withdrawal fee if access to funds needed. $1,000 minimum balance to open account. Transaction limitations apply.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Elizabethton Federal Savings BankCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000Requirements
Product: Account terms available from 91 days to 5 years. Automatic term renewal at maturity.
Offer: APY compounds daily on 1 year and longer term CD(s).
3.93% interest rate
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