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 631–645 results
- Envista Federal Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,000intro rateRequirements
Product: Fixed rates; longer terms earn higher rates. No setup or maintenance fees. Early withdrawals are subject to penalty.
Promotional rate · 3.95% interest rate · Effective Apr 9, 2026
Rate checked
More details - San Juan Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,0003.95% interest rate · Effective Sep 30, 2026
Rate checked
More details - San Juan Credit UnionGrowth CertificateCD · 12 months · $10 min
Credit union · Add a location to see nearby branches
4.01%APY$401 over 1 year on $10,0003.95% interest rate · Effective Sep 30, 2026
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More details - First U.S. Community Credit UnionShare CertificateCD · 3–12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYintro rateRequirements
Product: Federally insured by NCUA up to $250,000. Penalty for early withdrawal; withdrawals will reduce earnings.
Offer: Certificate Special: 3, 6, 9 or 12 Month Special. Fixed rate. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates.
Promotional rate · 3.93% interest rate · Effective Oct 16, 2026
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More details - MERCO Credit UnionTerm CertificatesCD · 6–60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYintro rateRequirements
Offer: Flex Term Promotion (6-60 Months)
Promotional rate · 3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bank of UticaCertificates of Deposit (CD)CD · 6–12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APYRequirements
Product: Local deposits only for Oneida, Herkimer, Madison, Otsego Counties. New customer limit $3,000,000. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.
Offer: Under $100,000 tier; 6 months up to 1 year term; compounded quarterly.
3.94% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 1, 2026
Rate checked
More details - North Central Area Credit UnionCertificate of DepositCD · 12 months · $500 min · 4.00%–4.10% by balance
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 4.00% $50,000 – $250,000 4.10% Rate checked
More details - Spero FinancialTerm Share CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Early withdrawal fees could reduce earnings and principal on the account. Certificate dividends paid at maturity for 6 to 11-month terms and quarterly for 12 to 48-month terms. Automatic renewal at maturity available.
Offer: Certificate dividends paid quarterly.
Effective Oct 23, 2026
Rate checked
More details - IAA Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends compounded daily. Early withdrawal penalties apply. Jumbo rate quoted upon request for minimum $100,000.
Offer: Early withdrawal penalties apply.
3.93% interest rate · Compounded daily · Effective Oct 9, 2026
Rate checked
More details - Matagorda County Credit UnionShare Certificate of DepositsCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends earned monthly; fixed rate for term.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - Credit Union of TexasRegular CDCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Start saving with a minimum opening deposit of $1,000. Interest compounded daily and paid at maturity. Renews automatically with a 7-day grace period. Penalty for early withdrawal.
3.93% interest rate · Compounded daily · Effective Oct 21, 2026
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More details - Texas Trust Credit UnionTerm Share Flex CertificateCD · 12 months · $5,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: One of the following options may be used one time during term: bump up rate when rates increase (requires adding min 10% of original CD balance), add money to existing CD (min $500), or withdraw up to 25% of balance without penalty maintaining minimum balance.
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - Selfreliance Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.
Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.
3.94% interest rate · Balance cap $1,000,000 · Effective Oct 23, 2026
Rate checked
More details - York Educational Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Minimum balance for a YEFCU Certificate of Deposit is $500. Early withdrawal penalty applies. Dividends compounded monthly for 6-month certificates and quarterly for 12- to 48-month certificates.
Offer: Special CD Rate. Penalty for early withdrawal: 90 days of dividends.
Promotional rate · 4.00% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - Cornerstone Community Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Minimum balance to open certificate and earn APY is $500. Early withdrawal penalties apply. Fees may reduce earnings. For terms of 2 years or more under Unlock with the Rock, the early withdrawal penalty is the smaller of dividends since issuance/renewal or 30 days dividends.
Offer: 1 year certificate term.
3.92% interest rate · Effective Oct 14, 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
5,320 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