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 676–690 results
- Members Heritage CUTerm Share CertificatesCD · 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 $500. Dividends calculated on average daily balance, paid monthly. Fixed interest rate and maturity date. Early withdrawal penalty applies.
Offer: Term 1 Year.
Promotional rate · 3.93% interest rate · Effective Oct 22, 2026
Rate checked
More details - Options Credit Union12-Month Certificate SpecialCD · 12 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Available with new money only (funds from a non-Options account). Cannot be combined with Loyalty Rewards. 90-day early withdrawal penalty. At maturity, automatically renews into a standard 6-month term.
Offer: Limited-time special offer for new money only. Cannot be combined with Loyalty Rewards. At maturity renews into a standard 6-month term.
Promotional rate · Effective Jul 20, 2026
Rate checked
More details - Metrum Community 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 $10,000Requirements
Product: Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.
Effective Oct 19, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 4.00% $100,000 and up 4.10% Rate checked
More details - Triangle Federal Credit UnionShare CertificatesCD · 12 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends can be withdrawn or added to the certificate. No setup or maintenance fees. All Share Certificates automatically renew at maturity if no action is taken. Save-up option available on 12, 18, 24, and 36 month terms (add in minimum increments of $100). Step-up option available on 24 and 36 month terms (one-time rate change). Early withdrawal penalty applies.
Offer: Dividends Compounded & Paid Quarterly. Penalty will be imposed for early withdrawal. Save-up option available.
4.00% interest rate · Effective Jun 26, 2026
Rate checked
More details - TRI-CUTerm CertificatesCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends compounded/paid monthly. Early withdrawal penalties may apply. Federally insured by NCUA to $250,000.
Offer: Compounded/Paid Monthly
3.92% interest rate · Effective Sep 24, 2025
Rate checked
More details - Numerica Credit UnionCertificatesCD · 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: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.
Effective Oct 19, 2026
Rate checked
More details - Sioux Valley Co-op Federal Credit UnionShare CertificatesCD · 12 months · $0 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Earn a fixed rate by keeping your funds deposited for a set term. Dividends are accrued annually.
Offer: Compounded annually
Compounded annually · Effective Oct 13, 2026
Rate checked
More details - Dakota Western BankRegularly Advertised CDsCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Effective Oct 7, 2026
Rate checked
More details - Evergreen 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: Membership eligibility applies (live, work, worship, or attend school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York counties, or immediate relative of eligible member). Early withdrawal penalties apply. $500 minimum deposit to open.
Offer: Early withdrawal subject to 180 day dividends penalty.
3.93% interest rate · Effective Oct 8, 2026
Rate checked
More details - Main Bank12-Month Certificate of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
Offer: Balances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply.
3.94% interest rate · Effective Oct 8, 2026
Rate checked
More details - Rogue Credit UnionTreasure Valley Certificates $500 or MoreCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Treasure Valley rates. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.93% interest rate · Effective Oct 22, 2026
Rate checked
More details - Rogue Credit UnionTreasure Valley Certificate Add On - Small SaversCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Treasure Valley Small Savers Add-On Certificate allows deposits at any time and for any dollar amount during the term. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.93% interest rate · Effective Oct 22, 2026
Rate checked
More details - RIM Country FCUShare CertificateCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: All rates subject to change without notice. Fee for early withdrawal: $10.00, in addition up to 30 days of interest may be forfeited.
Offer: Renewals
Promotional rate · 4.00% interest rate · Effective Sep 24, 2026
Rate checked
More details - DC Credit UnionRegular Share 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: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Rate checked
More details - CME Credit UnionCertificate of Deposit SpecialCD · 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 $500. Fully insured up to $250,000.
Offer: Effective date 2026-10-22.
Promotional rate · Effective Oct 22, 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