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 706–720 results
- The Community BankCertificates of Deposit (CDs)CD · 12 months
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: May be subject to early withdrawal penalty. No setup or service fees.
Offer: With an existing relationship with TCB or open a new deposit/loan with TCB (beyond the CD).
Qualified rate
Rate checked
More details - Cinfed Credit UnionStandard CertificatesCD · 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 $500 deposit for standard certificates. Early withdrawals subject to penalty. Jumbo Rate Bonus: Enjoy a 0.15% (15 basis points) bonus on certificates with a balance of $50,000 or greater for 24 months and longer terms.
3.92% interest rate
Rate checked
More details - Commstar Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Fixed interest rate for the term of the certificate. No risk method of earning interest.
Effective Oct 5, 2026
Rate checked
More details - Firelands Federal Credit UnionShare CertificatesCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Fixed rates; dividends compounded and paid quarterly; early withdrawal penalties apply.
Offer: Term: 12 months. Minimum to open: $500.
3.92% interest rate · Effective May 1, 2026
Rate checked
More details - Firelands Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Fixed rates; dividends compounded and paid quarterly; early withdrawal penalties apply.
3.92% interest rate · Effective May 1, 2026
Rate checked
More details - OC Federal Credit UnionShare Certificate 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: Promotional rate excluded from Member Appreciation Program. Early withdrawal penalty may be imposed. Renews at current rate upon maturity. Membership share of $5.00 required.
Offer: Promotional rate accurate as of October 1, 2026; available through October 31, 2026. Excluded from Member Appreciation Program. Requires minimum deposit of $500.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Midwest BankCertificates of Deposit (CDs)CD · 12 months · $500 min · 4.00%–4.15% by balance
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Early withdrawal penalty may apply. Fixed rate that will not change for the term. Automatic renewal when certificate meets maturity. No setup or maintenance fees.
Offer: Term: 12 Month. Early withdrawal penalty may apply. Minimum balance to obtain APY is based on daily balance.
3.94% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 and upYour amount 4.00% $25,000 and upTerm: 12 Month ($25,000 or more). 4.15% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: Interest paid quarterly.
3.94% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: Interest paid monthly.
3.93% interest rate · Effective Oct 9, 2026
Rate checked
More details - Peoples Savings BankCD Special RatesCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro ratePromotional rate · 3.96% interest rate · Effective Oct 15, 2026
Rate checked
More details - First Community Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Federally insured by NCUA. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.
Offer: Compounding and crediting at maturity. Early withdrawal penalties apply.
Effective Oct 9, 2026
Rate checked
More details - Ixonia BankCertificate 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: Early withdrawal may be subject to penalty. Fees may reduce earnings.
Offer: Minimum balance to open/obtain the APY.
3.94% interest rate
Rate checked
More details - AbbyBankCertificates of DepositCD · 12 months · $1,500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Automatically renews at maturity. Subject to early withdrawal penalties.
Offer: Automatically renews at maturity. Subject to early withdrawal penalties.
3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bank of BrodheadExclusive CD OfferCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Available exclusively at the Milton office (735 Sunnyside Drive, Milton, WI 53563). Must open account in person.
Offer: Exclusive to Milton office; must open in person. Penalty may be imposed for early withdrawal. At maturity, the CD renews at the standard rate in effect at that time.
Promotional rate · Effective May 13, 2026
Rate checked
More details - Bank of BrodheadCertificates of Deposit SpecialCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Offer: Penalty for early withdrawal and/or restrictions may apply. Fees could reduce earnings.
3.92% interest rate · Effective Oct 14, 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