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 721–735 results
- Adventure Credit UnionSave to Win CDCD · 12 months · $25 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Prize-linked 12-month certificate account. Allows deposits after opening. Early withdrawal penalty is $25. Must follow Save to Win program rules. Membership requires a $5 share deposit.
Offer: Prize-linked savings CD; early withdrawal penalty is $25. Allows deposits after opening.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Polish-American FCUCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Rates may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.
Offer: APY as high as with loyalty benefits (rates may increase .2%).
Effective Oct 15, 2026
Rate checked
More details - Tri-Cities Credit Union12-Month CertificateCD · 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: Penalty may apply for early withdrawal. Rates subject to change.
Offer: Penalty may apply for early withdrawal.
3.93% interest rate
Rate checked
More details - Citizens Savings BankCertificates of DepositCD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Early withdrawal penalty applies. Daily balance required for rate qualification.
Offer: Early withdrawal penalty applies. Minimum opening deposit $2500.
4.00% interest rate · Effective Oct 6, 2026
Rate checked
More details - Eastman Credit UnionInvestment CertificatesCD · 12–23 months · $1,000 min · 4.00%–4.05% by balance
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by NCUA. Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty. APY assumes dividends will remain on deposit until maturity.
Offer: Term: 1 to 2 Years (365 to 729 days). Early withdrawal penalty: 90 Days' Dividends.
3.93% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Investment Certificates Balance APY $1,000 and upYour amount 4.00% $100,000 and upJumbo tier ($100k Minimum). 4.05% Rate checked
More details - FedEx Employees Credit AssociationShare CertificateCD · 12 months
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Offer: Under $50,000 (Dividends Paid at Maturity)
Effective Oct 13, 2024
Rate checked
More details - Fall River Municipal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Fixed rate for term of deposit. Dividend rate compounded monthly and paid monthly. Renewed automatically at the end of a 7 calendar day grace period. May be pledged as collateral. $5.00 member share required.
Offer: 12 Month Special. Annual Percentage Yield (APY) assumes that dividends remain on deposit until maturity. Early withdrawal is subject to penalty and will reduce earnings. Jumbo CD rate available on balances of $100,000 or more – add .10% basis points over current rate. $5.00 member share required.
Promotional rate · 3.93% interest rate · Compounded monthly · Effective Sep 10, 2026
Rate checked
More details - Rockland TrustCertificate 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: Minimum deposit to open is $1,000; maximum deposit to open is $1,000,000.00. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Compounded daily. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Compounded daily. Minimum balance of $0.01 required daily to obtain disclosed APY.
3.92% interest rate · Compounded daily · Balance cap $1,000,000 · Effective Oct 6, 2026
Rate checked
More details - Community State BankCertificates of DepositCD · 12 months · $5,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Penalties for early withdrawal. All certificates require a $500 minimum opening deposit with the exception of the 48 month special and 12 month special requiring a $5,000 deposit.
Offer: Special 12 Month CD. Requires a $5,000 deposit. Penalties for early withdrawal.
Effective Oct 5, 2026
Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Premier Spending relationship.
Effective Oct 13, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Personal accounts only. Maximum deposit amount is $500,000. Early withdrawal penalty applies. Special CDs renew into Regular CDs at current rates. Terms under 12 months use simple interest; 12+ months use monthly compounding.
Offer: Interest compounded and credited monthly. Early withdrawal penalty is 4% of principal.
Promotional rate · 3.93% interest rate · Balance cap $500,000
Rate checked
More details - Cape Cod 5Certificates of Deposit (CDs)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Available exclusively to Premier5 relationship customers.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - Excel Federal Credit UnionShare Certificates/CDsCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Membership open to individuals who live, work, worship, or attend school in Forsyth, Fulton, Gwinnett, and Hall counties, and their immediate family members. Fixed rates compounded quarterly.
Offer: Payroll direct deposit is required for special promotional as-high-as rate. Minimum $500 balance to earn stated annual percentage yield.
Qualified rate · 3.94% interest rate · Compounded quarterly · Effective Oct 16, 2026
Rate checked
More details - SUN Credit UnionStandard Certificates of DepositCD · 12 months · $2,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Minimum deposit as low as $1,000.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - Gallup FCUNew Money CDCD · 12 months · $5,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Special Program terms and restrictions apply.
Offer: Special Program terms and restrictions apply.
Promotional rate · Effective Jul 1, 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