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 736–750 results
- ALABAMA POSTALShare Certificates (CD's)CD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Effective Aug 1, 2026
Rate checked
More details - Liberty Savings Federal Credit UnionCertificate of DepositsCD · 12 months · $500 min · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. Bonus dividend of an additional 0.10% on any single certificate of 2 years or more with a balance of $50,000 or more.
Offer: Minimum deposit $500. Penalty for early withdrawal.
3.83% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificate of Deposits Balance APY $500 and up 3.90% $5,000 and upYour amountMinimum deposit $5,000 combined. 4.00% Rate checked
More details - LSB Community BankCertificates of DepositCD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Minimum balance to open an account is $2,500 ($500 for minor). Minimum amount to earn APY is $500. Early withdrawal penalty will be imposed if CD is closed prior to maturity.
Offer: New Accounts. Minimum opening balance is $2,500 ($500 minor); minimum to earn APY is $500.
Promotional rate · 3.93% interest rate · Effective Oct 10, 2026
Rate checked
More details - Central BankCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Interest compounded daily and paid at least annually (unless otherwise designated). Automatically renews at maturity. Early withdrawal penalty applies. After opening, no additional deposits allowed until maturity.
3.92% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - Bank of BotetourtCertificate of Deposit 12 Month SpecialCD · 12 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Interest is compounded and paid quarterly. Penalty for early withdrawal; early withdrawal fees could reduce earnings. Valid for consumer and commercial customers with or without a full relationship.
Offer: Interest is compounded and paid quarterly. There is a penalty for early withdrawal. Early withdrawal fees could reduce earnings. 12-month CD offer is valid for consumer and commercial customers with or without a full relationship.
Promotional rate · 3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - Northern Colorado Credit UnionMountain CDCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
Effective Oct 15, 2026
Rate checked
More details - HAPO Community Credit UnionCertificate AccountCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: CDs opened online have 30 days to fund the certificate in order to earn the posted CD rate. Dividends are compounded and credited quarterly and at maturity. Minimum opening balance is $100.
Offer: Allows additional deposits in increments of $100.00 or more up to $100,000.00 through the term. Early withdrawal penalty is 120 days dividends.
3.94% interest rate
Rate checked
More details - Conway National BankCertificates of DepositCD · 12 months · $500 min · 4.00%–4.05% by balance
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Interest rates on all time deposits are determined weekly. Substantial penalty for early withdrawal. Interest is paid on the collected balance.
4.00% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $24,999Your amount 4.00% $25,000 – $49,999 4.00% $50,000 – $99,999 4.05% $100,000 and up 4.05% Rate checked
More details - Ellafi Federal 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: Membership required ($5 par value share). Early withdrawal penalty applies (Terms of 12 months or less: 90 days' dividends; Terms longer than 12 months: 180 days' dividends). 10-day grace period after maturity.
3.93% interest rate · Effective Oct 6, 2026
Rate checked
More details - Metropolitan District Employees Credit UnionShare 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: The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. There will be a 10 day period to add or withdrawal from the certificate without penalty. Early withdrawal penalty is half the term of interest.
4.00% interest rate · Effective Oct 15, 2026
Rate checked
More details - Security National Bank of South DakotaCertificates of Deposit (Dakota Dunes)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: $1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Dakota Dunes location.
3.96% interest rate
Rate checked
More details - Security National Bank of South DakotaTraditional CD (Sioux Falls)CD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: $1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Offer good for initial term only. Rates shown for Sioux Falls location.
Promotional rate · 3.96% interest rate
Rate checked
More details - NorState Federal Credit UnionShare Certificate AccountCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 13, 2026
Rate checked
More details - Estacado Federal Credit UnionShare CertificatesCD · 12–17 months · $1,000 min · 4.00%–4.10% by balance
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Early withdrawal penalty may apply.
3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $100,000Your amount 4.00% $100,000 and upJumbo Certificates over $100,000 4.10% Rate checked
More details - The Bank of CommerceCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: All certificates can be added onto, $200 minimum add on. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: 12 month term. All certificates can be added onto, $200 minimum add on.
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