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 781–795 results
- Portage Community BankCertificates 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 $10,000intro rateRequirements
Product: Early withdrawals subject to penalty (less than 1 year maturity: 91 days interest; 1 year or more maturity: 6 months interest). Annual Percentage Yield is based upon the maximum term of deposit for each maturity range. For CDs under $100,000, minimum term is 30 days. Variable Interest Rates subject to change.
Offer: Term: 12 Month Special. Compounding method: Daily.
Promotional rate · 3.92% interest rate · Effective Oct 5, 2026
Rate checked
More details - Hancock 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: Membership eligibility required (live, work, worship, or attend school in Hancock County). Excludes JR Certificates. Early withdrawal penalty applies. Minimum balance $500 to open and earn advertised APY.
3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - Community SavingsCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,0003.92% interest rate · Effective Oct 5, 2026
Rate checked
More details - Lufthansa Employee Federal Credit UnionCertificate AccountCD · 12 months · $5,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro ratePromotional rate · 3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - G.P.O. Federal Credit UnionTerm Share CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).
Offer: Fixed dividend rate; 90 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed.
Promotional rate · 3.93% interest rate · Effective Aug 3, 2026
Rate checked
More details - Great Meadow Federal Credit UnionShared 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: Membership eligibility required. Dividends compounded at maturity. Early withdrawal forfeits earned dividends while principal balance remains intact.
Offer: Dividends compounded at maturity. Early withdrawal forfeits earned dividend.
Effective Sep 1, 2026
Rate checked
More details - Bank of UticaCertificates of Deposit (CD)CD · 12–24 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; 1 year up to 2 years term; compounded quarterly.
3.94% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 1, 2026
Rate checked
More details - TopLine Financial 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: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
3.94% interest rate
Rate checked
More details - Drake BankCertificates 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: CD accounts require a $500 opening balance. Additional deposits before maturity are not permitted. Penalty for early withdrawal may apply.
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - Embarrass Vermillion FCUShare 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: All certificates require a $500 minimum deposit. Early withdrawal penalty applies.
3.94% interest rate · Effective Nov 20, 2025
Rate checked
More details - United Employees Credit UnionShare Certificates (CDs)CD · 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 paid at maturity or annually. Anticipated Rates - Dividends Paid on Average Daily Balance. Each Account Insured up to $250,000 by NCUA.
Offer: 1 year term.
4.00% interest rate
Rate checked
More details - Community BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Offer: A penalty will or may be imposed for early withdrawal
Effective Sep 30, 2026
Rate checked
More details - CENT Credit UnionTime 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: Dividends are calculated daily and paid monthly. Early withdrawals may result in penalties.
Offer: Requires a minimum of $1,000.00 to open.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - Cloverbelt Credit UnionCertificatesCD · 12 months · $1,000 min · 3.50%–4.00% by balance
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Certificates may have penalty imposed for early withdrawal. Rates subject to change without notice. Minimum balance requirements vary by term and tier.
3.46% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 3.50% $5,000 and upYour amount 4.00% Rate checked
More details - Route 31Save to Win CertificateCD · 12 months · $25 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Minimum $500 balance to earn dividend does not apply. Keep making deposits during the 12 months; each $25 is an entry into prize drawings (up to 100 entries/month). Penalty for early withdrawal.
Offer: Standard rate.
Effective Sep 25, 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank