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 856–870 results
- Lakota FCUShare CertificateCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Designed for longer-term savings goals. Interest earned is paid upon maturity.
4.00% interest rate
Rate checked
More details - REV Federal Credit UnionRegular CertificatesCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Open online up to $1,000; visit branch for amounts over $1,000. 3 to 60-month term options available.
Offer: Special
3.92% interest rate
Rate checked
More details - Civic Federal Credit UnionChoice CertificateCD · 12–18 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APYwith conditionsRequirements
Product: Civic membership required. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Early withdrawal penalty applies (6-11 months = forfeiture of 90 days' dividends; 12-60 months = forfeiture of 180 days' dividends).
Qualified rate · 3.92% interest rate · Compounded monthly · Effective Sep 2, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
3.94% interest rate · Effective Jun 30, 2026
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More details - Signature Federal Credit UnionStandard Share 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: With a minimum opening balance of $500, savings grow from 3 months to 5 years. No additional deposits can be made once the account is open. Fixed rate for the term; penalty may be assessed for early withdrawal.
Effective May 27, 2026
Rate checked
More details - Signature Federal Credit UnionEZ Save CertificateCD · 12 months · $50 min · 0.10%–4.00% by balance
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: One EZ Save Certificate per account (limit $25,000). 12-month term; after 12 months you have the opportunity to transfer the balance to another Share Certificate. Additional deposits allowed anytime. Once balance reaches $25,000, must request earned dividends to be automatically transferred out to earn the full APY. Early withdrawal penalty applies excluding dividends.
Offer: Balances under $25,000 earn 4.00% APY. Initial deposit minimum is $50.
Effective May 27, 2026
Rate by balance
Rate by balance for EZ Save Certificate Balance APY Up to $25,000Your amount 4.00% $25,000 and up 0.10% Rate checked
More details - Citizens Bank & Trust CompanyCertificate 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: Accounts cannot be opened online or over the phone; must visit a branch location to open an account. Early withdrawal penalties and fees may reduce earnings.
4.00% interest rate · Effective Sep 17, 2026
Rate checked
More details - Northeast Alabama Postal FCUCDCD · 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: Available to members. Offer and rates subject to change. Minimum balance to open is $500. Maximum CD balance $250,000.
Offer: 1 Year APY. Early withdrawal penalties apply.
Promotional rate · Balance cap $250,000
Rate checked
More details - American Pride BankPersonal Certificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: $500 minimum to open. Interest rate is fixed for term of CD. Interest is compounded daily. Penalty for early withdrawal. Terms include 6, 12, 18, 24, 36, 48 and 60 months.
Offer: To earn the advertised APY, a minimum balance of $500.00 is required. For a limited time. Substantial penalty for early withdrawal. Offer may be withdrawn at any time without notice.
Promotional rate · Compounded daily · Effective Sep 18, 2025
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More details - Go Energy Credit UnionCertificate AccountCD · 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: Fixed rate for the entire term. Additional deposits not allowed. Early withdrawal penalty may apply (calculated as forfeiture of part of the interest earned on the amount withdrawn and will not reduce principal). Automatically renews for the same or next shorter term upon maturity with a 5 business day grace period.
3.92% interest rate · Effective Jul 1, 2025
Rate checked
More details - Partners 1st Federal Credit UnionRegular 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: Rates as of 8/3/26 and subject to change at any time. Rates are fixed for the term. APY reflects dividends compounded and paid into the certificate monthly. Early withdrawal penalties apply.
Promotional rate · 3.93% interest rate · Effective Aug 3, 2026
Rate checked
More details - Prime Trust Financial 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: No monthly service or origination fees. Early withdrawal penalty may apply. Consumer & Share Certificates receive an additional 0.25% for direct deposit where eligible.
Offer: No rate bump available. Early withdrawal penalty may apply.
3.92% interest rate · Effective Jan 5, 2026
Rate checked
More details - Policemen's 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 requirements apply. Early withdrawal penalties may apply. Rates are subject to change without notice.
3.94% interest rate · Effective Nov 1, 2024
Rate checked
More details - Lynn Firemen's Federal Credit Union1 year CDCD · 12 months
Credit union · Add a location to see nearby branches
4.00%APY$400 over 1 year on $10,0004.00% interest rate
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More details - Saint Michaels Federal 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: Dividends credited monthly. Penalty may be imposed for early withdrawal.
Offer: Dividends credited monthly.
3.93% interest rate · Effective Aug 3, 2026
Rate checked
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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