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 1021–1035 of 5,350 results
- Alpine Credit UnionFlex CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: 12-month term only. Auto renewal. $500 minimum deposit with $500 minimum balance required at all times. One penalty-free withdrawal within the first 5 business days of each new quarter (January, April, July, October).
3.84% interest rate
Rate checked
More details - Alpine Credit UnionBump CertificateCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APYintro rateRequirements
Product: One-time bump-up in dividend rate during term. Maturity date options 12-60 months. Auto renewal. $500 minimum deposit.
Promotional rate · 3.84% interest rate
Rate checked
More details - America First Credit UnionBump-Rate Certificate AccountsCD · 12–17 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APYRequirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
3.83% interest rate · Effective Oct 21, 2026
Rate checked
More details - First Federal Savings & Loan AssociationLong Term CertificatesCD · 12 months · $100 min
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Fixed rate CD. Length of deposit 1 to 5 years. Additional deposits not allowed. Early withdrawal penalty is 180 days interest (waived upon death or legal incompetence of account holder).
Offer: 1 Year CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100).
3.77% interest rate · Effective Oct 21, 2026
Rate checked
More details - UniWyo Credit UnionShare CertificateCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Minimum deposit and minimum balance of $100. Early withdrawal penalty is imposed. Additional deposits cannot be made after the certificate is open. Automatically renews at maturity. Military affiliated members and primary account holders of eligible Youth Accounts are eligible for a 0.50% APY bump on new Share Certificates.
3.84% interest rate · Effective Oct 15, 2026
Rate checked
More details - FirstLight Federal Credit UnionShare CertificateCD · 12 months · $500 min · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.
3.83% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $24,999Your amount 3.90% $25,000 – $99,999 3.95% $100,000 and up 4.00% Rate checked
More details - First Community Credit UnionRegular Certificate of DepositCD · 12 months · $500 min · 3.90%–3.95% by balance
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate by balance
Rate by balance for Regular Certificate of Deposit Balance APY Up to $100,000Your amount 3.90% $100,000 and upFor balances > $100K. 3.95% Rate checked
More details - Discovery Federal Credit UnionCertificatesCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Fixed rate for the term of Certificate. Minimum balance requirement of $100. Assumes dividends remain on deposit and subject to change.
3.83% interest rate · Effective Oct 1, 2026
Rate checked
More details - UNB BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Penalty may be imposed for withdrawals before maturity. Annual Percentage Yield based on monthly compounding. Minimum balance not required to maintain APY.
3.83% interest rate · Effective Sep 22, 2026
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More details - Logix Federal Credit UnionRegular CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000with conditionsRequirements
Product: Logix membership required. Rates based on Relationship Rewards tier (Base, Silver, Gold, Platinum). 91-Day to 60-Month terms. $1,000 minimum opening deposit. Dividends earned daily, compounded monthly. Early withdrawal penalty applies.
Offer: Platinum Tier APY. 12-Month term.
Qualified rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - ESB Banking & InsuranceCertificates of DepositCD · 12 months · $1,000 min · 3.80%–3.90% by balance
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
Offer: Compounding & Auto Deposit Plans; balance less than $10,000.
3.80% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.80% $10,000 and upYour amount 3.90% Rate checked
More details - Magnifi FinancialCertificatesCD · 12 months · $500 min · 3.90%–4.05% by balance
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Rates subject to change without notice. Dividends compound monthly. Minimum opening deposit $500. Automatically renewable. Penalty for early withdrawal: Terms of less than 9 months = 90 Days' Dividends; Terms of 9 months but less than 24 months = 180 Days' Dividends; Terms of 24 months and greater = 365 Days' Dividends. Penalty waived for withdrawals of up to 10% of opening balance one time during certificate term.
3.83% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 – $24,999Your amount 3.90% $25,000 – $49,999 3.90% $50,000 – $99,999 4.00% $100,000 – $149,999 4.05% $150,000 and up 4.05% Rate checked
More details - Alliance Credit UnionCertificates of DepositCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
Offer: Ages 0-19
3.85% interest rate · Compounded quarterly
Rate checked
More details - Community Bank of CameronCertificate of Deposit (CD)CD · 12 months · $1,000 min · 3.75%–4.00% by balance
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Compounded quarterly. Early withdrawal penalties may apply.
Offer: 12 Month term.
3.70% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 and up 3.75% $10,000 and upYour amount 3.90% $20,000 and up 4.00% Rate checked
More details - The Napoleon State BankCertificates of DepositCD · 12 months · $500 min · 3.90%–3.95% by balance
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Interest compounded, deposited into an account, transferred or paid by check. Terms vary up to 60 months. Minimum balance requirements and substantial penalties for early withdrawal vary based on term or type of certificate. Auto renewal for all CDs with 10-day grace period for CDs longer than 32 days. All interest rates are compounded daily and credited semi-annually. A minimum of $500 is required to open account and obtain disclosed APY. Penalty may be imposed for early withdrawal.
Offer: Minimum deposit $500.00. Standard rate tier.
3.83% interest rate · Compounded daily · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $50,000Your amount 3.90% $50,000 and up 3.95% 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
5,350 CDs at 4,379 banks and credit unions · checked Oct 22–25
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.40%
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