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 1201–1215 of 5,354 results
- High Country BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Fixed rate and term ranging from 6 months to 5 years. All certificates have a $500.00 minimum balance requirement to open the account and obtain the Annual Percentage Yield.
3.75% interest rate
Rate checked
More details - Valley Credit UnionTerm Share CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000intro rateRequirements
Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
Offer: Compounding monthly. A penalty applies for early withdrawal.
Promotional rate · 3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - City Federal Credit UnionShare CertificatesCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply to term Share Certificates. Early withdrawal penalty may reduce earnings on account.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Hidden River Credit UnionShare Certificates of DepositCD · 12 months · $500 min · 3.82%–3.87% by balance
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Minimum deposit of $500 is required to open a Certificate of Deposit ($75,000 for Jumbo). Additional deposits not allowed after account is open. APY assumes principal and dividends remain on deposit until maturity. Early withdrawal penalties apply. Certificate automatically renews (7-day grace period at maturity). Dividends compounded and paid monthly.
Offer: Regular CD tier. Early withdrawal penalties apply. Automatically renews.
3.75% interest rate
Rate by balance
Rate by balance for Share Certificates of Deposit Balance APY $500 – $75,000Your amount 3.82% $75,000 and up 3.87% Rate checked
More details - Desco Federal Credit UnionShare CertificatesCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Add .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over. Certificates must be at least $2,500 to qualify for monthly dividend payments. Advantage Plus Checking PLUS Benefit: .25 added to Share Certificates of $25,000 or more.
Offer: Certificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Malden Federal Credit UnionCertificate AccountCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: With a minimum balance of $500.00, funds earn higher dividends. Dividends are compounded monthly. All certificates are subject to an early withdrawal penalty of 3 months' dividends. Automatically renewed unless instructed otherwise; notices mailed 30 days prior to maturity date.
Offer: Minimum amount $500.00.
3.75% interest rate · Compounded monthly · Effective Aug 28, 2026
Rate checked
More details - LNB Community BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Penalties may apply for early withdrawal of funds. Interest earned can be added to Certificate, mailed by check, or deposited into an LNB Community Bank checking or savings account.
3.75% interest rate · Effective Sep 22, 2026
Rate checked
More details - Maine Highlands Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Rates quoted monthly (rate fixed for the term of the certificate). Dividends pay monthly, calculated at simple interest and compounded monthly.
Offer: A penalty may be imposed for early withdrawal.
3.75% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - Magnolia Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min · 2.02%–3.82% by balance
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Minimum balance of $1,000 required to open and obtain advertised APY for standard tiers, or $2,500 for higher-rate tiers. A penalty may be imposed for early withdrawal. Rates vary by branch location (Mississippi / Texas).
2.00% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 2.02% $2,500 and upYour amount 3.82% Rate checked
More details - Highmark Federal Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000with conditionsRequirements
Product: Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Honors and Platinum rates apply to Honors and Platinum Rewards Members (* indicates Dividend Rate). Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials.
Offer: Applies to Platinum Rewards Members (* indicates Dividend Rate).
Qualified rate · 3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - evolve Federal Credit UnionBoost Advantage CD SaverCD · 12 months · $50 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Unlimited deposits are allowed into the CD saver. Earnings are paid on a quarterly basis. Withdrawals are not allowed.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Texas Plains Federal Credit UnionShare CertificatesCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,0003.75% interest rate · Effective Sep 28, 2026
Rate checked
More details - Rio Grande Valley Credit UnionCertificates of Deposit (CDs)CD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Calculated by using Simple Daily Interest. Early withdrawal penalty will apply if terms of certificate are changed before the maturity date.
Offer: $1,000.00 Minimum Average Daily Balance Required to Earn Interest. Early withdrawal penalty may apply if terms of certificate are changed before the maturity date.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Capstone Federal Credit UnionCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Minimum opening deposit and balance to earn interest is $1,000. Early withdrawal penalty applies. Institutional and Public Funds are not eligible; members are eligible.
3.75% interest rate · Effective Sep 21, 2026
Rate checked
More details - First National Bank in OlneyCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Automatically renewable at maturity unless otherwise stated. Penalties for early withdrawal will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term.
Offer: Compounding frequency: Monthly.
3.75% interest rate · Effective Sep 15, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay nationwide
5,354 CDs at 4,382 banks and credit unions · checked Oct 22–25
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.06%
- Credit unions, typical
- 3.40%
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