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 1276–1290 of 5,354 results
- WesTex Community Credit UnionCertificates of DepositCD · 12 months · $500 min · 3.80%–3.85% by balance
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: All interest earned may be withdrawn at any time without penalty. If any of the original CD balance is withdrawn before maturity, a 90-day interest penalty is assessed.
3.75% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $250,000Your amount 3.80% $250,000 and up 3.85% Rate checked
More details - HEB Federal Credit UnionFlex Share CertificateCD · 6–18 months · $10,000 min
Credit union · Add a location to see nearby branches
3.80%APYRequirements
Product: New accounts only (6-18 months; listed under balances greater than $9,999.99 requiring $10,000.00 to open and on deposit each day to earn dividends; additional deposits not permitted after opening; membership required).
Offer: Requires $10,000.00 to open and $10,000.00 on deposit each day to earn dividends.
3.73% interest rate · Effective Oct 1, 2026
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 6–12 months
Credit union · Add a location to see nearby branches
3.80%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 6 months (180-364 days). Standard rate.
Qualified rate · 3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - Canyon View Credit Union12-Month Access Share CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Minimum $500 to open; consumer only; balance must not fall below $100 to keep account open. Members have one penalty-free withdrawal per calendar quarter; additional withdrawals may incur a penalty on dividends. Certificate will stay an access certificate at maturity. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
3.74% interest rate
Rate checked
More details - UPS Employees Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Dividends compounded and paid monthly. 10-day grace period at maturity to make changes or withdraw funds. Automatically renews into the same certificate term. Early withdrawal penalties may apply.
3.73% interest rate
Rate checked
More details - Glass Cap Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Rates are subject to change please contact the Credit Union for current rates.
3.75% interest rate · Effective Oct 20, 2026
Rate checked
More details - Vida Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Terms from 3 to 60 months. Dividends paid monthly and may be added to certificate or paid out to another Vida account. Upon maturity, 7 calendar day grace period to renew, change terms/balance, or withdraw without penalty; otherwise auto-renews at prevailing rate. Early withdrawal penalties apply. $0 monthly fee.
Offer: Early withdrawal penalty 90 days of dividends. Dividend rate 3.73%.
3.73% interest rate · Effective Oct 21, 2026
Rate checked
More details - Unity Catholic FCUTerm Share CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,0003.75% interest rate · Effective Oct 23, 2026
Rate checked
More details - Members Choice Credit UnionShare Certificate of Deposit (CD)CD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Open to anyone living or working in Darke County. Insured up to $250,000 per account by American Share Insurance (ASI); not federally insured.
3.75% interest rate · Effective Sep 22, 2026
Rate checked
More details - OHecuTerm Share CertificatesCD · 12–17 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APYwith conditionsRequirements
Product: Minimum deposit to open is $500.00. Early withdrawal penalty may apply. Maturity in whole months only. APY is for minimum term only.
Offer: Standard Rate tier.
Qualified rate · 3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Blaze Credit UnionCertificate BuilderCD · 12 months · $25 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Minimum opening deposit of $25. Allows unlimited additional deposits during the term. Early withdrawal penalty applies (30 days dividends). Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly.
3.75% interest rate · Effective Sep 28, 2026
Rate checked
More details - First Federal Bank of Kansas CityCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: FDIC insured up to $250,000. No fees or monthly maintenance service charge. Automatic renewal options. Must be a US resident or permanent resident alien and at least 18 years old to open online.
Offer: Penalty for early withdrawal.
3.75% interest rate · Effective Oct 23, 2026
Rate checked
More details - Michigan United Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Early withdrawals are subject to a penalty equal to 90 days' interest, which may reduce the principal. APY assumes interest remains in the certificate and is compounded. If interest is transferred to another account, interest will not compound and APY will not apply; only the stated interest rate will apply.
Offer: Early withdrawals are subject to a penalty equal to 90 days' interest. APY assumes interest remains in the certificate and is compounded.
3.75% interest rate · Effective Oct 23, 2026
Rate checked
More details - Garden Plain State BankCertificates of Deposit AccountCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Rates are subject to change without notice. Rates may change after the account is opened. Fees may reduce earnings.
3.75% interest rate · Effective Dec 9, 2025
Rate checked
More details - Wichita Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Minimum opening deposit: $500. Terms available from 3 months to 5 years. Automatic renewal available at maturity. Early withdrawal penalty applies (90 days interest for terms up to 6 months, 180 days interest for terms 1 year and longer).
Offer: Early withdrawal penalty: 180 days interest. Dividend period: Quarterly.
3.75% interest rate · Effective Sep 30, 2025
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
5,354 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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