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 1291–1305 of 5,354 results
- First Pioneers FCUShare CertificatesCD · 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: Membership eligibility required (live, work, worship, or attend school in specified parishes or immediate family of members). Early withdrawal penalties apply.
3.74% interest rate
Rate checked
More details - MIT Federal Credit UnionCertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 (for Regular share certificate types) in your account each day to obtain the disclosed APY. Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Share Certificate accounts. Dividends are compounded daily and paid monthly. Share Certificate APY assumes dividends are retained in the Certificate.
3.73% interest rate · Compounded daily · Effective Oct 22, 2026
Rate checked
More details - First National Bank of AbseconCD SpecialsCD · 12 months · $10,000 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000intro rateRequirements
Product: This offer is for new money ONLY. Minimum deposit of new money required to earn advertised APY up to a maximum of $250,000. Assumes interest remains on deposit to maturity. Penalties for early withdrawal apply. Offer may be withdrawn at any time.
Offer: New money only. Maximum $250,000 for advertised APY.
Promotional rate · 3.75% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
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More details - Arlington Community 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 $10,000with conditionsRequirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.
Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)
Qualified rate · Effective Apr 17, 2026
Rate checked
More details - Goldenwest Credit UnionFlex CertificateCD · 12 months · $50 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Regular share funds only; cannot be opened as an IRA certificate. Add money at any time. Penalty-free withdrawals during the first three business days of each quarter. Maximum of $250,000 per account. Bump option available. Dividends paid monthly.
Offer: Maximum of $250,000 per account. Available for regular share funds only.
3.74% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - Alpine Credit UnionAdvantage CertificateCD · 12 months · $25 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: 12-month term only. Auto renewal. Allows for deposits to be added any time during term. Automatic transfer available. No Early Withdrawal Penalty (EWP) for Qualified Withdrawal Reason. $25 minimum deposit. Maximum principal balance $250,000.
Offer: Allows for deposits to be added any time during term. Automatic transfer available. No EWP for Qualified Withdrawal Reason. Maximum principal balance $250,000.
3.75% interest rate · Balance cap $250,000
Rate checked
More details - America First Credit UnionFlexible Certificate AccountsCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.
Offer: One penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly.
3.74% interest rate · Balance cap $100,000 · Effective Oct 21, 2026
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More details - Atlantic 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: Early withdrawals are subject to penalty. 10-calendar-day grace period at maturity before automatic renewal.
3.74% interest rate · Effective Oct 19, 2026
Rate checked
More details - A+ Federal Credit UnionShare CertificatesCD · 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: Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.
Effective Oct 15, 2026
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More details - Bank of KampsvilleCertificate of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Interest Bearing Account. Early withdrawal penalty applies. Renewal terms apply.
Offer: Early withdrawal penalty: one month’s interest on the amount withdrawn. Auto-renews for identical term.
Effective Oct 9, 2026
Rate checked
More details - Farmers National BankCertificate of DepositCD · 12 months · $500 min · 3.70%–4.00% by balance
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Minimum $500 deposit Short and long-term maturities that range from 3 months to 5 years Competitive fixed interest rates Interest paid quarterly Early withdrawals subject to penalty CD automatic renews at maturity with the new interest rate and same maturity term so you may continue to earn a higher rate of return FDIC insured
3.65% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 3.70% $10,000 and upYour amount 3.80% $100,000 and up 4.00% Rate checked
More details - Farmers State Bank of Western IllinoisCertificates of Deposit (CDs)CD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,0003.75% interest rate · Effective Oct 13, 2026
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More details - Solvay BankCertificates of Deposit (CDs)CD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Offer: Certificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.73% interest rate
Rate checked
More details - Heritage Community Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000intro rateRequirements
Product: Minimum opening deposit $1,000.
Promotional rate · 3.74% interest rate · Effective Oct 14, 2026
Rate checked
More details - OC 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: Certificate rates fixed at time of investment. Minimum deposit $500.00. Total certificate balances qualify for rate. Substantial penalty for early withdrawal. Early withdrawal penalty is 180 days of dividends. Membership share of $5.00 required.
Offer: PremiumPlus Membership (Basic + 25 bps).
3.75% interest rate · Effective Oct 1, 2026
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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
5,354 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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