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 1306–1320 of 5,354 results
- ESB Banking & InsuranceCertificates of DepositCD · 12 months · $1,000 min · 3.70%–3.80% by balance
Bank · Add a location to see nearby branches
3.80%APY$380 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: Check Plan (Interest via check); balance less than $10,000.
3.70% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.70% $10,000 and upYour amount 3.80% Rate checked
More details - Ideal Credit UnionRegular 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: Interest is compounded and credited on a monthly basis. Penalty for early withdrawal.
Effective Oct 16, 2026
Rate checked
More details - First Alliance Credit UnionCertificate of DepositCD · 12 months · $500 min · 3.80%–4.05% by balance
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Fixed interest rate for the CD term. Minimum deposit is $500.00. No monthly service fees or charges. Auto-renewal options are available. Early withdrawal penalties may apply.
3.74% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $100,000Your amount 3.80% $100,000 – $250,000 3.95% $250,000 and up 4.05% Rate checked
More details - Community Bank of MissouriCertificates 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: For both short- and long-term savings, ranging from 30 days to 60 months. Minimum balance to open is $500.00. An interest penalty may be imposed for early withdrawals.
Offer: An interest penalty may be imposed for early withdrawals. 12 Month CD.
3.75% interest rate · Effective Apr 1, 2026
Rate checked
More details - Community Bank of MissouriDream Savers Certificate of DepositCD · 12 months · $200 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Deposits may be made in the amount of $20.00 or more at any time. Funds may be withdrawn without penalty under certain circumstances such as buying or renovating a home, medical, or college expenses.
Offer: An interest penalty may be imposed for early withdrawals. Criteria for withdrawal without penalty: Purchasing a home, medical emergency or college tuition. Minimum balance to open is $200.00.
3.75% interest rate · Effective Apr 1, 2026
Rate checked
More details - Polish-American FCUCertificatesCD · 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 may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.
Offer: Standard APY. Rates may increase .2% (APY as high as 4.00%) when a member qualifies for loyalty benefits.
Effective Oct 15, 2026
Rate checked
More details - Denison State 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 $10,000intro rateRequirements
Product: Compounded and credited quarterly. Daily balance method used to calculate interest paid. Automatic renewals. Penalty of forfeited interest paid may be imposed for early withdrawal.
Offer: Interest compounded and credited quarterly.
Promotional rate · 3.75% interest rate · Effective Oct 14, 2026
Rate checked
More details - EPIC Federal Credit UnionTerm Share CertificatesCD · 12–18 months · $1,000 min · 3.80%–3.90% by balance
Credit union · Add a location to see nearby branches
3.80%APYwith conditionsRequirements
Product: Regular Tier Share Certificates have tiered rates based on total balances in all savings accounts (except IRAs)
Qualified rate · 3.73% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $50,000Your amount 3.80% $50,000 – $100,000 3.85% $100,000 and up 3.90% Rate checked
More details - Security BankCertificates of DepositCD · 12 months · $2,000 min
Bank · 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 $2,000 in the account each day to obtain the disclosed APY. Interest compounded quarterly and stays on deposit until maturity. Early withdrawal penalty may apply. Automatically renews 10 days after maturity for the same term at the current interest rate.
Offer: Term: 12 Months. Must maintain a minimum daily balance of $2,000 each day to obtain disclosed APY.
3.75% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate checked
More details - Peoples Trust & Savings BankCertificates 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: A penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum opening deposit of $500.00. Rates are subject to change without notice.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Effective Jul 14, 2026
Rate checked
More details - Middlesex Savings BankCertificate of DepositCD · 12 months · $250 min
Bank · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - St. Mary's 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: St. Mary's Credit Union membership eligibility required. No setup or maintenance fees. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
3.68% interest rate
Rate checked
More details - Fidelis Catholic Credit UnionShare CertificatesCD · 12–23 months
Credit union · Add a location to see nearby branches
3.80%APYRequirements
Product: Membership eligibility applies. Fees or withdrawals may reduce earnings. APY and interest rates may change after account opening.
Offer: Compounded monthly.
3.74% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - Denver Fire Department 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: Requires DFDFCU membership (purchase and maintain 1 share, par value $25.00). Fixed rate; dividends paid and compounded monthly. All Certificates of Deposit have a $500 minimum balance requirement. Share certificates auto-renew upon opening with a 5-day grace period. Early withdrawal penalty is 90 days' dividends.
3.74% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - SECU Credit UnionCertificate of DepositCD · 12 months
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: $500 required to open a Certificate of Deposit, $100 for add-on CD, $100,000 for jumbo CD. Early withdrawal penalty may apply. Membership eligibility required.
Offer: Requires SECU Total Checking - Platinum level in the last 3 months; must be opened in a branch, Virtual Financial Center, or via mail.
3.75% interest rate · Effective Aug 26, 2026
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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