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 1321–1335 of 5,354 results
- Freedom Federal Credit UnionRegular Share CertificateCD · 12 months · $300 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 of $300 for regular share accounts; $5 minimum deposit for youth club members under 18 years of age. Early withdrawal penalty may apply.
Offer: $300 minimum opening deposit ($5 for youth club members under 18)
Promotional rate · 3.75% interest rate · Effective Sep 25, 2026
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More details - Sandia Area 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: Sandia Area Federal Credit Union membership required. Dividends are compounded and credited monthly. Assumes principal and interest remain on deposit for the term selected. Early withdrawal of up to 50% without penalty is permitted once per term for certificates opened on or after 10/23/2023.
3.74% interest rate · Effective Oct 14, 2026
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More details - 3.80%APY$380 over 1 year on $10,000intro rate
Requirements
Offer: Standard rate. 90 day interest early withdrawal penalty applies.
Promotional rate
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More details - Global Credit UnionCertificate AccountCD · 12–17 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APYwith conditionsRequirements
Product: Open a certificate with as little as $500. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
Qualified rate · 3.74% interest rate
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More details - ONE – Federal Credit UnionShare CertificateCD · 12 months · $250 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Fixed dividend rate and APY for the term; assumption that dividends remain on deposit until maturity. Early withdrawal penalty applies. Bump-up option available once during the term. Does not renew automatically at maturity.
Offer: Dividends compounded and credited at term end.
3.80% interest rate · Effective Jul 1, 2026
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More details - East Texas Professional Credit UnionTerm Share 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: ETPCU membership required. A minimum of $1,000 is required to open and maintain on a daily basis to earn APY. Early withdrawal penalty may be imposed. Term Share Certificate balances $100K and above receive a 0.10% dividend increase.
Offer: 12 Month Term Share Certificate. Compounded & Credited Quarterly. Balances $100K and above receive a 0.10% dividend increase.
3.75% interest rate · Effective Oct 1, 2026
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More details - Spring Valley BankCertificates 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: Fixed rate for the term. Penalty for early withdrawal.
Offer: 1 Year CD. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P).
3.73% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - ROLLING F CREDIT UNIONCertificate of DepositCD · 12 months · $10,000 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, or worship in Stanislaus or Merced county, CA). Paid with compound interest. Early closure penalty is 90 days interest. Fixed for the term purchased. Dividends based on average daily balance and posted monthly for non-IRA Certificate Accounts.
3.73% interest rate · Balance cap $999,999,999.99 · Effective Oct 1, 2026
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More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 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: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.74% interest rate
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More details - Bridge Credit UnionSecond Chance 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: Option to bump up rate (one time for certificates under 24 months and twice for certificate over 24 months) requires contacting Bridge before the original certificate maturity date. Bump rate must be of the equal term of the original certificate.
Offer: Everyday APY tier.
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More details - River Valley Credit UnionCertificatesCD · 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: Dividends are compounded monthly on Certificates. Early withdrawal penalties apply. Membership eligibility required (live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties).
Offer: Bump one time: In the event that the qualifying certificate rate increases during the term, certificate rate may be increased, at member's request, to the newer rate. One rate change permitted during the term of the certificate.
3.74% interest rate · Compounded monthly · Effective Oct 5, 2026
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More details - USALLIANCE FinancialStep-Up CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$380 over 1 year on $10,000intro rateRequirements
Product: Member can request a one-time rate increase prior to maturity matching the USALLIANCE rate posted for current Step-Up certificate with same original maturity.
Promotional rate · 3.73% interest rate · Effective Oct 1, 2026
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More details - Affinity PlusBasic 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: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
3.74% interest rate
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More details - HomePride 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; all interest is forfeited for early withdrawal. Interest calculated using Daily Balance Method. Terms range from 91 days to 60 months. Interest payment options: reinvest, transfer to another account, or receive a check.
Offer: 12 Month Certificate of Deposit. Minimum balance to obtain APY is $500.00.
3.75% interest rate · Effective Sep 16, 2026
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: Interest compounded quarterly. Penalty may be imposed for early withdrawals.
3.75% interest rate · Compounded quarterly · Effective Sep 22, 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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