Best 1-year CD rates

Requirements

Product: Interest rate is fixed for the selected term. Interest may be credited to the CD, another deposit account, or paid by check. Substantial penalty for early withdrawal; penalty applies only to the portion of principal withdrawn. 10 calendar-day grace period after maturity to withdraw without penalty; otherwise the CD automatically renews. Redeeming during the grace period pays no interest from maturity to redemption.

Offer: 12 Month term. Minimum balance $1,000 to obtain APY. Substantial penalty for early withdrawal. Rates effective October 20, 2026 to October 26, 2026.

Requirements

Product: Penalty for early withdrawal. $500 is the minimum balance required to open account and earn APY. Annual Percentage Yield designated as APY and subject to change at any time.

Requirements

Product: Requires $500 to open. Includes a one-time rate bump option during certificate term if prevailing rate increases. Rate increase must be initiated by member; applies only to remainder of term and is not retroactive. Funds cannot be added after initial deposit. Early withdrawal penalty applies. Automatically renews as bump certificate for same term if auto-renew selected.

Offer: Includes one-time rate bump option during certificate term.

Requirements

Product: Dividends compounded and paid quarterly. Early withdrawal penalty is 90 days' dividends.

Requirements

Product: Penalty will or may be imposed for early withdrawal. Semi annual interest.

Offer: Semi annual interest. Penalty will or may be imposed for early withdrawal.

Requirements

Product: Earned dividends can be transferred to savings or checking or added to the certificate balance.

Requirements

Product: A penalty may be imposed for early withdrawal. Minimum deposit required to open all accounts is $1,000.00 unless otherwise stated.

Offer: 12 Months Certificates. A penalty may be imposed for early withdrawal.

Requirements

Product: Deposit account rates may change after account opening. Penalty for early withdrawals may be applied to Time Deposit accounts (CDs). * Daily Balance is the amount of principal in the account each day. ** The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity and that you always satisfy the Minimum Balance Requirement. A withdrawal or fees could reduce earnings.

Offer: Term: 12 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually.

Requirements

Product: CDs offer no fees, FDIC insurance, guaranteed fixed rates, and flexible payment options (check, add-back, direct deposit).

Requirements

Product: Minimum initial deposit of $1,000.00 required. Minimum balance required to open the CD to get the rate listed, as well as to maintain the account. Daily balance method used to calculate interest. Penalty may be imposed for early withdrawals.

Offer: Interest compounded semi-annually.

Requirements

Product: Fixed interest rate locked in for a specific period of time and paid until maturity. After opening, additional deposits or withdrawals cannot be made until maturity. Interest can be compounded and credited to the account or paid by check.

Offer: Interest compounded every 6 months. Early withdrawal penalty is 90 days interest.

Requirements

Product: Minimum deposit is $500.00. Early withdrawal penalty: 90 days interest for maturities up to and including 12 months; 365 days interest for maturities greater than 12 months. Insured up to $250,000 by American Share Insurance.

Requirements

Product: Fixed rates for the initial term. APY based on interest compounded semiannually. Interest may be paid monthly or quarterly for some certificates, added to the deposit, paid by check, or deposited into another account. Substantial penalty for early withdrawal. Automatically renewable. Balances insured up to $250,000 by the FDIC. A premium is offered on balances of $100,000 or more.

Offer: 12 Month CD term. Fixed rate for initial term; interest compounded semiannually.

Requirements

Product: Rates are guaranteed for the life of the certificate. Penalty for early withdrawal: 6 month and 12 month certificates have 30 days loss of interest; 24 month and 36 month certificates have 90 days loss of interest. APY may be lower if funds are withdrawn before maturity. Dividends will be deposited into Regular Share Account. Rates subject to change without notice.

Offer: Dividends are paid monthly into Regular Share Account. Early withdrawal penalty: 30 days loss of interest.

Requirements

Product: Fees may reduce earnings. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest. Automatically renews upon maturity after a 10 day grace period. No setup or maintenance fees.

Offer: Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate. Substantial penalty for premature withdrawal.