Featured 1-Year CD Rates
Featured Accounts

1 Year CD Rates

Compare 1 year CD rates (certificate of deposit rates) from thousands of banks and credit unions. We track daily rates for thousands of institutions to help you find the best deal on your next CD.

Deposit Amount
$1 $100,000
Advanced options

Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

214 Results

Nationwide Only
Connexus Credit Union12 Month Certificate 24 Reviews
Amboy Direct12 Month eSavings CD3 Reviews
Banesco USA12 Month CD
CD Bank12 Month CD
Andrews FCU12 Month Jumbo Share Certificate24 Reviews
EverBank1 Year Yield Pledge CD24 Reviews
My e-BAnC by BAC Florida BankBAC Internet Time Deposit 12 Months13 Reviews
M.Y. Safra Bank12 Months Online Promo CD (New Money)2 Reviews
Melrose Credit Union1 Year Share Certificate20 Reviews
Home Savings Bank12 Month Internet Only CD Special
KS StateBank1 Year CD
CIT Bank1 Year Term CD136 Reviews
State Department FCU12 Month Certificate4 Reviews
Giantbank.com12 Month Personal CD1 Review
PenFed Credit Union1 Year Money Market Certificate58 Reviews
Fort Knox FCU14 Month CD Special18 Reviews
Pacific National Bank12 Month CD (Online Specials Only)
Popular Direct1 Year Popular Direct CD21 Reviews
Incredible BankIncredible 13 Month CD24 Reviews

Displaying 1-40 of 214 Results

1-Year CD Rates

CD rates, or certificate of deposit rates, are offered in a variety of maturity dates. The 1-Year CD rates in the table above are listed based on Annual Percentage Yield, from the highest interest rates to the lowest. By clicking on the plus button to the left of an offering, you can view account details and rate history for that particular product. If you click on the bank or credit union’s name, you will be taken to our hub for that financial institution. On this hub page, you can view a map of the branch locations, other product rates, and consumer reviews.

1-Year CD Rate History – Average APY (%) Rate Trend over Time

What is a 1-Year CD?

A 1-Year CD is defined by the Federal Reserve as a time deposit, and is sometimes called a 12-Month CD. A depositor who makes a time deposit at a given financial institution typically cannot withdraw any of the funds deposited until the end of an agreed upon time period (the duration of the CD term), unless he or she pays an early withdrawal penalty, as agreed upon with that institution. At FDIC and NCUA insured institutions, which cover the vast majority of banks and credit unions in the United States, your deposits are covered up to $250,000. Check the ‘Overview’ section on the bank or credit union’s hub page to see whether a particular institution you are interested in is insured.

What Are CDs Used For?

Many savers use CDs to store cash for a fixed period of time, during which they don’t think that they will need to access the committed funds. The 1-Year CD is a secure way to grow savings over a short period of time and will typically gain slightly more in interest than a high interest savings account over that period. Many banks and credit unions will allow you to sign up for and fund a CD online, but most require you to mail in a signed authorization form for confirmation. From time to time interest rates will increase during a period of CD ownership. We have a CD calculator available to help you determine if and when it is wise to break a CD in order to take advantage of an increasing rate environment.

The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.

* The APY shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.