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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.

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203 Results

Nationwide Only
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USALLIANCE Financial12 Month CD Special - New Money35 Reviews
2.75%
$500-$689
State Bank of India12 Month Senior Citizen CD
2.68%
$25k-$672
2.65%
$2k-$720
iGObanking12 Month iGOCD30 Reviews
2.65%
$1k-$664
BankPurely12 Month PurelyCD
2.65%
$1k-$664
M.Y. Safra Bank12 Month Online Promo CD 3 Reviews
2.65%
$500-$664
TIAA Bank1 Year Yield Pledge CD10 Reviews
2.65%
$5k-$662
Alliant Credit Union12 - 17 Month Jumbo Share CD45 Reviews
2.65%
$25k-$659
Limelight Bank12-Month CD
2.61%
$1k$500k$654
Fort Knox FCU14 Month CD Special22 Reviews
2.60%
$500-$762
2.60%
$1k-$652
PurePoint Financial12 Month Online CD
2.60%
$10k-$652
CD Bank12 Month CD
2.60%
$10k-$652
2.60%
$25k-$650
Vio Bank12 Month High Yield Online CD
2.55%
$500-$639
Congressional Bank12 Month Personal High Yield CD Special
2.55%
$25k-$639
2.53%
$1k-$634
My eBanc12 Month Online Time Deposit13 Reviews
2.53%
$5k-$634
2.52%
$10k-$632
McGraw Hill FCU14 Month CD Promo (New Money)
2.50%
$1k$1m$733
EBSB Direct14 Month CD Special2 Reviews
2.50%
$1k-$733
2.50%
$10k-$679
Capital One12 Month 360 CD389 Reviews
2.50%
--$627
Banesco USA12 Month CD
2.50%*
$1.5k-$627
NexBank12 Month CD1 Review
2.50%
$10k-$627
2.50%
$2.5k-$627
Connexus Credit Union12 Month Certificate 30 Reviews
2.50%
$5k-$627
Communitywide FCU12 Month Share Certificate4 Reviews
2.50%
$2k-$627
Citizens AccessOnline 12 Month CD
2.50%
$5k-$627
Pacific National Bank12 Month Online Promotional CD (New Money Only)2 Reviews
2.50%
$1k$240k$627
2.50%
$2.5k$250k$625
Popular Direct1 Year Popular Direct CD
2.50%
$10k-$625
2.45%
$500-$614
MutualOne BankOnline 13 Month CD3 Reviews
2.43%
$500-$660
Luther Burbank Savings12 Month CD Special - New Money5 Reviews
2.40%
$1k-$602

Displaying 1-40 of 203 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 APY (Annual Percentage Yield) 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.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers 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 info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.