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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2.65%
$1k-$662
State Bank of India (IL)Senior Citizens 1 Year CD3 Reviews
2.63%
$2.5k-$658
State Bank of India12 Month Senior Citizen CD2 Reviews
2.62%
$25k-$655
2.60%
$25k-$650
2.53%
$500-$742
State Department FCU12 Month Certificate7 Reviews
2.52%
$500-$630
AFFCU1 Year CD1 Review
2.51%*
$25k-$627
2.50%
$1k$1m$625
BrioDirectHigh-Rate 12 Month CD1 Review
2.50%
$500-$625
Citizens AccessOnline 12 Month CD21 Reviews
2.50%
$5k-$625
2.50%
$25k-$625
nbkc bank10 Month CD Special2 Reviews
2.50%
$10k-$521
2.45%
$2.5k-$665
2.45%
$2.5k$250k$612
Merrick Bank12 Month CD
2.45%
$25k-$612
Elements Financial14 Month CD Special4 Reviews
2.40%
$1k$250k$703
2.40%
$500-$652
Pacific National Bank13 Month Online Promotional CD - New Money3 Reviews
2.40%
$1k$240k$652
Rising Bank1 Year Term CD9 Reviews
2.40%
$1k$500k$600
TIAA Bank1 Year Yield Pledge CD20 Reviews
2.40%
$5k$1m$600
Capital One12 Month 360 CD408 Reviews
2.40%
--$600
2.40%
$1.5k$250k$600
2.40%
$500-$600
2.40%
$2.5k-$600
2.40%
$1k$500k$600
2.40%
$2k-$600
2.40%
$1k-$600
Barclays12 Month Online CD217 Reviews
2.40%
--$600
Communitywide FCU12 Month Share Certificate4 Reviews
2.40%
$2k-$600
2.40%
$1.5k$10m$600
Ally BankHigh Yield 12 Month CD698 Reviews
2.40%*
--$600
2.38%
$1k-$595
2.38%*
$500-$595
My eBanc12 Month Online Time Deposit14 Reviews
2.35%
$5k-$588
Capital Educators FCU12 Month Idaho MSA Promotional Certificate4 Reviews
2.35%
$500-$588
Alliant Credit Union12 - 17 Month Jumbo Share CD46 Reviews
2.35%
$25k-$584
2.35%
$250-$490

Displaying 1-40 of 213 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 [email protected] 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.