1-Year CDs
Best 1-Year CD Rates
The 1-year CD is the benchmark term — the one most banks compete on, and the easiest to compare. A 12-month CD gives you a full year of fixed interest and a clear date to revisit your plan. The top widely available listing in our table pays 4.65% APY, compared with a national average of 2.15%.
23 CD listings shown.
| Listing | APY | Term | Min. deposit | Early withdrawal | Display date ? | Actions |
|---|---|---|---|---|---|---|
| Regional credit unionListing #N3KVM · details on inquiryCredit union · NCUAJumbo | 5.23% | 13 months | $100,000 | Confirm with institution | CD marketplace data |
Inquire about this CD for listing N3KVM, 5.23% 13 months |
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| Brokered CD from an FDIC-insured bankListing #5GJBA · details on inquiryBrokered · FDIC | up to 4.80% | 1 year | $1,000 | No bank penalty; can be sold on the secondary market, possibly for less than you paid | Brokerage's published rates |
Inquire about this CD for listing 5GJBA, 4.80% 1 year |
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| Online bankListing #65QCX · details on inquiryBank · FDIC | 4.65% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 65QCX, 4.65% 1 year |
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| Online bankListing #FXH53 · details on inquiryBank · FDIC | 4.65% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing FXH53, 4.65% 1 year |
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| Online bankListing #4NLPG · details on inquiryBank · FDIC | 4.65% | 11 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 4NLPG, 4.65% 11 months |
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| FDIC-insured bankListing #K6NYM · details on inquiryBank · FDIC | 4.64% | 1 year | $25,000 | Confirm with institution | Financial news publisher |
Inquire about this CD for listing K6NYM, 4.64% 1 year |
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| Online bankListing #Z4SX2 · details on inquiryBank · FDIC | 4.60% | 1 year | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing Z4SX2, 4.60% 1 year |
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| Online bankListing #YS27D · details on inquiryBank · FDIC | 4.55% | 1 year | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing YS27D, 4.55% 1 year |
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| FDIC-insured bankListing #CSJSN · details on inquiryBank · FDIC | 4.50% | 11 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing CSJSN, 4.50% 11 months |
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| Online bankListing #MAG3B · details on inquiryBank · FDIC | 4.50% | 1 year | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing MAG3B, 4.50% 1 year |
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| Credit unionListing #6ND7M · details on inquiryCredit union · NCUA | 4.50% | 1 year | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6ND7M, 4.50% 1 year |
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| Online bankListing #YJQHA · details on inquiryBank · FDIC | 4.50% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing YJQHA, 4.50% 1 year |
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| Online bankListing #59G3S · details on inquiryBank · FDIC | 4.50% | 1 year | $2,500 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing 59G3S, 4.50% 1 year |
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| Online bankListing #PEHZ3 · details on inquiryBank · FDICNo-penalty | 4.46% | 1 year | $1,000 | None — penalty-free CD with unlimited partial withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing PEHZ3, 4.46% 1 year |
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| Online bankListing #8UMTJ · details on inquiryBank · FDIC | 4.40% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 8UMTJ, 4.40% 1 year |
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| Credit unionListing #J9KEW · details on inquiryCredit union · NCUA | 4.35% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing J9KEW, 4.35% 1 year |
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| Online bankListing #KFVQV · details on inquiryBank · FDIC | 4.35% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing KFVQV, 4.35% 1 year |
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| FDIC-insured bankListing #BPEX5 · details on inquiryBank · FDIC | 4.25% | 1 year | $500 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing BPEX5, 4.25% 1 year |
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| Credit unionListing #AE42P · details on inquiryCredit union · NCUANo-penalty | 4.25% | 11 months | $500 | None — penalty-free early closure (special offer) | Deposit-rate newsletter |
Inquire about this CD for listing AE42P, 4.25% 11 months |
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| Online bankListing #6DP3W · details on inquiryBank · FDICNo-penalty | 4.25% | 11 months | $1,000 | None — no-penalty CD | Rate comparison publisher |
Inquire about this CD for listing 6DP3W, 4.25% 11 months |
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| Online bankListing #XNHRT · details on inquiryBank · FDICNo-penalty | 3.80% | 13 months | $500 | None — no-penalty CD | Rate comparison publisher |
Inquire about this CD for listing XNHRT, 3.80% 13 months |
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| Online bankListing #DVDX8 · details on inquiryBank · FDICNo-penalty | 3.75% | 13 months | $5,000 | None — allows three penalty-free withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing DVDX8, 3.75% 13 months |
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| Online bankListing #KHV5U · details on inquiryBank · FDICNo-penalty | 2.90% | 11 months | No minimum | None — penalty-free early closure | Deposit-rate newsletter |
Inquire about this CD for listing KHV5U, 2.90% 11 months |
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No listings match these filters. Try a different term or deposit amount, or tell us what you're looking for.
APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures
Is a 1-year CD right for you?
Good fit if…
- You want a guaranteed return for exactly one year
- You’re setting aside an emergency reserve you can wait 12 months to touch
- You want a simple first rung for a CD ladder
Watch out for…
- Penalties for early withdrawal commonly range from 3 to 6 months of interest
- Some top offers are 11- or 13-month specials — check the exact maturity
- Rates can differ by thousands of dollars of interest at large balances
What $10,000 could earn
Put $10,000 in the top widely available listing at 4.65% APY for 1 year and you’d earn about $465.00. At the 2.15% national average, the same deposit would earn about $215.00 — a difference of $250.00. These estimates assume the APY applies for the full term and interest stays in the CD. Try your own numbers in the CD calculator.
How to choose a 1-year CD
- Confirm the maturity date lines up with when you’ll need the money.
- Check the minimum deposit and any membership requirement.
- Read the early withdrawal penalty so you know the cost if plans change.
- Keep within insurance limits — $250,000 per depositor, per institution, per ownership category.
- Verify the live rate on the institution’s site before you apply.
1-Year CD FAQs
What are the best 1-year CD rates today?
The highest 1-year listing in our table is shown at the top of this page, alongside every other 11- to 13-month CD we track, each with its source and date. Today’s top rates are well above the 2.15% national average.
How much does a $10,000 1-year CD earn?
At 4.50% APY, $10,000 earns $450 over a year. At the national average rate, it would earn far less — which is why shopping around matters.
Is an 11-month or 13-month CD the same as a 1-year CD?
Close, but not identical. These “odd-term” CDs are often promotions. We group 11- to 13-month CDs on this page and show the exact term in each row.
No questions match that search. Ask us directly.
Want help choosing a 1-year CD?
Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.
Compare CD options Free to use. Availability and eligibility vary by institution.