Best 1 year CD Rates
Compare 1 year certificate of deposit rates from FDIC-insured banks. Lock in a guaranteed return with no risk.
Last updated: May 14, 2026
| Bank | APY | Min. Deposit | Early Withdrawal Penalty | |
|---|---|---|---|---|
BestGECU | 4.23% | $50 | Varies | Visit → |
Pelican State Credit Union | 4.18% | $500 | Varies | Visit → |
Abound Credit Union | 4.15% | $0 | Varies | Visit → |
Mirastar Federal Credit Union | 4.10% | $0 | Varies | Visit → |
E*TRADE from Morgan Stanley | 4.10% | $0 | Varies | Visit → |
Pacific National Bank | 4.10% | $0 | Varies | Visit → |
Popular Direct | 4.05% | $10 | Varies | Visit → |
United Fidelity Bank, fsb | 4.05% | $1 | Varies | Visit → |
USALLIANCE Financial | 4.05% | $500 | Varies | Visit → |
Limelight Bank | 4.03% | $1 | Varies | Visit → |
AmeriCU | 4.00% | $500 | Varies | Visit → |
Summit Credit Union (WI) | 4.00% | $0 | Varies | Visit → |
CIBC Bank USA | 4.00% | $1 | Varies | Visit → |
Farmers Insurance Federal Credit Union | 4.00% | $0 | Varies | Visit → |
Marcus by Goldman Sachs | 4.00% | $500 | Varies | Visit → |
Merrick Bank | 4.00% | $25 | Varies | Visit → |
Other CD Terms
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CD Ladder Calculator →Frequently Asked Questions
What is the best 1 year CD rate right now?
The best 1 year CD rate is currently 4.23% from GECU. Rates are verified and updated regularly.
Is a 1 year CD a good investment?
A 1 year CD is a safe, FDIC-insured investment that locks in a guaranteed rate. Shorter-term CDs offer more flexibility with competitive rates.
What happens when my CD matures?
When your CD matures, you can withdraw your principal plus earned interest penalty-free. Most banks will auto-renew into a new CD at current rates if you take no action, so set a reminder.