Browsing the web for the Best 1-Year CD Rates to invest your funds in? Well, you’re in the right spot. Below is our guide to help you find the Best 1-Year CD Rates. CDs, short for Certificate of deposits, will offer you one of the top & secure return on your money when you invest it with your bank/credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: Need to see a more full, extensive list of available CD rates before deciding? See our post on the Best National CD Rates or the Best Regional CD Rates.
Looking for a certain term? See below for our list of the best CD rates in the following terms:
- Best 6 or 9-Month CD Rates
- Best 18-Month CD Rates
- Best 2-Year CD Rates
- Best 3-Year CD Rates
- Best 4-Year CD Rates
- Best 5-Year CD Rates
| Best CD Accounts | ||||
|---|---|---|---|---|
| Account | Minimum | APY | ||
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | Synchrony Bank 15-Month CD Account | $2,000 | 2.85% | |
 | Discover Bank 12-Month CD Account | $2,500 | 2.65% | |
 | BBVA Compass Bank 36-Month CD Account | $500 | 2.35% |
Best 1-Year CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| America's Christian | 4.00% | $1K | $4K | 12-Month CD | Review |
| State Bank of India | 2.94% | $100K | --- | 12-Month Senior Citizen CD | Review |
| Advancial Federal Credit Union | 2.89% | $50K | --- | 1-Year Jumbo CD | Review |
| MutualOne Bank | 2.89% | $500 | --- | 13- Month CD | Review |
| Ally Bank | 2.85% | No Min | --- | 14-Month Select CD | Review |
| Hyperion Bank | 2.85% | $500 | --- | 13-Month Select CD | Review |
| Limelight Bank | 2.85% | $1K | --- | 12-Month CD | Review |
| Live Oak Bank | 2.85% | $2.5K | --- | 12-Month CD | Review |
| Banesco | 2.85% | $1.5K | --- | 12-Month CD | Review |
| Citizens Access | 2.85% | $5K | --- | 12-Month CD | Review |
| Rising Bank | 2.85% | $1K | 500K | 12-Month CD | Review |
| First Internet Bank | 2.81% | $1K | --- | 12-Month CD | Review |
| TIAA Bank | 2.81% | $5K | --- | 12-Month CD | Review |
| CD Bank | 2.80% | $10K | --- | 12-Month CD | Review |
| Community Credit Union | 2.80% | $25K | --- | 13-Month CD | Review |
| Connexus Credit Union | 2.80% | $5K | --- | 12-Month CD | Review |
Best 1-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Home Loan Investment Bank | CT, MA, RI | 3.15% | $100K | --- | 14-Month CD | Review |
| Royal Bank | IL | 3.14% | $1K | --- | 11-Month CD | Review |
| Goldenwest Credit Union | UT | 3.05% | $500 | --- | 11-Month CD | Review |
| North Bay Credit Union | CA | 3.02% | $1,000 | --- | 12-Month CD | Review |
| BankNorth | ND, SD | 3.01% | $1K | --- | 14-Month CD | Review |
| Unibank For Savings | MA | 3.00% | $500 | --- | 14-Month CD | Review |
| Jefferson Financial Credit Union | AL, LA | 2.96% | $10K | --- | 12-Month CD | Review |
| Rhinebeck Bank | NY | 2.95% | $10K | --- | 14-Month CD | Review |
| State Bank of India (IL) | IL | 2.95% | $2.5K | --- | 1-Year Senior Citizens CD | Review |
| Cross River Bank | NJ | 2.90% | $500 | --- | 12-Month CD | Review |
| Passumpsic Bank | VT, NH | 2.90% | $10k | --- | 13-Month CD | Review |
| Texas Exchange Bank | TX | 2.90% | $10K | --- | 12-Month CD | Review |
| Pelican State Credit Union | LA | 2.89% | $500 | --- | 12-Month CD | Review |
| First Florida Credit Union | FL | 2.89% | $1K | --- | 13-Month CD | Review |
| 3Rivers Federal Credit Union | IN | 2.85% | $20K | --- | 13-Month CD | Review |
| BrightStar Credit Union | FL | 2.85% | $500 | --- | 13-Month CD | Review |
| Centris Federal Credit Union | NE, IA | 2.85% | $90K | --- | 14-Month CD | Review |
| First United Bank | OK, TX | 2.85% | $50K | --- | 14-Month CD | Review |
| State Bank of India (IL) | IL | 2.85% | $2.5K | --- | 1-Year CD | Review |
| Polish National CU | CT, MA | 2.83% | $500 | --- | 13-Month CD | Review |
