Compare Best 1-year CD Rates

Sometimes aggressive investments paying the highest returns are extremely inappropriate. People nearing retirement or planning on tapping their college savings in a few years should consider the benefits of asset preservation strategies. That involves a shift from more aggressive choices to very safe investments, like certificate of deposits (CDs), savings and money market accounts.

GoTalkMoney believes in safe and secure investments. We comb the Internet daily to find the best 1-year CD rates and display them in the table below for free. Click on our featured bank rates for more information.







Institution Term Rate APY Min. To Earn APY Details


  • 6 Mo.
    1 Yr.
    1.5 Yr.
  • 1.49%
    1.88%
    1.94%
  • 1.50%
    1.90%
    1.96%
  • $2,500
    $2,500
    $2,500
    • FDIC insured with no market risk. Open an account online or by phone!


  • 9 Mo.
    1 Yr.
    1.5 Yr.
  • 1.24%
    1.88%
    1.93%
  • 1.25%
    1.90%
    1.95%
  • $2,500
    $2,500
    $2,500
    • Discover Bank offers great rates, security & convenience.


TermRateAPYMin. To Earn APYDetails
1 year2.10%2.10%$10,000eSavings CD - Earn 2.10% APY for 12 months if you maintain $10,000 balance. Only $100 to open.
1 year2.08%2.10%$1,000
1 year2.03%2.05%$1,000Relationship CD - Limited to Georgia cutomers only
1 year2.00%2.02%$1,000Term 12 to 23 months
1 year2.02%$1,000Internet CD - California only
1 year2.00%2.02%$1,000
1 year1.98%2.00%$500
1 year1.98%2.00%$3,000
1 year1.99%2.00%$250
1 year2.00%$25,000
1 year1.96%$5,000
1 year1.93%1.95%$1High-Yield CD
1 year1.88%1.90%$2,500
1 year1.90%$500
1 year1.88%1.90%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.84%1.86%$2,500Giant Personal CD
1 year1.83%1.85%$500
1 year1.83%1.85%$10,000Online account
1 year1.85%$500Online CD with Loyalty Checking Account - Must maintain primary checking with Flagstar Bank, average of 15 transactions or $250 recurring ACH transactions per month
1 year1.83%$1,000
1 year1.78%1.80%$1,000
1 year1.80%$10,000
1 year1.76%1.78%$10,000Internet CD
1 year1.75%1.77%$10,000eCD rates for online account only
1 year1.74%1.75%$10,000
1 year1.73%1.75%$10,000
1 year1.75%$1
1 year1.75%$15,000
1 year1.70%1.70%$1,000Unity Gold One Year E-CD - Available Online only
1 year1.69%1.70%$1,000Custom Term CD - Branch Rate
1 year1.69%1.70%$1,500Yield Pledge CD
1 year1.65%1.66%$1,000
1 year1.64%1.65%$50,000
1 year1.64%1.65%$5,000Online Fixed Rate CD
1 year1.65%$500
1 year1.60%1.61%$10,000from CentennialBank.com
1 year1.59%1.60%$2,500
1 year1.55%1.55%$1,000Local funds only, contact retail offices in Ohio
1 year1.54%1.55%$2,500Relationship Banking CD - 12 Month Variable Rate - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location
1 year1.50%1.51%$2,500
1 year1.50%$500Rate may vary by location, market areas FL, NY, MA, NJ, VT
1 year1.50%$1,000Internet CD
1 year1.49%1.50%$100,000Jumbo CD 12 - 17 month term
1 year1.50%$10,000Must be opened online with new money to get this rate.
1 year1.50%$500
1 year1.50%$10Online 12-month CD, debit card, pay electronically
1 year1.49%1.50%$1,000
1 year1.49%1.50%$5,000
1 year1.39%1.40%$10,000
1 year1.39%1.40%$1,000
1 year1.39%1.40%$25,00012 - 17 month term
1 year1.40%$500
1 year1.35%$1,000Select Promo CD - open with new money, personal account only, must have M and T checking account, geographic restrictions, rate and products may vary by location
1 year1.30%$2,500Rate/APY may vary by location
1 year1.29%1.30%$2,500Regular CD - 12 Month Variable Rate - rates vary by geographic location
1 year1.29%1.30%$10,000Personal Internet CD
1 year1.25%1.28%$1,000Regular CD - South Shore Massachusetts market area
1 year1.25%1.26%$10,0001 Year Renewable Once CD - renew once at the same rate or higher, limited to local New York market area
1 year1.25%1.26%$1,000Must be opened online to get this rate.
1 year1.24%1.25%$500
1 year1.20%$500With Premier Checking
1 year1.15%1.16%$1,000Limited to local New York market area
1 year1.15%1.16%$1,000Internet CD
1 year1.14%1.15%$500
1 year1.09%1.10%$5,000High Yield Promotional CD - Rate offered applies to accounts opened online. Rates stated are New York Consumer rates, contact Bank of America for rates in your area. Some products may not be available in all states.
1 year1.05%$50,000
1 year1.00%1.00%$1,000
1 year0.99%1.00%$25,000
1 year1.00%1.00%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location
1 year0.80%0.80%$1,000
1 year0.70%0.70%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.