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 |

- 9 Mo.
1 Yr.
1.5 Yr. - 1.44%
1.93%
1.92% - 1.45%
1.95%
1.94% - $0
$0
$0 -
Competitive rates. No monthly fees. Member FDIC.
-
- Rates as of 11/06/09
- See More Accounts
- FDIC insured

- 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!
-
- Rates as of 11/06/09
- See More Accounts
- FDIC insured

- 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.
-
- Rates as of 11/06/09
- See More Accounts
- FDIC insured
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Amboy Direct Rates as of Nov. 6th | 1 year | 2.10% | 2.10% | $10,000 | eSavings CD - Earn 2.10% APY for 12 months if you maintain $10,000 balance. Only $100 to open. |
| Umbrella Bank Rates as of Nov. 6th | 1 year | 2.08% | 2.10% | $1,000 | |
| Quantum National Bank Rates as of Nov. 6th | 1 year | 2.03% | 2.05% | $1,000 | Relationship CD - Limited to Georgia cutomers only |
| Bank of Internet Rates as of Nov. 6th | 1 year | 2.00% | 2.02% | $1,000 | Term 12 to 23 months |
| Hanmi Bank Rates as of Nov. 6th | 1 year | 2.02% | $1,000 | Internet CD - California only | |
| Interstate Net Bank Rates as of Nov. 6th | 1 year | 2.00% | 2.02% | $1,000 | |
| Ascencia Bank Rates as of Nov. 6th | 1 year | 1.98% | 2.00% | $500 | |
| New Dominion Bank Rates as of Nov. 6th | 1 year | 1.98% | 2.00% | $3,000 | |
| H&R Block Bank Rates as of Nov. 6th | 1 year | 1.99% | 2.00% | $250 | |
| MetLife Bank Rates as of Nov. 6th | 1 year | 2.00% | $25,000 | ||
| State Bank of India Rates as of Nov. 6th | 1 year | 1.96% | $5,000 | ||
| Ally Bank Rates as of Nov. 6th | 1 year | 1.93% | 1.95% | $1 | High-Yield CD |
| Discover Bank Rates as of Nov. 6th | 1 year | 1.88% | 1.90% | $2,500 | |
| Nationwide Bank Rates as of Nov. 6th | 1 year | 1.90% | $500 | ||
| AIG Bank Rates as of Nov. 6th | 1 year | 1.88% | 1.90% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| Giantbank Rates as of Nov. 6th | 1 year | 1.84% | 1.86% | $2,500 | Giant Personal CD |
| Acacia Federal Savings Bank Rates as of Nov. 6th | 1 year | 1.83% | 1.85% | $500 | |
| La Jolla Bank Rates as of Nov. 6th | 1 year | 1.83% | 1.85% | $10,000 | Online account |
| Flagstar Bank Rates as of Nov. 6th | 1 year | 1.85% | $500 | Online CD with Loyalty Checking Account - Must maintain primary checking with Flagstar Bank, average of 15 transactions or $250 recurring ACH transactions per month | |
| Nexity Bank Rates as of Nov. 6th | 1 year | 1.83% | $1,000 | ||
| Grand Bank Rates as of Nov. 6th | 1 year | 1.78% | 1.80% | $1,000 | |
| FirstFedDirect, A Division of First Federal Bank Rates as of Nov. 6th | 1 year | 1.80% | $10,000 | ||
| Seacoast Commerce Bank Rates as of Nov. 6th | 1 year | 1.76% | 1.78% | $10,000 | Internet CD |
| Virtual Bank Rates as of Nov. 6th | 1 year | 1.75% | 1.77% | $10,000 | eCD rates for online account only |
| E-Loan Rates as of Nov. 6th | 1 year | 1.74% | 1.75% | $10,000 | |
| Excel National Bank Rates as of Nov. 6th | 1 year | 1.73% | 1.75% | $10,000 | |
| ING Direct Rates as of Nov. 6th | 1 year | 1.75% | $1 | ||
| MetLife Bank Rates as of Nov. 6th | 1 year | 1.75% | $15,000 | ||
| OneUnited Bank Rates as of Nov. 6th | 1 year | 1.70% | 1.70% | $1,000 | Unity Gold One Year E-CD - Available Online only |
| OneWest Bank Rates as of Nov. 6th | 1 year | 1.69% | 1.70% | $1,000 | Custom Term CD - Branch Rate |
| EverBank Rates as of Nov. 6th | 1 year | 1.69% | 1.70% | $1,500 | Yield Pledge CD |
| Ultima Bank Rates as of Nov. 6th | 1 year | 1.65% | 1.66% | $1,000 | |
| Goldwater Bank Rates as of Nov. 6th | 1 year | 1.64% | 1.65% | $50,000 | |
| OneWest Bank Rates as of Nov. 6th | 1 year | 1.64% | 1.65% | $5,000 | Online Fixed Rate CD |
| Stonebridge Bank Rates as of Nov. 6th | 1 year | 1.65% | $500 | ||
| Centennial Bank Rates as of Nov. 6th | 1 year | 1.60% | 1.61% | $10,000 | from CentennialBank.com |
| Tennessee Commerce Bank Rates as of Nov. 6th | 1 year | 1.59% | 1.60% | $2,500 | |
| Geauga Savings Bank Rates as of Nov. 6th | 1 year | 1.55% | 1.55% | $1,000 | Local funds only, contact retail offices in Ohio |
| Fulton Bank Rates as of Nov. 6th | 1 year | 1.54% | 1.55% | $2,500 | Relationship 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 |
| Silvergate Bank Rates as of Nov. 6th | 1 year | 1.50% | 1.51% | $2,500 | |
| Trustco Bank Rates as of Nov. 6th | 1 year | 1.50% | $500 | Rate may vary by location, market areas FL, NY, MA, NJ, VT | |
| Presidential Bank Rates as of Nov. 6th | 1 year | 1.50% | $1,000 | Internet CD | |
| TriState Capital Bank Rates as of Nov. 6th | 1 year | 1.49% | 1.50% | $100,000 | Jumbo CD 12 - 17 month term |
| Beverly National Bank Online Rates as of Nov. 6th | 1 year | 1.50% | $10,000 | Must be opened online with new money to get this rate. | |
| Third Federal S&L Rates as of Nov. 6th | 1 year | 1.50% | $500 | ||
| HSBC Direct Rates as of Nov. 6th | 1 year | 1.50% | $10 | Online 12-month CD, debit card, pay electronically | |
| Doral Bank Direct Rates as of Nov. 6th | 1 year | 1.49% | 1.50% | $1,000 | |
| California First National Bank Rates as of Nov. 6th | 1 year | 1.49% | 1.50% | $5,000 | |
| Rhinebeck Savings Bank Rates as of Nov. 6th | 1 year | 1.39% | 1.40% | $10,000 | |
| Transportation Alliance Bank Rates as of Nov. 6th | 1 year | 1.39% | 1.40% | $1,000 | |
| TriState Capital Bank Rates as of Nov. 6th | 1 year | 1.39% | 1.40% | $25,000 | 12 - 17 month term |
| OnBank Rates as of Nov. 6th | 1 year | 1.40% | $500 | ||
| M and T Bank Rates as of Nov. 6th | 1 year | 1.35% | $1,000 | Select 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 | |
| Metropolitan National Bank Rates as of Nov. 6th | 1 year | 1.30% | $2,500 | Rate/APY may vary by location | |
| Fulton Bank Rates as of Nov. 6th | 1 year | 1.29% | 1.30% | $2,500 | Regular CD - 12 Month Variable Rate - rates vary by geographic location |
| Amegy Bank of Texas Rates as of Nov. 6th | 1 year | 1.29% | 1.30% | $10,000 | Personal Internet CD |
| Weymouth Bank Rates as of Nov. 6th | 1 year | 1.25% | 1.28% | $1,000 | Regular CD - South Shore Massachusetts market area |
| First National Bank of Groton Rates as of Nov. 6th | 1 year | 1.25% | 1.26% | $10,000 | 1 Year Renewable Once CD - renew once at the same rate or higher, limited to local New York market area |
| Beal Bank Rates as of Nov. 6th | 1 year | 1.25% | 1.26% | $1,000 | Must be opened online to get this rate. |
| Astoria Federal Savings Bank Rates as of Nov. 6th | 1 year | 1.24% | 1.25% | $500 | |
| Sovereign Bank Rates as of Nov. 6th | 1 year | 1.20% | $500 | With Premier Checking | |
| First National Bank of Groton Rates as of Nov. 6th | 1 year | 1.15% | 1.16% | $1,000 | Limited to local New York market area |
| Zions Bank Rates as of Nov. 6th | 1 year | 1.15% | 1.16% | $1,000 | Internet CD |
| Rome Savings Bank Rates as of Nov. 6th | 1 year | 1.14% | 1.15% | $500 | |
| Bank of America Rates as of Nov. 6th | 1 year | 1.09% | 1.10% | $5,000 | High 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. |
| Greystone Bank Rates as of Nov. 6th | 1 year | 1.05% | $50,000 | ||
| Beverly National Bank Rates as of Nov. 6th | 1 year | 1.00% | 1.00% | $1,000 | |
| Waterfield Bank Rates as of Nov. 6th | 1 year | 0.99% | 1.00% | $25,000 | |
| Fulton Bank Rates as of Nov. 6th | 1 year | 1.00% | 1.00% | $500 | Relationship 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 |
| Waterfield Bank Rates as of Nov. 6th | 1 year | 0.80% | 0.80% | $1,000 | |
| Zions Bank Rates as of Nov. 6th | 1 year | 0.70% | 0.70% | $1,000 | Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate. |


