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. - 1.44%
1.88%
1.93% - 1.45%
1.90%
1.95% - $2,500
$2,500
$2,500 -
FDIC insured with no market risk. Open an account online or by phone!
-
- Rates as of 11/20/09
- See More Accounts
- FDIC insured

- 9 Mo.
1 Yr.
1.5 Yr. - 1.44%
1.88%
1.92% - 1.45%
1.90%
1.94% - $0
$0
$0 -
Competitive rates. No monthly fees. Member FDIC.
-
- Rates as of 11/20/09
- 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 11/20/09
- See More Accounts
- FDIC insured
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Umbrella Bank Rates as of Nov. 20th | 1 year | 2.08% | 2.10% | $1,000 | |
| Colorado Federal Savings Bank Rates as of Nov. 20th | 1 year | 1.98% | 2.00% | $5,000 | Online CD |
| MetLife Bank Rates as of Nov. 20th | 1 year | 2.00% | $25,000 | ||
| H&R Block Bank Rates as of Nov. 20th | 1 year | 1.99% | 2.00% | $250 | |
| Hanmi Bank Rates as of Nov. 20th | 1 year | 1.97% | $1,000 | Internet CD - California only | |
| State Bank of India Rates as of Nov. 20th | 1 year | 1.96% | $5,000 | ||
| New Dominion Bank Rates as of Nov. 20th | 1 year | 1.90% | 1.92% | $3,000 | |
| Ascencia Bank Rates as of Nov. 20th | 1 year | 1.89% | 1.91% | $500 | |
| AIG Bank Rates as of Nov. 20th | 1 year | 1.88% | 1.90% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| Ally Bank Rates as of Nov. 20th | 1 year | 1.88% | 1.90% | $1 | High-Yield CD |
| Discover Bank Rates as of Nov. 20th | 1 year | 1.88% | 1.90% | $2,500 | |
| Quantum National Bank Rates as of Nov. 20th | 1 year | 1.89% | 1.90% | $1,000 | Relationship CD - Limited to Georgia cutomers only |
| Giantbank Rates as of Nov. 20th | 1 year | 1.84% | 1.86% | $2,500 | Giant Personal CD |
| Flagstar Bank Rates as of Nov. 20th | 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. 20th | 1 year | 1.82% | $1,000 | ||
| Nationwide Bank Rates as of Nov. 20th | 1 year | 1.80% | $500 | ||
| La Jolla Bank Rates as of Nov. 20th | 1 year | 1.79% | 1.80% | $10,000 | Online account |
| FirstFedDirect, A Division of First Federal Bank Rates as of Nov. 20th | 1 year | 1.80% | $10,000 | ||
| Interstate Net Bank Rates as of Nov. 20th | 1 year | 1.75% | 1.77% | $1,000 | |
| Virtual Bank Rates as of Nov. 20th | 1 year | 1.75% | 1.77% | $10,000 | eCD rates for online account only |
| Imperial Capital Bank Rates as of Nov. 20th | 1 year | 1.75% | 1.76% | $2,000 | iCD |
| Centennial Bank Rates as of Nov. 20th | 1 year | 1.75% | 1.76% | $10,000 | from CentennialBank.com |
| ING Direct Rates as of Nov. 20th | 1 year | 1.75% | $1 | ||
| Amboy Direct Rates as of Nov. 20th | 1 year | 1.75% | 1.75% | $10,000 | eSavings CD - Earn 1.75% APY for 12 months if you maintain $10,000 balance, $100 to open |
| E-Loan Rates as of Nov. 20th | 1 year | 1.74% | 1.75% | $10,000 | |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 1 year | 1.74% | 1.75% | $500 | Rate effective 11/23/2009 |
| MetLife Bank Rates as of Nov. 20th | 1 year | 1.75% | $15,000 | ||
| Excel National Bank Rates as of Nov. 20th | 1 year | 1.72% | 1.74% | $10,000 | APY for balances under 100K |
| National Bank of Kansas City Rates as of Nov. 20th | 1 year | 1.69% | 1.70% | $1 | Personal CD 12 - 23 Month - open online, $5,000 to open |
| OneWest Bank Rates as of Nov. 20th | 1 year | 1.69% | 1.70% | $1,000 | Branch and Call Center CD Rates |
| OneUnited Bank Rates as of Nov. 20th | 1 year | 1.70% | 1.70% | $1,000 | Unity Gold One Year E-CD - Available Online only |
| Ultima Bank Rates as of Nov. 20th | 1 year | 1.65% | 1.66% | $1,000 | |
| Goldwater Bank Rates as of Nov. 20th | 1 year | 1.64% | 1.65% | $50,000 | |
| OneWest Bank Rates as of Nov. 20th | 1 year | 1.64% | 1.65% | $5,000 | Online CD |
| Bank of Internet Rates as of Nov. 20th | 1 year | 1.64% | 1.65% | $1,000 | Term 12 to 23 months |
| EverBank Rates as of Nov. 20th | 1 year | 1.64% | 1.65% | $1,500 | Yield Pledge CD |
| Stonebridge Bank Rates as of Nov. 20th | 1 year | 1.65% | $500 | ||
| Tennessee Commerce Bank Rates as of Nov. 20th | 1 year | 1.59% | 1.60% | $2,500 | |
| Grand Bank Rates as of Nov. 20th | 1 year | 1.54% | 1.55% | $1,000 | |
| Fulton Bank Rates as of Nov. 20th | 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 |
| TriState Capital Bank Rates as of Nov. 20th | 1 year | 1.49% | 1.50% | $100,000 | Jumbo CD 12 - 17 month term |
| Northwest Savings Bank Rates as of Nov. 20th | 1 year | 1.50% | $500 | Promotion CD - only available to existing customers, limited to local western New York market area | |
| Beverly National Bank Online Rates as of Nov. 20th | 1 year | 1.50% | $10,000 | Must be opened online with new money to get this rate. | |
| HSBC Direct Rates as of Nov. 20th | 1 year | 1.50% | $10 | Online 12-month CD, debit card, pay electronically | |
| Presidential Bank Rates as of Nov. 20th | 1 year | 1.50% | $1,000 | Internet CD | |
| Third Federal S&L Rates as of Nov. 20th | 1 year | 1.50% | $500 | ||
| California First National Bank Rates as of Nov. 20th | 1 year | 1.49% | 1.50% | $5,000 | |
| Geauga Savings Bank Rates as of Nov. 20th | 1 year | 1.50% | 1.50% | $1,000 | Local funds only, contact retail offices in Ohio |
| Doral Bank Direct Rates as of Nov. 20th | 1 year | 1.49% | 1.50% | $1,000 | |
| Silvergate Bank Rates as of Nov. 20th | 1 year | 1.40% | 1.41% | $2,500 | |
| Rhinebeck Savings Bank Rates as of Nov. 20th | 1 year | 1.39% | 1.40% | $10,000 | |
| OnBank Rates as of Nov. 20th | 1 year | 1.40% | $500 | ||
| TriState Capital Bank Rates as of Nov. 20th | 1 year | 1.39% | 1.40% | $25,000 | 12 - 17 month term |
| Transportation Alliance Bank Rates as of Nov. 20th | 1 year | 1.39% | 1.40% | $1,000 | |
| M and T Bank Rates as of Nov. 20th | 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 | |
| Amegy Bank of Texas Rates as of Nov. 20th | 1 year | 1.29% | 1.30% | $10,000 | Personal Internet CD - open online |
| Fulton Bank Rates as of Nov. 20th | 1 year | 1.29% | 1.30% | $2,500 | Regular CD - 12 Month Variable Rate - rates vary by geographic location |
| Metropolitan National Bank Rates as of Nov. 20th | 1 year | 1.30% | $2,500 | Rate/APY may vary by location | |
| Weymouth Bank Rates as of Nov. 20th | 1 year | 1.25% | 1.28% | $1,000 | Regular CD - South Shore Massachusetts market area |
| First National Bank of Groton Rates as of Nov. 20th | 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. 20th | 1 year | 1.25% | 1.26% | $1,000 | Must be opened online to get this rate. |
| Greystone Bank Rates as of Nov. 20th | 1 year | 1.25% | $50,000 | ||
| Trustco Bank Rates as of Nov. 20th | 1 year | 1.25% | $500 | Rate may vary by location, market areas FL, NY, MA, NJ, VT | |
| Bank of America Rates as of Nov. 20th | 1 year | 1.19% | 1.20% | $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. |
| First National Bank of Groton Rates as of Nov. 20th | 1 year | 1.15% | 1.16% | $1,000 | Limited to local New York market area |
| Rome Savings Bank Rates as of Nov. 20th | 1 year | 1.14% | 1.15% | $500 | |
| Sovereign Bank Rates as of Nov. 20th | 1 year | 1.15% | $500 | With Premier Checking | |
| Zions Bank Rates as of Nov. 20th | 1 year | 1.05% | 1.05% | $1,000 | Internet CD |
| Astoria Federal Savings Bank Rates as of Nov. 20th | 1 year | 1.04% | 1.05% | $500 | |
| Waterfield Bank Rates as of Nov. 20th | 1 year | 0.99% | 1.00% | $25,000 | |
| Provident Bank Rates as of Nov. 20th | 1 year | 1.00% | 1.00% | $500 | Regular CD - Limited to New York market area |
| Seacoast Commerce Bank Rates as of Nov. 20th | 1 year | 1.00% | 1.00% | $10,000 | Bank by Mail CD |
| Fulton Bank Rates as of Nov. 20th | 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 |
| Beverly National Bank Rates as of Nov. 20th | 1 year | 1.00% | 1.00% | $1,000 | |
| Waterfield Bank Rates as of Nov. 20th | 1 year | 0.80% | 0.80% | $1,000 | |
| Zions Bank Rates as of Nov. 20th | 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. |


