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.
  • 1.08%
    1.43%
    1.53%
  • 1.09%
    1.44%
    1.54%
  • $0
    $0
    $0
    • Get our best rate with the Ally Ten Day Best Rate Guarantee.


  • 6 Mo.
    1 Yr.
    1.5 Yr.
  • 1.00%
    1.40%
    1.45%
  • 1.01%
    1.41%
    1.46%
  • $2,500
    $2,500
    $2,500
    • FDIC insured with no market risk. Open an account online or by phone!


TermRateAPYMin. To Earn APYDetails
1 year2.90%$50Special Easy Start Certificate-$3,000 maximum balance-must have direct deposit of net pay-Navy FCU checking and monthly automatic deposit of at least $15-See site for membership eligibility details.
1 year1.59%1.60%$500Membership is open to employeess and students of school districts in the Michigan counties of Wayne and Monroe, as well as select businesses, family members and retirees. See site for details.
1 year1.55%$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 year1.55%$1
1 year1.54%1.55%$1,000Relationship CD - Limited to Georgia cutomers only
1 year1.54%1.55%$1,000
1 year1.50%1.51%$5,000New accounts available for Maryland residents only - must open in person
1 year1.50%1.51%$5,000Share Certificate - contact Melrose CU for opening paperwork
1 year1.50%1.51%$20,000Tiered rates apply, APY valid for balances $20,000 and over
1 year1.50%1.51%$1,00012 Month CD
1 year1.50%1.51%$1,000For balances under $100,000 - must sign account documents in branch - Colorado market area
1 year1.49%1.51%$3,000Fixed Rate CD
1 year1.50%1.51%$1,00012 Month CD - Located in Oklahoma
1 year1.50%1.51%$50012 Month CD
1 year1.49%1.50%$250
1 year1.49%1.50%$500
1 year1.49%1.50%$1,000
1 year1.49%1.50%$500
1 year1.50%1.50%$1,00012-17 Month CD - Located in Florida
1 year1.49%1.50%$1,000
1 year1.49%1.50%$500
1 year1.49%1.50%$100,000Jumbo CD 12 - 17 month term
1 year1.47%1.48%$1,000Term 12 to 23 months
1 year1.45%1.46%$1,000
1 year1.46%$1,00012 Month CD
1 year1.45%1.46%$2,500Giant Personal CD
1 year1.44%1.45%$2,500
1 year1.45%$500
1 year1.44%1.45%$50012 Month CD
1 year1.44%1.45%$5,000Online CD
1 year1.43%1.44%$1High-Yield CD
1 year1.42%1.43%$500
1 year1.42%1.43%$1,000Rates effective on balances up to $4,999
1 year1.42%1.42%$50,000
1 year1.42%$1,000
1 year1.40%1.41%$2,500Limited to local Nebraska market area
1 year1.40%1.41%$10,000eCD rates for online account only
1 year1.40%1.41%$250
1 year1.40%1.41%$50012 Month CD - Located in Wisconsin
1 year1.40%1.41%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.39%1.40%$10,000Personal CD - APY for balances under 100K
1 year1.39%1.40%$25,00012 - 17 month term
1 year1.39%1.40%$100,000Personal CD - APY for balances over 100K
1 year1.40%1.40%$1,000
1 year1.39%1.40%$100
1 year1.35%1.36%$1,000
1 year1.35%1.36%$1,000
1 year1.35%1.35%$10012 Month CD - Located in Kentucky
1 year1.35%1.35%$500Rate effective for balances up to $9,999.99 - tiered rates apply
1 year1.34%1.35%$1,00012 month CD
1 year1.35%1.35%$500Interest compounds at maturity
1 year1.35%1.35%$1,000Local funds only, contact retail offices in Ohio
1 year1.31%1.32%$1,00012 Month CD
1 year1.30%1.31%$1,000
1 year1.30%1.31%$50012 Month CD
1 year1.30%$500
1 year1.29%1.30%$1,000Online CD
1 year1.30%1.30%$1,000
1 year1.30%$500Membership is limited to select employer groups. See website for complete list of eligible employers.
1 year1.29%1.30%$500Rates effective 08/30/2010
1 year1.29%1.30%$1,000Branch and Call Center CD Rates/Southern CA residents only
1 year1.29%1.30%$2,500Located in Bristow, OK
1 year1.26%$1,000Money Market CD-membership is open to U.S. military
1 year1.25%1.26%$1,000Non-auto renew 1 Year CD
1 year1.25%1.26%$500
1 year1.26%$1,000 Located in Texas
1 year1.25%1.26%$1,000
1 year1.25%1.26%$1,000
1 year1.25%1.26%$1,000
1 year1.24%1.25%$10,000
1 year1.24%1.25%$1,000Renewable CD
1 year1.25%1.25%$1,000Located in Iowa
1 year1.24%1.25%$250Located in MN
1 year1.24%1.25%$500
1 year1.24%1.25%$1Personal CD 12 - 23 Month - open online, $5,000 to open
1 year1.24%1.25%$1,00012 month CD
1 year1.25%1.25%$1,000
1 year1.25%1.25%$1,000
1 year1.25%1.25%$1,00012 Month CD
1 year1.25%$500
1 year1.20%1.21%$1,000Single Maturity CD
1 year1.20%1.21%$1,00012 Month CD
1 year1.21%$1,000Internet CD - California only
1 year1.19%1.20%$500
1 year1.18%1.20%$1,000Download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania
1 year1.19%1.20%$1,000
1 year1.19%1.20%$1,000
1 year1.20%$500Promotion CD - only available to existing customers, limited to local western New York market area
1 year1.20%1.20%$500
1 year1.19%1.20%$5,000
1 year1.20%1.20%$500
1 year1.17%$1,00012 Month CD
1 year1.15%1.16%$500
1 year1.15%1.15%$2,500
1 year1.14%1.15%$1,500Yield Pledge CD
1 year1.15%$5,000
1 year1.14%1.15%$1,00012 month CD - tier $1,000
1 year1.15%1.15%$0Located in Alabama and Florida
1 year1.14%1.15%$2,500Account available nationwide. Application available online - contact bank for more details.
1 year1.15%$10,00012 Month CD Tier $10,000 - $99,999
1 year1.14%1.15%$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. Rate collected within 10025
1 year1.14%1.15%$1,000Rates and terms specific to accounts opened online
1 year1.10%1.11%$50012 Month CD - Less than $100,000 - Rate collected within: 94115 (CA)
1 year1.10%1.11%$10,00012-month renewable
1 year1.10%1.11%$50012 Month CD - Less than $100,000 - Rate collected within: 60625 (IL)
1 year1.10%1.11%$50012 Month CD - Less than $100,000 - Rate collected within: 10025 (NY)
1 year1.10%1.10%$1,00012 Month CD - less than $10,000
1 year1.10%1.10%$1,00012 - 17 month CD
1 year1.10%1.10%$500Enter a new note
1 year1.10%1.10%$10,000eSavings CD - Earn 1.10% APY for 12 months if you maintain $10,000 balance, $100 to open
1 year1.09%1.10%$1,00012 month CD
1 year1.09%1.10%$500Fixed Rate
1 year1.09%$50012 - 17 Month CD - Rate collected within: 49201 (MI)
1 year1.06%1.06%$1,000
1 year1.05%1.06%$200
1 year1.06%1.06%$10,000Must be opened online to get this rate. Rate based on Texas area. Rate may vary by location.
1 year1.05%1.05%$1,000
1 year1.05%1.05%$1,00012 Month Relationship CD - requires a First State Bank of Wyoming checking account
1 year1.05%$1,000CD special - Rate collected within 60625
1 year1.05%1.05%$50012 Month CD
1 year1.03%1.05%$1,000
1 year1.04%1.05%$5,000Promotional CD - New money only
1 year1.05%1.05%$500Central New York market area only
1 year1.05%$1,000
1 year1.05%1.05%$1,000
1 year1.04%1.05%$1,00012 - 23 Month CD
1 year1.01%1.01%$1,000Fixed Rate CD Tier $1,000 - $94,999 - USAA Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details.
1 year1.00%1.01%$1,000Limited to local New York market area
1 year1.01%1.01%$1,000Unity Gold One Year E-CD - Available Online only
1 year1.00%1.00%$50012 Month CD
1 year1.00%1.00%$1,000Regular CD - Rate collected within: Fargo ND
1 year1.00%$1Orange CD
1 year1.00%1.00%$50012-17 month CD
1 year0.98%1.00%$500Enter a new note
1 year1.00%1.00%$1,00012 Month CD
1 year1.00%1.00%$1,000
1 year1.00%1.00%$500
1 year1.00%1.00%$500Limited time offer CD special. Bank located in Massachusetts
1 year0.98%1.00%$500Rate collected within: NY
1 year1.00%$500
1 year1.00%1.00%$1,000
1 year0.99%1.00%$500
1 year1.00%$1,00012-24 month CD
1 year1.00%1.00%$1,000
1 year1.00%1.00%$1,000Collected within Oklahoma
1 year1.00%1.00%$1,000365 Day CD - Tier $1,000 - $10,999 - Located in TX
1 year1.00%1.00%$1,000iCertificate of Deposit
1 year0.95%0.97%$500
1 year0.95%0.95%$500
1 year0.95%0.95%$1,000
1 year0.95%0.95%$50012 month CD - Rate collected within Birmingham, AL
1 year0.95%0.95%$50012 month CD - Rate collected within Northern CA
1 year0.95%0.95%$50012 month CD - Rate collected within Jacksonville, FL
1 year0.95%$2,500Rate/APY may vary by location
1 year0.95%0.95%$50012 Month CD - Rate collected within: Northern CA
1 year0.95%$10,000Tier rates apply, APY valid for opening deposits between $10,000 and $24,999
1 year0.94%0.94%$10,000
1 year0.90%0.90%$1,000
1 year0.90%0.90%$50012 Month CD
1 year0.90%0.90%$10,0001 Year CD - $10,000.01 - $50,000
1 year0.90%$1,00012 Month CD
1 year0.90%0.90%$1,00012 Month CD
1 year0.90%0.90%$500
1 year0.90%0.90%$1,000
1 year0.90%0.90%$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. Rate collected within 10025
1 year0.90%0.90%$2,5001 Year to 23 Month CD Tier $2,500 - $49,999
1 year0.90%$500Rate collected in zip code 60625, rate may vary by location.
1 year0.90%0.90%$2,500Regular CD - 12 Month Variable Rate - rates vary by geographic location. Rate collected within 10025
1 year0.90%0.90%$1,000
1 year0.90%0.90%$1,000Regular CD - Can open Online - Bank Located in PA
1 year0.90%0.90%$1,000Rate effective for balances up to $99,999.99 - tiered rates apply thereafter.
1 year0.90%0.90%$1,00012 Month CD
1 year0.85%0.87%$1,00012 month CD - tier $1,000 to $4,999
1 year0.85%0.85%$10,000
1 year0.85%0.85%$1,000
1 year0.85%0.85%$500
1 year0.85%0.85%$50012 Month CD
1 year0.85%0.85%$50012-23 Month CD - Located in Vermont
1 year0.85%$1,000Select Promo 12 Month CD - Open with new money - Requires M and T Select or Select with Interest checking account - Rate collected within: 10025 (NY)
1 year0.85%0.85%$1,000Accounts can be opened with an Allstate agent or by online application
1 year0.80%0.80%$1,00012 Month CD
1 year0.80%0.80%$1,00012 Month CD
1 year0.80%0.80%$1,00012 Month CD - Located in Pennsylvania
1 year0.80%$500
1 year0.80%$5001 Year Regular CD - No minimum balance required to earn stated APY
1 year0.80%0.80%$500
1 year0.80%$0APY for balances up to $999
1 year0.80%0.80%$50012 Month CD
1 year0.80%0.80%$1,000Internet CD
1 year0.80%0.80%$1,000Regular CD - Under $100,000
1 year0.80%$500eCD - APY's may vary by state
1 year0.78%0.78%$1,000
1 year0.75%0.76%$50012 Month CD Tier $500 - $49,999
1 year0.75%0.75%$500
1 year0.75%0.75%$1,000
1 year0.75%0.75%$1,000
1 year0.75%$10,000Bank by Mail CD
1 year0.75%0.75%$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.
1 year0.75%0.75%$500
1 year0.75%0.75%$1,000
1 year0.75%0.75%$1,000
1 year0.75%0.75%$2,500Rate for balances up to $99,999
1 year0.75%0.75%$500
1 year0.75%$500
1 year0.75%0.75%$10,00012 Month CD
1 year0.75%0.75%$1,00012 Month CD
1 year0.75%0.75%$10,000from CentennialBank.com
1 year0.75%0.75%$1,00012-17 Month CD - Accounts under $100,000 - Rate collected within Chicago, IL
1 year0.75%0.75%$10,000Personal Internet CD - open online
1 year0.71%$50011 Month CD - Located in Kentucky
1 year0.70%$10Online only
1 year0.70%0.70%$1,00012 Month CD
1 year0.70%0.70%$50012 Month CD Tier $500 - $9999 - Located in Wisconsin
1 year0.70%0.70%$50012-17 month CD - tier $500 to $9,999
1 year0.70%0.70%$50012 Month CD
1 year0.70%0.70%$1,000Rate collected within: IL
1 year0.70%0.70%$1,000
1 year0.70%0.70%$50012 Month CD
1 year0.70%0.70%$500Regular CD - Limited to New York market area
1 year0.70%0.70%$500
1 year0.65%0.65%$1,00012 Month CD Tier $1,000 - $9,999 - Apply online or at branch
1 year0.65%0.65%$1,000
1 year0.65%0.65%$1,00012 Month CD
1 year0.65%0.65%$10,000Standard 12-17 Month CD - Tier Less than $10,000 - Rate collected within: NY
1 year0.65%0.65%$1,000Standard 1 Year to 23 Month CD - Tier Less than $10,000 - Rate collected within: CA
1 year0.65%0.65%$1,000
1 year0.65%0.65%$1,000Standard 12-17 Month CD - Tier Less than $10,000 - Rate collected within: IL
1 year0.65%0.65%$1,000
1 year0.63%0.64%$5,000Regular CD - South Shore Massachusetts market area
1 year0.62%0.62%$1,000
1 year0.60%$1,00012 month CD
1 year0.60%0.60%$500
1 year0.60%$25,000APY for balances up to $49,999
1 year0.60%0.60%$35012 - 17 Month CD, Tier $350 - $999
1 year0.60%0.60%$5001 Year CD - Tier below $10,000 - Online account only
1 year0.60%0.60%$500
1 year0.60%$500Rate collected with Whatcom County
1 year0.60%0.60%$1,00012 Month Fixed Rate CD Only - Rate collected within: 10025 (NY)
1 year0.60%0.60%$500New customers must open in branch-limited to Georgia
1 year0.57%0.58%$1,00012 Month CD
1 year0.55%0.55%$1,00012-17 Month CD - Accounts under $100,000 - Rate collected within Philadelphia, PA
1 year0.55%$1,000Time Deposit Tier $1,000 - $9,999 - Receive an added .25% to the quoted APY when you open a checking account with direct deposit, bonus also available to existing direct deposit checking customers - Located in CA
1 year0.55%0.55%$1,000Tier $1,000 - $9,999 - Located in New York
1 year0.52%0.52%$50012 Month CD - SSB does not accept CD or Savings applications out of the Superior WI and surrounding area unless there is previous or existing account on record
1 year0.50%0.50%$1,000Located in TX, Fixed Rate-Money Market CD with limited check writing privileges.
1 year0.50%0.50%$500
1 year0.50%0.50%$500
1 year0.50%0.50%$5,000Non-Jumbo CD - Rate collected within: 10025 (NY)
1 year0.50%0.50%$5,000Non-Jumbo CD - Rate collected within: 60625 (IL)
1 year0.50%$15,000APY for balances up to $24,999
1 year0.50%0.50%$1,000
1 year0.50%0.50%$50012-17 Month Auto CD
1 year0.50%0.50%$100,000Jumbo CD - Rate collected within: 94115 (CA)
1 year0.50%0.50%$50012 - 17 Month Fixed Rate CD Tier $500 - $49,999
1 year0.50%0.50%$100,000Jumbo CD - Rate collected within: 10025 (NY)
1 year0.50%0.50%$100,000Jumbo CD - Rate collected within: 60625 (IL)
1 year0.50%0.50%$1,000
1 year0.50%0.50%$5,000Non-Jumbo CD - Rate collected within: 94115 (CA)
1 year0.50%0.50%$500
1 year0.50%0.50%$50012-23 Month CD
1 year0.50%$1,000Regular 12 Month CD - Open online
1 year0.45%0.45%$10,00012-23 Month CD - Limited to Iowa residents only, other restrictions may apply
1 year0.45%0.45%$1,000Located in Massachusetts
1 year0.40%$250No Catch 12 Month CD - Rate collected within: Florida (FL)
1 year0.40%$250No Catch 12 Month CD - Rate collected within: New York NY
1 year0.40%0.40%$1,00012 Month CD Tier $1,000 - $4,999
1 year0.40%$2,000APY for balances up to $14,999
1 year0.40%0.40%$1,00012 Month CD
1 year0.40%$1,0001 Year Plus 1 Day CD - Option to increase APY with HSBC Premier or Plus Checking - Stated rate is for accounts opened at an HSBC branch or by phone
1 year0.40%$1,0001 year Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 60625 (IL).
1 year0.40%$1,0001 year Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 10025 (NY)
1 year0.40%0.40%$1,00012 Month CD - Rate collected within: 10025 (NY)
1 year0.40%$250No Catch 12 Month CD - Rate collected within: Washington DC
1 year0.40%0.40%$1,00012 Month CD - Rate collected within: 94115 (CA)
1 year0.40%0.40%$1,00012 Month CD - Rate collected within: 60625 (IL)
1 year0.35%0.35%$1,0001 Year CD Tier - Up to $9,999 - Rate collected within: 10025 (NY)
1 year0.35%$1,000Rate applies to balances from $1,000 to $99,999.99. Tiered rates apply.
1 year0.35%0.35%$1,0001 Year CD - Less than $100,000
1 year0.35%0.35%$1,000
1 year0.35%0.35%$1,0001 Year CD Tier - Up to $9,999 - Rate collected within: 60625 (IL)
1 year0.35%0.35%$1,0001 Year CD Tier - Up to $9,999 - Rate collected within: 94115 (CA)
1 year0.35%0.35%$1,000Regular CD
1 year0.30%0.30%$10,00012 - 24 Month Standard CD Tier $10,000 - $24,999 - Rate collected within: 60625 (IL)
1 year0.30%$1,000Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 94115 (CA)
1 year0.30%$1,000Standard CD - Rate collected within: 10025 (NY)
1 year0.30%$1,000Fixed Rate CD Tier $0 - $2,499 - Rate collected in: 94115 (CA)
1 year0.30%$1,000 Standard CD - Rate collected within: 02144 (MA)
1 year0.30%$1,000 Standard CD - Rate collected within: 19140 (PA)
1 year0.25%0.25%$1,00012 Month CD
1 year0.22%0.22%$50,000
1 year0.20%$2,500Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: IL
1 year0.20%$2,500Standard 1 Year CD - Tier $2,500 - $9,999 - Rate collected within: CA
1 year0.20%0.20%$1,00012 Month CD Tier $1,000 - $9,999 - Rate collected within: 43215 (OH)
1 year0.20%0.20%$1,00012 - 17 Month Standard CD - Non Relationship Rate - Rate collected within: 10025 (NY)
1 year0.20%$2,500Standard 1 Year CD - Tier $2.500 - $9,999 - Rate collected within: IL
1 year0.20%$2,500Standard 1 Year CD - Tier $2,500 - $9,999 - Rate collected within: NY
1 year0.20%0.20%$1,00012 - 17 Month Standard CD - Non Relationship Rate - Rate collected within: 60625 IL)
1 year0.20%0.20%$1,000Regular CD - Located in MA
1 year0.20%$2,500Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: CA
1 year0.20%0.20%$1,00012 - 17 Month Standard CD - Non Relationship Rate - Rate collected within: 94115 (CA)
1 year0.20%$2,500Standard 1 Year CD Tier $2,500 - $9,999 - Rate collected within: NY
1 year0.20%0.20%$50012 Month Base CD - Higher rates available for checking customers
1 year0.15%$500Tiered rates - Stated rate applies to balances $500 - $9,999
1 year0.15%0.15%$50012 - 17 Month CD - Rate collected within: 63102 (MO)
1 year0.10%0.10%$2,50012 Month CD Tier $2,500 - $9,999 - Without Relationship - Rate collected within: 10025 (NY)