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!




  • 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 year2.08%2.10%$1,000
1 year1.98%2.00%$5,000Online CD
1 year2.00%$25,000
1 year1.99%2.00%$250
1 year1.97%$1,000Internet CD - California only
1 year1.96%$5,000
1 year1.90%1.92%$3,000
1 year1.89%1.91%$500
1 year1.88%1.90%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.88%1.90%$1High-Yield CD
1 year1.88%1.90%$2,500
1 year1.89%1.90%$1,000Relationship CD - Limited to Georgia cutomers only
1 year1.84%1.86%$2,500Giant Personal CD
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 year1.82%$1,000
1 year1.80%$500
1 year1.79%1.80%$10,000Online account
1 year1.80%$10,000
1 year1.75%1.77%$1,000
1 year1.75%1.77%$10,000eCD rates for online account only
1 year1.75%1.76%$2,000iCD
1 year1.75%1.76%$10,000from CentennialBank.com
1 year1.75%$1
1 year1.75%1.75%$10,000eSavings CD - Earn 1.75% APY for 12 months if you maintain $10,000 balance, $100 to open
1 year1.74%1.75%$10,000
1 year1.74%1.75%$500Rate effective 11/23/2009
1 year1.75%$15,000
1 year1.72%1.74%$10,000APY for balances under 100K
1 year1.69%1.70%$1Personal CD 12 - 23 Month - open online, $5,000 to open
1 year1.69%1.70%$1,000Branch and Call Center CD Rates
1 year1.70%1.70%$1,000Unity Gold One Year E-CD - Available Online only
1 year1.65%1.66%$1,000
1 year1.64%1.65%$50,000
1 year1.64%1.65%$5,000Online CD
1 year1.64%1.65%$1,000Term 12 to 23 months
1 year1.64%1.65%$1,500Yield Pledge CD
1 year1.65%$500
1 year1.59%1.60%$2,500
1 year1.54%1.55%$1,000
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 year1.49%1.50%$100,000Jumbo CD 12 - 17 month term
1 year1.50%$500Promotion CD - only available to existing customers, limited to local western New York market area
1 year1.50%$10,000Must be opened online with new money to get this rate.
1 year1.50%$10Online 12-month CD, debit card, pay electronically
1 year1.50%$1,000Internet CD
1 year1.50%$500
1 year1.49%1.50%$5,000
1 year1.50%1.50%$1,000Local funds only, contact retail offices in Ohio
1 year1.49%1.50%$1,000
1 year1.40%1.41%$2,500
1 year1.39%1.40%$10,000
1 year1.40%$500
1 year1.39%1.40%$25,00012 - 17 month term
1 year1.39%1.40%$1,000
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 year1.29%1.30%$10,000Personal Internet CD - open online
1 year1.29%1.30%$2,500Regular CD - 12 Month Variable Rate - rates vary by geographic location
1 year1.30%$2,500Rate/APY may vary by location
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 year1.25%$50,000
1 year1.25%$500Rate may vary by location, market areas FL, NY, MA, NJ, VT
1 year1.19%1.20%$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 year1.15%1.16%$1,000Limited to local New York market area
1 year1.14%1.15%$500
1 year1.15%$500With Premier Checking
1 year1.05%1.05%$1,000Internet CD
1 year1.04%1.05%$500
1 year0.99%1.00%$25,000
1 year1.00%1.00%$500Regular CD - Limited to New York market area
1 year1.00%1.00%$10,000Bank by Mail CD
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 year1.00%1.00%$1,000
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.