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. - 1.00%
1.59%
1.78% - 1.00%
1.60%
1.80% - $2,500
$2,500
$2,500 -
Discover Bank offers great rates, security & convenience.
-
- Rates as of 03/16/10
- See More Accounts
- FDIC insured
- 6 Mo.
1 Yr.
1.5 Yr. - 1.00%
1.55%
1.65% - 1.01%
1.56%
1.66% - $2,500
$2,500
$2,500 -
FDIC insured with no market risk. Open an account online or by phone!
-
- Rates as of 03/16/10
- See More Accounts
- FDIC insured
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Community Bank of Pickens County Rates as of Mar. 16th | 1 year | 2.15% | $50,000 | Rate for balances over $50,000, account available to local Georgia market area, must open account in person | |
| Doral Bank Direct Rates as of Mar. 16th | 1 year | 1.88% | 1.90% | $1,000 | |
| Community Bank of Pickens County Rates as of Mar. 16th | 1 year | 1.90% | $500 | Rate for balances under $50,000, account available to local Georgia market area, must open account in person | |
| Franklin Synergy Bank Rates as of Mar. 16th | 1 year | 1.90% | 1.90% | $1,000 | E-Cd, requires e-savings account. |
| Flagstar Bank Rates as of Mar. 16th | 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 | |
| Golf Savings Bank Rates as of Mar. 16th | 1 year | 1.78% | 1.80% | $10,000 | Rate for balances up to $90,000 |
| Quantum National Bank Rates as of Mar. 16th | 1 year | 1.69% | 1.70% | $1,000 | Relationship CD - Limited to Georgia cutomers only |
| New Dominion Bank Rates as of Mar. 16th | 1 year | 1.65% | 1.67% | $3,000 | Fixed Rate CD |
| State Bank of India Rates as of Mar. 16th | 1 year | 1.66% | $5,000 | ||
| OneWest Bank Rates as of Mar. 16th | 1 year | 1.59% | 1.60% | $5,000 | Online CD |
| Discover Bank Rates as of Mar. 16th | 1 year | 1.59% | 1.60% | $2,500 | |
| Bank United Rates as of Mar. 16th | 1 year | 1.59% | 1.60% | $5,000 | CD Special |
| OneWest Bank Rates as of Mar. 16th | 1 year | 1.59% | 1.60% | $1,000 | Branch and Call Center CD Rates |
| FirstFedDirect, A Division of First Federal Bank Rates as of Mar. 16th | 1 year | 1.59% | $10,000 | ||
| Excel National Bank Rates as of Mar. 16th | 1 year | 1.57% | 1.58% | $100,000 | Personal CD - APY for balances over 100K |
| Goldwater Bank Rates as of Mar. 16th | 1 year | 1.57% | 1.57% | $50,000 | |
| Aurora Bank FSB Rates as of Mar. 16th | 1 year | 1.56% | 1.57% | $1,000 | Rates effective on balances up to $4,999 |
| Ally Bank Rates as of Mar. 16th | 1 year | 1.56% | 1.57% | $1 | High-Yield CD |
| Excel National Bank Rates as of Mar. 16th | 1 year | 1.55% | 1.56% | $10,000 | Personal CD - APY for balances under 100K |
| Nexity Bank Rates as of Mar. 16th | 1 year | 1.56% | $1,000 | ||
| AIG Bank Rates as of Mar. 16th | 1 year | 1.55% | 1.56% | $2,500 | High Yield CD - FDIC insured with no market risk. Open an account online or by phone! |
| Grand Bank Rates as of Mar. 16th | 1 year | 1.54% | 1.55% | $1,000 | |
| Colorado Federal Savings Bank Rates as of Mar. 16th | 1 year | 1.54% | 1.55% | $5,000 | Online CD |
| NOVA Bank Rates as of Mar. 16th | 1 year | 1.54% | 1.55% | $500 | Fixed Rate |
| OneUnited Bank Rates as of Mar. 16th | 1 year | 1.55% | 1.55% | $1,000 | Unity Gold One Year E-CD - Available Online only |
| Interstate Net Bank Rates as of Mar. 16th | 1 year | 1.50% | 1.51% | $1,000 | |
| Hillcrest Bank Rates as of Mar. 16th | 1 year | 1.50% | 1.50% | $1,000 | |
| TriState Capital Bank Rates as of Mar. 16th | 1 year | 1.49% | 1.50% | $100,000 | Jumbo CD 12 - 17 month term |
| The Jacksonville Bank Rates as of Mar. 16th | 1 year | 1.49% | 1.50% | $1,000 | Rates and terms specific to accounts opened online |
| Acacia Federal Savings Bank Rates as of Mar. 16th | 1 year | 1.49% | 1.50% | $500 | Rates effective 03/15/2010 |
| H&R Block Bank Rates as of Mar. 16th | 1 year | 1.49% | 1.50% | $250 | |
| Stonebridge Bank Rates as of Mar. 16th | 1 year | 1.50% | $500 | ||
| Presidential Bank Rates as of Mar. 16th | 1 year | 1.49% | 1.50% | $1,000 | Internet CD |
| AmTrust Direct Rates as of Mar. 16th | 1 year | 1.49% | 1.50% | $1,000 | |
| EverBank Rates as of Mar. 16th | 1 year | 1.48% | 1.49% | $1,500 | Yield Pledge CD |
| Giantbank Rates as of Mar. 16th | 1 year | 1.45% | 1.46% | $2,500 | Giant Personal CD |
| Hudson City Rates as of Mar. 16th | 1 year | 1.42% | 1.45% | $500 | Rate disclosed is from New York market area, rate may vary by region. Market area NY, NJ, CT. |
| Nationwide Bank Rates as of Mar. 16th | 1 year | 1.45% | $500 | ||
| Geauga Savings Bank Rates as of Mar. 16th | 1 year | 1.45% | 1.45% | $1,000 | Local funds only, contact retail offices in Ohio |
| Hanmi Bank Rates as of Mar. 16th | 1 year | 1.41% | $1,000 | Internet CD - California only | |
| TriState Capital Bank Rates as of Mar. 16th | 1 year | 1.39% | 1.40% | $25,000 | 12 - 17 month term |
| Bank of Internet Rates as of Mar. 16th | 1 year | 1.39% | 1.40% | $1,000 | Term 12 to 23 months |
| Ultima Bank Rates as of Mar. 16th | 1 year | 1.40% | 1.40% | $1,000 | |
| Atlantic Coast Bank Rates as of Mar. 16th | 1 year | 1.39% | 1.40% | $1,000 | iCertificate of Deposit |
| Virtual Bank Rates as of Mar. 16th | 1 year | 1.35% | 1.36% | $10,000 | eCD rates for online account only |
| Ascencia Bank Rates as of Mar. 16th | 1 year | 1.34% | 1.35% | $500 | |
| Sterling Bank Rates as of Mar. 16th | 1 year | 1.34% | 1.35% | $500 | Standard 1 Yr CD (www.sterlingnj.com) |
| Fulton Bank Rates as of Mar. 16th | 1 year | 1.34% | 1.35% | $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 |
| California First National Bank Rates as of Mar. 16th | 1 year | 1.29% | 1.30% | $5,000 | |
| National Bank of Kansas City Rates as of Mar. 16th | 1 year | 1.24% | 1.25% | $1 | Personal CD 12 - 23 Month - open online, $5,000 to open |
| Northwest Savings Bank Rates as of Mar. 16th | 1 year | 1.25% | $500 | Promotion CD - only available to existing customers, limited to local western New York market area | |
| Danversbank Rates as of Mar. 16th | 1 year | 1.24% | 1.25% | $500 | Limited time offer CD special. Accounts limited to Massachusetts service area |
| Metropolitan National Bank Rates as of Mar. 16th | 1 year | 1.25% | $2,500 | Rate/APY may vary by location | |
| Transportation Alliance Bank Rates as of Mar. 16th | 1 year | 1.24% | 1.25% | $1,000 | |
| Rhinebeck Savings Bank Rates as of Mar. 16th | 1 year | 1.24% | 1.25% | $10,000 | |
| First National Bank of Groton Rates as of Mar. 16th | 1 year | 1.20% | 1.21% | $1,000 | Limited to local New York market area |
| Centennial Bank Rates as of Mar. 16th | 1 year | 1.20% | 1.21% | $10,000 | from CentennialBank.com |
| Trustco Bank Rates as of Mar. 16th | 1 year | 1.20% | $500 | Rate based on New York market area, rate may vary by location, market areas FL, NY, MA, NJ, VT | |
| Amegy Bank of Texas Rates as of Mar. 16th | 1 year | 1.20% | 1.20% | $10,000 | Personal Internet CD - open online |
| Sterling Bank and Trust Rates as of Mar. 16th | 1 year | 1.15% | $500 | eCD - APY's may vary by state | |
| Pacific Mercantile Bank Rates as of Mar. 16th | 1 year | 1.14% | 1.15% | $10,000 | |
| Allstate Bank Rates as of Mar. 16th | 1 year | 1.15% | 1.15% | $1,000 | Accounts can be opened with an Allstate agent or by online application |
| Amboy Direct Rates as of Mar. 16th | 1 year | 1.10% | 1.10% | $10,000 | eSavings CD - Earn 1.10% APY for 12 months if you maintain $10,000 balance, $100 to open |
| American Bank Rates as of Mar. 16th | 1 year | 1.10% | 1.10% | $1,000 | Located in TX, Fixed Rate-Money Market CD with limited check writing privileges. |
| MetLife Bank Rates as of Mar. 16th | 1 year | 1.10% | $25,000 | ||
| ING Direct Rates as of Mar. 16th | 1 year | 1.10% | $1 | Orange CD | |
| Fulton Bank Rates as of Mar. 16th | 1 year | 1.09% | 1.10% | $2,500 | Regular CD - 12 Month Variable Rate - rates vary by geographic location |
| Rome Savings Bank Rates as of Mar. 16th | 1 year | 1.09% | 1.10% | $500 | |
| M and T Bank Rates as of Mar. 16th | 1 year | 1.10% | $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, rate disclosed is based on NY market area | |
| Beal Bank Rates as of Mar. 16th | 1 year | 1.06% | 1.06% | $1,000 | Must be opened online to get this rate. |
| MetLife Bank Rates as of Mar. 16th | 1 year | 1.05% | $15,000 | ||
| Astoria Federal Savings Bank Rates as of Mar. 16th | 1 year | 1.04% | 1.05% | $500 | |
| Weymouth Bank Rates as of Mar. 16th | 1 year | 1.00% | 1.02% | $1,000 | Regular CD - South Shore Massachusetts market area |
| HSBC Direct Rates as of Mar. 16th | 1 year | 1.01% | $10 | Online CD | |
| E-Loan Rates as of Mar. 16th | 1 year | 1.00% | 1.00% | $10,000 | |
| Seacoast Commerce Bank Rates as of Mar. 16th | 1 year | 0.99% | 1.00% | $10,000 | Bank by Mail CD |
| Silvergate Bank Rates as of Mar. 16th | 1 year | 0.95% | 0.95% | $2,500 | Rate for balances up to $99,999 |
| Allied First Bank Rates as of Mar. 16th | 1 year | 0.90% | 0.90% | $500 | |
| Fulton Bank Rates as of Mar. 16th | 1 year | 0.90% | 0.90% | $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 |
| Provident Bank Rates as of Mar. 16th | 1 year | 0.90% | $500 | Regular CD - Limited to New York market area | |
| Citizens Trust Bank Rates as of Mar. 16th | 1 year | 0.85% | 0.85% | $1,000 | New customers must open in branch-limited to Georgia |
| Bank of America Rates as of Mar. 16th | 1 year | 0.80% | 0.80% | $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. |
| Zions Bank Rates as of Mar. 16th | 1 year | 0.80% | 0.80% | $1,000 | Internet CD |
| Sovereign Bank Rates as of Mar. 16th | 1 year | 0.75% | $500 | Rising Rate CD With Premier Checking | |
| OnBank Rates as of Mar. 16th | 1 year | 0.75% | $500 | ||
| Zions Bank Rates as of Mar. 16th | 1 year | 0.60% | 0.60% | $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. |
| Greystone Bank Rates as of Mar. 16th | 1 year | 0.50% | $50,000 |
