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Highest 1-Year CD Rates
Compare 12-Month CD rates from 913 banks

By Aviel Fahl

Newest reading: October 5, 2026

Top 10 Rates:4.40-4.75% APYFDIC or NCUA Insured
1447 active 12-month cd products tracked. The count includes business, IRA and other CD types, and CDs whose term range covers 12 months.

Top 50 1-Year CD Rates

Ordered by highest APY. Showing the top 50 of 1447 12-month cd products tracked across 913 banks.

Newest reading: Monday, October 5, 2026

Top 50 CD terms from 42 banks,sorted by highest APY
#1
E*TRADE from Morgan Stanley

12-Month Certificates of Deposit

Term: 12 months

Available nationwide

4.75%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#2
Lindell Bank & Trust Company

12-Month Special Certificates of Deposit**

Term: 12 months

4.60%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

Yes

#3
Raymond James Bank

12 Month CD

Term: 12 months

4.60%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

N/A

#4
Credit One Bank, National Association

12 Month High Yield Jumbo CD

Term: 12 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$100,000

Branches

N/A

#5
Habib American Bank

12 Month CD

Term: 12 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

N/A

Branches

Yes

#6
Northern Bank & Trust Company

Premium 12 Month CD

Term: 12 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#7
Popular Direct

12 Months

Term: 12 months

Available nationwide

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

None

#8
EagleBank

12 Month CD

Term: 12 months

4.45%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#9
The Community State Bank

12 Month CD

Term: 12 months

4.42%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#10
Marcus by Goldman Sachs

12-Month CD

Term: 12 months

Available nationwide

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

None

#11
Bask Bank

12-Month

Term: 12 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

None

#12
CIBC Bank USA

12-Month Agility CD

Term: 12 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#13
DR Bank

12 Month CD

Term: 12 months

4.35%
APY
Observed: Oct 2, 2026
Min Deposit

$500

Branches

Yes

#14
DR Bank

12 Month IRA CD

Term: 12 months

4.35%
APY
Observed: Oct 2, 2026
Min Deposit

N/A

Branches

Yes

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#16
First National Bank of Michigan

12 Month CD

Term: 12 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

Yes

#17
SouthEast Bank

12-Month CD Special

Term: 12 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#19
Enterprise Bank

1 Year CD

Term: 12 months

4.33%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#20
Atkins Savings Bank & Trust

12 Month CD

Term: 12 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

N/A

#21
Fidelity Bank & Trust

12 Month CD

Term: 12 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

N/A

Branches

Yes

#22
First Bank of Central Ohio

12-Month CD

Term: 12 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#23
FreedomBank

12 Month CD

Term: 12 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#24
Live Oak Bank

1 Year Personal CD

Term: 12 months

Available nationwide

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

None

#25
Live Oak Bank

1 Year Business CD

Term: 12 months

Available nationwide

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

None

#26
Sallie Mae Bank

12-Month Certificates of deposit CDs

Term: 12 months

Available nationwide

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

None

#27
First Westroads Bank, Inc.

12 Month CD

Term: 12 months

4.28%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#28
Park Bank, National Association

1 Year CD

Term: 12 months

4.26%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

Yes

#29
Argentine Federal Savings

12 Month CD

Term: 12 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#30
Argentine Federal Savings

12 Month IRA CD

Term: 12 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#31
Bank of Deerfield

12 Month

Term: 12 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#32
Bank of Deerfield

12 Month IRA

Term: 12 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#33
Barclays

12-Month CD

Term: 12 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#34
Bread Savings

1-Year CD

Term: 12 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,500

Branches

None

#35
Bread Savings

1-Year Retirement CD

Term: 12 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,500

Branches

N/A

#36
Citibank

1-Year CD

Term: 12 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#37
Colorado Federal Savings Bank

12-Month CD

Term: 12 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$5,000

Branches

None

#38
Empire State Bank

12 Month CD

Term: 12 months

4.25%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#39
Empire State Bank

12 Month IRA CD

Term: 12 months

4.25%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#40
Frontier State Bank

12 Month CD

Term: 12 months

4.25%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#41
New Millennium Bank

12 Month Certificate

Term: 12 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#42
Poppy Bank

12-Month IRA CD

Term: 12 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#43
Poppy Bank

12-Month CD

Term: 12 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#44
Prime Alliance Bank

12-Month Business CD

Term: 12 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#45
Rising Bank

Term CD 1-Year

Term: 12 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

None

#46
The Dickinson County Bank

12 Mo. CD

Term: 12 months

4.25%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

N/A

#47
Gulf Coast Business Bank

12 Month CD

Term: 12 months

4.24%
APY
Observed: Oct 5, 2026
Min Deposit

$5,000

Branches

Yes

#48
Pilgrim Bank

1 Year CD

Term: 12 months

4.22%
APY
Observed: Oct 5, 2026
Min Deposit

$5,000

Branches

Yes

#49
Academy Bank, National Association

12-Month CD

Term: 12 months

4.20%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#50
Academy Bank, National Association

12-Month CD IRA

Term: 12 months

4.20%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes