Highest 1-Year CD Rates
Compare 12-Month CD rates from 109 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top 10 Rates:4.10-4.25% APYFDIC or NCUA Insured

165 active 12-month cd products tracked

All Terms 3-Month CD 6-Month CD 9-Month CD 12-Month CD 18-Month CD 24-Month CD 36-Month CD 48-Month CD 60-Month CD

Top 50 1-Year CD Rates

Ordered by highest APY. Showing the top 50 of 165 12-month cd products tracked across 109 banks.

Rates verified: Friday, August 21, 2026

Top 50 CD terms from 42 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Bread Savings 1-Year CD Term: 12 months	4.25%APY Verified: Aug 20, 2026 Access: Online only	$1,500
#2	Popular Direct 12 Months Term: 12 months	4.25%APY Verified: Aug 20, 2026 Access: Online only	$10,000
#3	Bask Bank 12-Month Term: 12 months	4.15%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#4	CIBC Bank USA 12-Month Agility CD Term: 12 months	4.15%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#5	Climate First Bank 12-Month CD Term: 12 months	4.15%APY Verified: Aug 21, 2026 Access: Branch access	$500
#6	E*TRADE from Morgan Stanley 12-Month Certificates of Deposit Term: 12 months	4.15%APY Verified: Aug 21, 2026 Access: Online only	$0
#7	Sallie Mae Bank 12-Month Certificates of deposit CDs Term: 12 months	4.15%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#8	Colorado Federal Savings Bank 12-Month CD Term: 12 months	4.10%APY Verified: Aug 20, 2026 Access: Online only	$5,000
#9	Farm Bureau Bank FSB 1 Year CD Term: 12 months	4.10%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#10	Live Oak Bank 1 Year Personal CD Term: 12 months	4.10%APY Verified: Aug 20, 2026 Access: Online only	$2,500
#11	Live Oak Bank 1 Year Business CD Term: 12 months	4.10%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#12	Newtek Bank 12-Month CD Term: 12 months	4.10%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#13	Northeast Bank 1 Year CD Term: 12 months	4.10%APY Verified: Aug 21, 2026 Access: Branch access	$5,000
#14	Synchrony Bank 12 Month CD Term: 12 months	4.10%APY Verified: Aug 21, 2026 Access: Online only	$0
#15	Synchrony Bank 12 Month IRA CD Term: 12 months	4.10%APY Verified: Aug 21, 2026 Access: Online only	$0
#16	Ivy Bank 1-Year High-Yield Certificate of Deposit Term: 12 months	4.05%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#17	TAB Bank 12-Month CD Term: 12 months	4.05%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#18	Bank5 Connect 12-Month CD Term: 12 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$500
#19	Barclays 12-Month CD Term: 12 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$0
#20	Capital One 12-Month CD Term: 12 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$0
#21	CIT Bank 1 Year CD Term: 12 months	4.00%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#22	Citibank 1-Year CD Term: 12 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$500
#23	FinWise Bank 12-Month Certificate Term: 12 months	4.00%APY Verified: Aug 16, 2026 Access: Branch access	$500
#24	Lindell Bank & Trust Company 12-Month Special Certificates of Deposit** Term: 12 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$10,000
#25	Newtek Bank 12-Month CD Term: 12 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#26	Poppy Bank 12-Month IRA CD Term: 12 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#27	Salem Five Direct 12-Month Special CD Term: 12 months	4.00%APY Verified: Aug 19, 2026 Access: Online only	$10,000
#28	Prime Alliance Bank 12-Month Business CD Term: 12 months	3.95%APY Verified: Aug 19, 2026 Access: Branch access	$500
#29	The Napoleon State Bank 12-Month 1 year Term: 12 months	3.95%APY Verified: Aug 19, 2026 Access: Branch access	$500
#30	Ally Bank 12 Mo IRA CD Term: 12 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$0
#31	Ally Bank 12 Mo CD Term: 12 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$0
#32	Marcus by Goldman Sachs 12-Month CD Term: 12 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$500
#33	Grant County Bank 12-Month CD Term: 12 months	3.87%APY Verified: Aug 20, 2026 Access: Branch access	$100
#34	Zynlo Bank 12-Month CD Term: 12 months	3.85%APY Verified: Aug 21, 2026 Access: Online only	$0
#35	Bonanza Valley State Bank 12-Month CD Term: 12 months	3.80%APY Verified: Aug 19, 2026 Access: Branch access	$500
#36	First Federal Bank of Kansas City 12-Month CD Term: 12 months	3.80%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#37	First State Bank of Campbell Hill 12-Month Certificates of Deposits Term: 12 months	3.80%APY Verified: Aug 19, 2026 Access: Branch access	$500
#38	Flagstar Bank 12-Month CD Term: 12 months	3.80%APY Verified: Aug 19, 2026 Access: Branch access	$500
#39	Garden Plain State Bank 1 Year CD Term: 12 months	3.80%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#40	Vio Bank 12-Month Online Certificate of Deposit CD Term: 12 months	3.80%APY Verified: Aug 20, 2026 Access: Online only	$500
#41	Farm Bureau Bank FSB 1 Year CD with Step-Up Option Term: 12 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#42	First Exchange Bank 12 Month Special CD Term: 12 months	3.75%APY Verified: Aug 15, 2026 Access: Branch access	$10,000
#43	FirstBank of Nebraska 12 Month CD ($5,000+) Term: 12 months	3.75%APY Verified: Aug 19, 2026 Access: Branch access	$5,000
#44	FirstBank of Nebraska 12 Month IRA CD Term: 12 months	3.75%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#45	Freedom Bank 12 Month CD Special Term: 12 months	3.75%APY Verified: Aug 15, 2026 Access: Branch access	$500
#46	Garden Plain State Bank 1 Year IRA CD Term: 12 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#47	Global Bank 12-Month Certificate of Deposit Term: 12 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#48	Gateway Bank 12 Month CD Term: 12 months	3.70%APY Verified: Aug 16, 2026 Access: Branch access	N/A
#49	Peak Bank 12-Month CD Term: 12 months	3.69%APY Verified: Aug 21, 2026 Access: Online only	$500
#50	First Exchange Bank 12 Month CD Term: 12 months	3.65%APY Verified: Aug 15, 2026 Access: Branch access	$500

Bread Savings

1-Year CD

Term: 12 months

4.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,500

Access

Online only

Popular Direct

12 Months

Term: 12 months

4.25%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Online only

Bask Bank

12-Month

Term: 12 months

4.15%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

CIBC Bank USA

12-Month Agility CD

Term: 12 months

4.15%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

Climate First Bank

12-Month CD

Term: 12 months

4.15%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

E*TRADE from Morgan Stanley

12-Month Certificates of Deposit

Term: 12 months

4.15%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Sallie Mae Bank

12-Month Certificates of deposit CDs

Term: 12 months

4.15%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

Colorado Federal Savings Bank

12-Month CD

Term: 12 months

4.10%

APY

Verified: Aug 20, 2026

Min Deposit

$5,000

Access

Online only

Farm Bureau Bank FSB

1 Year CD

Term: 12 months

4.10%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#10

Live Oak Bank

1 Year Personal CD

Term: 12 months

4.10%

APY

Verified: Aug 20, 2026

Min Deposit

$2,500

Access

Online only

#11

Live Oak Bank

1 Year Business CD

Term: 12 months

4.10%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#12

Newtek Bank

12-Month CD

Term: 12 months

4.10%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#13

Northeast Bank

1 Year CD

Term: 12 months

4.10%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access

#14

Synchrony Bank

12 Month CD

Term: 12 months

4.10%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#15

Synchrony Bank

12 Month IRA CD

Term: 12 months

4.10%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#16

Ivy Bank

1-Year High-Yield Certificate of Deposit

Term: 12 months

4.05%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#17

TAB Bank

12-Month CD

Term: 12 months

4.05%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#18

Bank5 Connect

12-Month CD

Term: 12 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#19

Barclays

12-Month CD

Term: 12 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#20

Capital One

12-Month CD

Term: 12 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Branch access

#21

CIT Bank

1 Year CD

Term: 12 months

4.00%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#22

Citibank

1-Year CD

Term: 12 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#23

FinWise Bank

12-Month Certificate

Term: 12 months

4.00%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#24

Lindell Bank & Trust Company

12-Month Special Certificates of Deposit**

Term: 12 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$10,000

Access

Branch access

#25

Newtek Bank

12-Month CD

Term: 12 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#26

Poppy Bank

12-Month IRA CD

Term: 12 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#27

Salem Five Direct

12-Month Special CD

Term: 12 months

4.00%

APY

Verified: Aug 19, 2026

Min Deposit

$10,000

Access

Online only

#28

Prime Alliance Bank

12-Month Business CD

Term: 12 months

3.95%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#29

The Napoleon State Bank

12-Month 1 year

Term: 12 months

3.95%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#30

Ally Bank

12 Mo IRA CD

Term: 12 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#31

Ally Bank

12 Mo CD

Term: 12 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#32

Marcus by Goldman Sachs

12-Month CD

Term: 12 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#33

Grant County Bank

12-Month CD

Term: 12 months

3.87%

APY

Verified: Aug 20, 2026

Min Deposit

$100

Access

Branch access

#34

Zynlo Bank

12-Month CD

Term: 12 months

3.85%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#35

Bonanza Valley State Bank

12-Month CD

Term: 12 months

3.80%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#36

First Federal Bank of Kansas City

12-Month CD

Term: 12 months

3.80%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#37

First State Bank of Campbell Hill

12-Month Certificates of Deposits

Term: 12 months

3.80%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#38

Flagstar Bank

12-Month CD

Term: 12 months

3.80%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#39

Garden Plain State Bank

1 Year CD

Term: 12 months

3.80%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#40

Vio Bank

12-Month Online Certificate of Deposit CD

Term: 12 months

3.80%

APY

Verified: Aug 20, 2026

Min Deposit

$500

Access

Online only

#41

Farm Bureau Bank FSB

1 Year CD with Step-Up Option

Term: 12 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#42

First Exchange Bank

12 Month Special CD

Term: 12 months

3.75%

APY

Verified: Aug 15, 2026

Min Deposit

$10,000

Access

Branch access

#43

FirstBank of Nebraska

12 Month CD ($5,000+)

Term: 12 months

3.75%

APY

Verified: Aug 19, 2026

Min Deposit

$5,000

Access

Branch access

#44

FirstBank of Nebraska

12 Month IRA CD

Term: 12 months

3.75%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#45

Freedom Bank

12 Month CD Special

Term: 12 months

3.75%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access

#46

Garden Plain State Bank

1 Year IRA CD

Term: 12 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#47

Global Bank

12-Month Certificate of Deposit

Term: 12 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#48

Gateway Bank

12 Month CD

Term: 12 months

3.70%

APY

Verified: Aug 16, 2026

Min Deposit

N/A

Access

Branch access

#49

Peak Bank

12-Month CD

Term: 12 months

3.69%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#50

First Exchange Bank

12 Month CD

Term: 12 months

3.65%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access