Best 1 Year CD Rates in 2025
In 2025, the median 1 Year CD rate RateBrain tracked was 4.50% across 39 products. The highest was 5.41% APY from State Bank of India. The median was unchanged from 2024.
Every 1 Year CD rate we tracked in 2025
| Bank | High | Year end |
|---|---|---|
| State Bank of India | 5.41% | 5.41% |
| Bask Bank | 5.25% | 5.25% |
| Merchants Bank of Indiana | 5.25% | 5.25% |
| CD Bank | 5.16% | 5.16% |
| Able Banking | 5.15% | 5.15% |
| Bread Financial | 5.15% | 5.15% |
| Newtek Bank | 5.15% | 5.15% |
| TAB Bank | 5.15% | 5.15% |
| BMO Alto | 5.05% | 5.05% |
| Academy Bank | 5.00% | 5.00% |
| Barclays Bank | 5.00% | 5.00% |
| CFG Bank | 5.00% | 5.00% |
| Quaint Oak Bank | 5.00% | 5.00% |
| Delta Community Credit Union | 4.95% | 4.95% |
| HSBC Bank | 4.80% | 4.80% |
| Mountain One Bank | 4.75% | 4.75% |
| Ivy Bank | 4.60% | 4.60% |
| Quontic Bank | 4.50% | 4.50% |
| Riverland Credit Union | 4.50% | 4.50% |
| Total Direct Bank | 4.50% | 4.50% |
| Bank5 Connect | 4.25% | 4.25% |
| Alliant Credit Union | 4.30% | 4.00% |
| Capital One 360 | 4.00% | 4.00% |
| Live Oak Bank | 4.40% | 4.00% |
| Marcus | 4.25% | 4.00% |
| Popular Direct | 4.50% | 4.00% |
| Sallie Mae | 4.40% | 4.00% |
| Colorado Federal Savings Bank | 4.50% | 3.90% |
| Discover Bank | 4.20% | 3.90% |
| Ally Bank | 3.90% | 3.85% |
| Synchrony Bank | 4.15% | 3.80% |
| American Express | 3.75% | 3.75% |
| Southeast Financial CU | 3.70% | 3.70% |
| EverBank | 4.00% | 3.50% |
| TFCU | 3.75% | 3.25% |
| Abound Credit Union | 2.75% | 2.75% |
| Connexus Credit Union | 2.78% | 2.00% |
| CIT Bank | 0.30% | 0.30% |
| Nationwide Bank | 0.20% | 0.20% |
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.