Best 1 Year CD Rates in 2026

Name: Best 1 Year CD Rates in 2026
Creator: RateBrain

In 2026, the median 1 Year CD rate RateBrain tracked was 4.00% across 42 products. The highest was 5.41% APY from State Bank of India. That median was down from 4.50% in 2025.

« 2025 All years

Every 1 Year CD rate we tracked in 2026

Bank	High	Year end
Mountain One Bank	4.75%	4.75%
State Bank of India	5.41%	4.52%
EagleBank	4.45%	4.45%
Bask Bank	5.25%	4.35%
BAC Florida	5.30%	4.30%
CFG Bank	5.00%	4.30%
Bread Financial	5.15%	4.25%
Colorado Federal Savings Bank	4.25%	4.25%
Popular Direct	4.25%	4.25%
Sallie Mae	4.20%	4.20%
Barclays Bank	5.00%	4.15%
Alliant Credit Union	4.10%	4.10%
Live Oak Bank	4.10%	4.10%
Newtek Bank	5.15%	4.10%
Synchrony Bank	4.10%	4.10%
Ivy Bank	4.60%	4.05%
TAB Bank	5.15%	4.05%
Ally Bank	4.00%	4.00%
Bank5 Connect	4.25%	4.00%
Capital One 360	4.00%	4.00%
CIT Bank	4.00%	4.00%
Discover Bank	4.00%	4.00%
Total Direct Bank	4.50%	4.00%
HSBC Bank	4.80%	3.95%
Marcus	4.00%	3.90%
Quaint Oak Bank	5.00%	3.90%
Delta Community Credit Union	4.95%	3.85%
Academy Bank	5.00%	3.75%
Riverland Credit Union	4.50%	3.70%
American Express	3.75%	3.50%
EverBank	3.50%	3.50%
Quontic Bank	4.50%	3.50%
CD Bank	5.16%	3.43%
Able Banking	5.15%	3.25%
TFCU	3.25%	3.25%
ConnectOne Bank	5.15%	3.20%
Abound Credit Union	3.00%	3.00%
Merchants Bank of Indiana	5.25%	3.00%
Southeast Financial CU	3.70%	2.85%
BMO Alto	5.05%	2.50%
Connexus Credit Union	2.25%	2.25%
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.