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 152 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
USALLIANCE Financial	5.00%	5.00%
State Bank of India	5.41%	4.89%
EagleBank	4.80%	4.80%
BTG Pactual US	4.65%	4.65%
CFG Bank	5.00%	4.65%
Merrick Bank	4.65%	4.65%
NASA Federal Credit Union	4.60%	4.60%
Popular Direct	4.60%	4.60%
Raymond James Bank	4.60%	4.60%
E*TRADE Bank	4.75%	4.55%
Rising Bank	4.51%	4.51%
Ally Bank	4.50%	4.50%
Barclays Bank	5.00%	4.50%
CIBC Bank USA	4.50%	4.50%
Hanscom Federal Credit Union	4.50%	4.50%
HUSTL Financial	4.50%	4.50%
KS StateBank	4.50%	4.50%
Live Oak Bank	4.50%	4.50%
Quorum Federal Credit Union	4.50%	4.50%
Salem Five	4.50%	4.50%
Sallie Mae	4.50%	4.50%
SmartyPig	4.50%	4.50%
Third Federal Savings and Loan	4.50%	4.50%
ValorFI Heroes	4.50%	4.50%
Climate First Bank	4.46%	4.46%
Bread Financial	5.15%	4.45%
Finworth	4.45%	4.45%
First National Bank of America	4.45%	4.45%
Leader Bank	4.45%	4.45%
Total Bank	4.50%	4.45%
Able Banking	5.15%	4.40%
Accordia Bank	4.40%	4.40%
Marcus	4.40%	4.40%
NexBank	4.40%	4.40%
Zynlo Bank	4.40%	4.40%
WebBank	4.36%	4.36%
Bask Bank	5.25%	4.35%
City First Bank	4.35%	4.35%
Colorado Federal Savings Bank	4.35%	4.35%
DR Bank	4.35%	4.35%
Navy Federal Credit Union	4.35%	4.35%
Pacific National Bank	4.35%	4.35%
Pibank	4.35%	4.35%
UNCLE Credit Union	4.33%	4.33%
Sun Canyon Bank	4.32%	4.32%
Alliant Credit Union	4.30%	4.30%
Bank of Utah	4.30%	4.30%
Flagstar Bank	4.30%	4.30%
Synchrony Bank	4.30%	4.30%
Vio Bank	4.70%	4.30%
Citibank	4.25%	4.25%
InTouch Credit Union	4.25%	4.25%
Prime Alliance Bank	4.25%	4.25%
Service Credit Union	4.25%	4.25%
Space Coast Credit Union	4.25%	4.25%
Academy Bank	5.00%	4.20%
HSBC Bank	4.80%	4.20%
Texas Capital Bank	4.20%	4.20%
All In Credit Union	4.18%	4.18%
Always.bank	4.15%	4.15%
Goldwater Bank	5.10%	4.15%
Langley Federal Credit Union	4.15%	4.15%
Quaint Oak Bank	5.00%	4.15%
Banesco	4.90%	4.10%
Nelnet Bank	4.10%	4.10%
Newtek Bank	5.15%	4.10%
RBC Bank	4.10%	4.10%
Skyla Credit Union	4.10%	4.10%
Merchants Bank of Indiana	5.25%	4.08%
Ivy Bank	4.60%	4.05%
TAB Bank	5.15%	4.05%
Andrews Federal Credit Union	4.00%	4.00%
Austin Capital Bank	4.00%	4.00%
Bank5 Connect	4.25%	4.00%
Capital One	4.00%	4.00%
Capital One 360	4.00%	4.00%
CFBank	4.00%	4.00%
CIT Bank	4.00%	4.00%
Delta Community Credit Union	4.95%	4.00%
Discover Bank	4.00%	4.00%
First Internet Bank	4.00%	4.00%
Global Credit Union	4.00%	4.00%
Quontic Bank	4.50%	4.00%
Signature Federal Credit Union	4.00%	4.00%
TFCU	4.00%	4.00%
Self Help Credit Union	4.71%	3.98%
HAB Bank	3.85%	3.85%
Genisys Credit Union	3.80%	3.79%
Lafayette Federal Credit Union	3.76%	3.76%
American Express	3.75%	3.75%
Androscoggin Bank	3.75%	3.75%
Apple Federal Credit Union	5.00%	3.75%
Davis Trust Company	3.75%	3.75%
Harborstone Credit Union	3.75%	3.75%
WECU	3.75%	3.75%
Ridgewood Savings Bank	3.70%	3.70%
Riverland Credit Union	4.50%	3.70%
Peak Bank	3.69%	3.69%
Nat'l Bank of Kansas City	4.00%	3.66%
Forbright Bank	3.65%	3.65%
Latino Community Credit Union	3.65%	3.65%
BAC Florida	5.30%	3.60%
Virtual Bank	3.87%	3.51%
Bank Purely	3.50%	3.50%
Digital Federal Credit Union	3.50%	3.50%
EverBank	3.50%	3.50%
Fifth Third Bank	3.50%	3.50%
First Tech Federal Credit Union	3.50%	3.50%
Happen Bank	3.50%	3.50%
Ponce Bank	3.50%	3.50%
Gulf Coast Bank	4.80%	3.45%
Carver Federal Savings Bank	3.43%	3.43%
CD Bank	5.16%	3.43%
Amalgamated Bank	3.40%	3.40%
Sharonview Federal Credit Union	3.40%	3.40%
Southeast Financial CU	3.70%	3.40%
US Bank	3.40%	3.40%
First Bank of the Lake	3.35%	3.35%
Chartway Credit Union	3.30%	3.30%
Provident Credit Union	3.30%	3.30%
Atlantic Union Bank	3.25%	3.25%
Citizens Access	4.50%	3.25%
Northpointe Bank	3.25%	3.25%
Justice Federal Credit Union	3.21%	3.21%
ConnectOne Bank	5.15%	3.20%
PenFed Credit Union	4.80%	3.20%
Truliant Federal Credit Union	3.05%	3.05%
HOPE Credit Union	3.04%	3.04%
American State Bank	3.04%	3.04%
Abound Credit Union	3.00%	3.00%
BMO Alto	5.05%	3.00%
Patelco	4.00%	3.00%
United Republic Bank	3.00%	3.00%
Connexus Credit Union	2.75%	2.75%
Dollar Savings Direct	2.75%	2.75%
Elements Financial	2.75%	2.75%
Locality Bank	2.75%	2.75%
Mountain One Bank	4.75%	2.75%
GiantBank	2.28%	2.28%
USAA	1.80%	1.80%
FourLeaf Federal Credit Union	1.25%	1.25%
First Command Bank	0.85%	0.85%
Provident NJ	0.75%	0.75%
Ameriprise Bank	4.60%	0.50%
Chase Bank	0.50%	0.50%
OMB Bank	0.45%	0.45%
First Mid Bank & Trust	0.40%	0.40%
Nationwide Bank	0.20%	0.20%
Great Lakes Credit Union	0.15%	0.15%
MidFirst Direct	0.10%	0.10%
OceanFirst Bank	0.10%	0.10%
Bank of America	0.03%	0.03%

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.