Total Direct Bank CD Rate - 1 Year
Total Direct Bank's 1 Year CD pays 4.00% APY as of September 21, 2026, checked 19 hours ago. The rate was lowered from 4.50% on September 20, 2026. Since RateBrain began tracking it in 2023, this 1 Year CD has paid as much as 5.65% (Aug 2023) and as little as 4.00% (Sep 2026). It is currently at the median 1 Year CD rate we track (4.00% across 58 banks).
4.00% APY
down from 4.50% on Sep 20
- Last checked
- Sep 21 · 19 hours ago
- Minimum deposit
- None
Rate history
Now 4.00% APY
- All-time high 5.65% (Aug 2023)
- Low 4.00% (Sep 2026)
- 1-year change −0.50
- 8 changes
- Tracked since May 2023
- Full rate history »
The gray line is the median 1 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| September 20, 2026 | 4.00% | −0.50 |
| August 11, 2024 | 4.50% | −0.85 |
| May 10, 2024 | 5.35% | −0.15 |
| December 19, 2023 | 5.50% | −0.15 |
| August 21, 2023 | 5.65% | +0.19 |
| July 21, 2023 | 5.46% | +0.13 |
| July 10, 2023 | 5.33% | +0.17 |
| May 10, 2023 | 5.16% | first tracked |
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Copy linkOther Total Direct Bank rates
- 6 Month CD4.00%
- 2 Year CD3.75%
- 3 Year CD3.76%
- 5 Year CD3.76%
- Savings4.01%
Other 1 Year CD rates
- iGoBanking.com5.25%
- Goldwater Bank5.10%
- Gulf Coast Bank4.80%
- PenFed Credit Union4.80%
- Mountain One Bank4.75%
- Vio Bank4.70%
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.