![]() ![]() If you're worried about bank failures, keep in mind money is safe at a federally insured financial institution. Our top picks for CDs are protected by FDIC or NCUA insurance. ![]() These are our picks for the best 1-year CD rates. If rates are rising or you'll need regular access to your money, a savings account might be a better fit. Compare the Best 1-Year CDsĬD could be better than a high-yield savings account if you do not need immediate access to your money or expect interest rates to drop. Membership at City Credit Union is open to anyone who lives, works, worships, or attends school in an eligible county in Texas (Cooke, Grayson, Wise, Denton, Collin, Hunt, Rockwall, Dallas, Tarrant, Parker, Johnson, Ellis or Kaufman County). Limelight Bank 1 Year Online CD: 5.60% APY.BMO Alto 1 Year High Yield CD: 5.65% APY.Here are our recommendations for the best 1-year CDs. We check rates daily to find the best rates for 1-year terms. If you are looking for additional CD options, there are other financial institutions with high 1-year CD rates, too. The best CD rate on a 1-year CD is 6.00% APY from City Credit Union. However, the best online banks pay well over 5% APY on a 1-year CD. The average rate for a 1-year CD in the US is 1.85% APY (Annual Percentage Yield). ![]()
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