Compare CD Rates

Find the best Certificate of Deposit rates across USA's financial institutions.

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1 Year Any Amount All Types

Best 1 Year CD Rates

Updated:
Financial Institution Rate Minimum Investment Type Actions
Ally Bank
4.75% $50,000 Standard CD
Marcus by Goldman Sachs
4.70% $75,000 Standard CD
Synchrony Bank
4.65% $100,000 Standard CD
Discover Bank
4.60% $50,000 Standard CD
Capital One
4.55% $75,000 Standard CD
American Express
4.50% $100,000 Standard CD
Barclays
4.45% $50,000 Standard CD
Citi Bank
4.40% $75,000 Standard CD
Marcus by Goldman Sachs
4.25% $100,000 No-Penalty CD
Ally Bank
4.20% $75,000 No-Penalty CD
CIT Bank
4.15% $50,000 No-Penalty CD
Synchrony Bank
4.60% $100,000 Standard CD
Ally Bank
4.55% $75,000 Standard CD
Marcus by Goldman Sachs
4.50% $50,000 Standard CD
Discover Bank
4.45% $100,000 Standard CD
Capital One
4.40% $75,000 Standard CD
Marcus by Goldman Sachs
4.10% $50,000 No-Penalty CD
Ally Bank
4.05% $100,000 No-Penalty CD
Synchrony Bank
4.50% $75,000 Standard CD
Ally Bank
4.45% $50,000 Standard CD
Marcus by Goldman Sachs
4.40% $100,000 Standard CD
Discover Bank
4.35% $75,000 Standard CD
Ally Bank
4.00% $100,000 No-Penalty CD
CIT Bank
3.95% $50,000 No-Penalty CD
Synchrony Bank
4.30% $75,000 Standard CD
Ally Bank
4.25% $100,000 Standard CD
Marcus by Goldman Sachs
4.20% $50,000 Standard CD
Discover Bank
4.15% $75,000 Standard CD
Capital One
4.10% $100,000 Standard CD
Marcus by Goldman Sachs
3.90% $75,000 No-Penalty CD
Ally Bank
3.85% $50,000 No-Penalty CD
CIT Bank
3.80% $100,000 No-Penalty CD
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About Our Rate Comparison

Rates shown are subject to change without notice. Always verify current rates directly with the financial institution before making investment decisions. Last updated:

Featured No-Penalty CDs

Marcus by Goldman Sachs

1 Year No-Penalty CD
4.25%

Annual Percentage Yield

Minimum Deposit
$100,000
Term Length
1 Year
Early Withdrawal
No penalty after 7 days
FDIC Insured
Yes
Get This Rate
Withdraw your full balance after 7 days with no penalty

Ally Bank

1 Year No-Penalty CD
4.15%

Annual Percentage Yield

Minimum Deposit
$75,000
Term Length
1 Year
Early Withdrawal
After 6 days
FDIC Insured
Yes
Get This Rate
Withdraw your full balance after 6 days without penalty

Capital One

1 Year No-Penalty CD
4.10%

Annual Percentage Yield

Minimum Deposit
$50,000
Term Length
1 Year
Early Withdrawal
No penalty
FDIC Insured
Yes
Get This Rate
Withdraw your full balance anytime without penalty

Frequently Asked Questions About CD Rates

We update our CD rates database daily to ensure you have access to the most current rates available. Financial institutions typically change their rates in response to Federal Reserve rate announcements or competitive market shifts.

Standard CDs offer higher rates because you commit to leaving your money invested for the full term, with penalties for early withdrawal. This gives the financial institution certainty about how long they'll have access to your funds. No-penalty CDs offer more flexibility but at the cost of a lower interest rate.

In some cases, CD rates can be negotiable, especially for larger investment amounts or if you have an existing relationship with the financial institution. Don't hesitate to ask if they can offer a better rate, particularly if you can show them higher rates from competitors.

When your CD matures, you typically have three options: withdraw the funds (principal plus interest), reinvest in a new CD, or have the funds automatically renew into a similar CD. Each institution has its own renewal policies, so check with your provider about your options before the maturity date.

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