4.25% APY
1 year
N/A
$10,000
Popular Direct stands out as the top choice because it offers a competitive 4.25% APY on its 1-year CD, making it an attractive option for savers looking to maximize their returns. With a solid reputation and FDIC insurance, it provides both security and high yields.
Pros:
- Competitive APY
- FDIC insured
Cons:
- High minimum deposit
4.40% APY
1 year
N/A
$1,000
What sets United Fidelity Bank apart is its promotional 4.40% APY for the 1-year CD, which is higher than many competitors. This makes it a compelling choice for those who can meet the minimum deposit requirement.
Pros:
- Promotional rate available
- Lower minimum deposit
Cons:
- Standard rate lower than promotional
4.20% APY
1 year
N/A
$1,000
Limelight Bank shines for its straightforward approach to CDs, offering a solid 4.20% APY with a minimum deposit of $1,000. This makes it accessible for many savers while ensuring their deposits are FDIC insured.
Pros:
- No monthly fees
- FDIC insured
Cons:
- Average APY compared to top competitors
4.30% APY
1 year
N/A
$500
A key differentiator for CFG Bank is its low minimum deposit requirement of just $500, combined with a competitive 4.30% APY for the 1-year CD. This makes it an excellent choice for new savers looking to start investing.
Pros:
- Low minimum deposit
- Competitive APY
Cons:
- Limited term options
4.00% APY
1 year
N/A
$0
Barclays offers a unique advantage with no minimum deposit required for its 1-year CD, making it accessible for all savers. However, the APY of 4.00% is lower than some competitors, which may be a consideration for those seeking higher returns.
Pros:
- No minimum deposit
- Flexible terms
Cons:
- Lower APY compared to competitors
Did you know?
One-year certificate of deposit (CD) terms balance yield with flexibility. Compare APY, minimum deposits, and early withdrawal penalties before you lock cash for twelve months.
Final Words
In summary, this September 2026, several top providers are offering attractive 1-year CD rates, including Popular Direct with an impressive 4.50% APY, along with others like Marcus by Goldman Sachs, Discover Bank, and Ally Bank. As you consider your options, be sure to compare rates and terms across these institutions to find the best fit for your financial goals.
Frequently Asked Questions
The top providers for 1-year CDs this September 2026 include United Fidelity Bank with a rate of 4.40% APY and Popular Direct Certificates of Deposit offering 4.25% APY.
United Fidelity Bank requires a minimum deposit of $1,000 for their 1-year CD.
To open a 1-year CD at Popular Direct, you need a minimum deposit of $10,000.
1-year CDs typically offer higher interest rates compared to regular savings accounts, providing a safe way to grow your money over a fixed term.
Most 1-year CDs impose an early withdrawal penalty if you take out your money before the maturity date.
At the end of the 1-year term, the CD will typically either mature and pay out the interest, or it may automatically renew unless you provide instructions otherwise.
The interest rates for 1-year CDs are generally fixed, meaning they do not change during the term of the CD.
Compare CD Rates
Summary of all rates from our cd rate pages. Click column headers to sort.
