Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.2% APY.
1
UF
UF
United Fidelity BankTop rate
FDIC insured$1,000 minMatures Jul 2027
1-year CDAPY
4.20%
+$1,050
interest over 1-year
Your bank pays 0.38%+3.82% higher APY
200 CDs across all terms · Updated July 9, 2026
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Independent rankingsMethodology →
How we rankWe rank by total value — not the headline teaser rateSponsored offers are labeled and never ranked higher for payingEvery account here is FDIC-insured to $250,000Methodology →
Best rate by term6 mo: 4.21%1 yr: 4.20%1.5 yr: 4.25%3 yr: 4.15%5 yr: 4.20%
Your balance$25,000
Currently earning0.38%
Or enter exact
%
Top 1-year CD earns
+$1,050
at 4.20% APY, locked for 1-year. That's $955 more than your bank over the term.
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.Ranked by true cost: APY by term, minimum deposit, early withdrawal penalty, and FDIC/NCUA insurance.
Proof of math
Why United Fidelity Bank is currently ranked first here
Your current rate
0.38% current rate
Best available
4.20% APY at United Fidelity Bank
You could earn more
$955
per year · $80/mo
How we calculated this
United Fidelity Bank 1-year CD: compound 4.20% APY over 1 yr vs 0.38%
Assumptions
- •$25,000 comparison balance.
- •0.38% current rate entered on this page.
- •1-year term; early-withdrawal penalties can reduce actual value.
Safety & friction
FDIC Insured~15 min setup$1,000 min deposit
Coverage is generally up to $250,000 per depositor, per insured institution, per ownership category.
CDs lock funds for the selected term unless you accept any applicable early-withdrawal penalty.
Why ranked here: Rank is based on current APY, fees, minimums, trust signals, and the active filters on this page.
Freshness: 200 CDs tracked by SwitchWize, checked July 9, 2026
SwitchWize may earn compensation from some partners. Sponsored status is disclosed and can be hidden with the page filter.
Rates and terms can change. Verify account details before opening.
Showing 44 CDs
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Our takeSolid if you can commit 1-year and meet the $25,000 minimum — earns 4.16% APY.
2
MB
MB
Merrick Bank
FDIC insured$25,000 minMatures Jul 2027
1-year CDAPY
4.16%
+$1,040
interest over 1-year
Your bank pays 0.38%+3.78% higher APY
Our takeOften earns the top rate in our 1-year and 18-month rankings. Higher minimum deposit than most online CDs; Puerto Rico–chartered, fully FDIC-insured. Best for savers who can meet the minimum.
3
PD
PD
Popular DirectTrusted
FDIC insured$10,000 minMatures Jul 2027
1-year CDAPY
4.15%
+$1,038
interest over 1-year
Your bank pays 0.38%+3.77% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.15% APY.
4
EA
EA
EagleBank
FDIC insured$1,000 minMatures Jul 2027
1-year CDAPY
4.15%
+$1,038
interest over 1-year
Your bank pays 0.38%+3.77% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.15% APY.
5
LB
LB
Limelight Bank
FDIC insured$1,000 minMatures Jul 2027
1-year CDAPY
4.15%
+$1,038
interest over 1-year
Your bank pays 0.38%+3.77% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.11% APY.
6
RB
RB
Rising Bank
FDIC insured$1,000 minMatures Jul 2027
1-year CDAPY
4.11%
+$1,027
interest over 1-year
Your bank pays 0.38%+3.73% higher APY
Our takeThe deposit is more than some of Sallie Mae's competitors and may put opening an account outside the reach of some savers.
7
SM
SM
Sallie Mae BankTrusted
FDIC insured$2,500 minMatures Jul 2027
1-year CDAPY
4.10%
+$1,025
interest over 1-year
Your bank pays 0.38%+3.72% higher APY
Our takeSolid if you can commit 1-year and meet the $1,000 minimum — earns 4.1% APY.
8
BB
BB
Bask BankTrusted
FDIC insured$1,000 minMatures Jul 2027
1-year CDAPY
4.10%
+$1,025
interest over 1-year
Your bank pays 0.38%+3.72% higher APY
Our take1-year CD with no minimum, earning 4.1% APY — 15 bps below our top pick.
9
ET
ET
E*TRADE
FDIC insuredNo minimumMatures Jul 2027
1-year CDAPY
4.10%
+$1,025
interest over 1-year
Your bank pays 0.38%+3.72% higher APY
Our takeSolid if you can commit 1-year and meet the $2,500 minimum — earns 4.1% APY.
10
LO
LO
Live Oak
FDIC insured$2,500 minMatures Jul 2027
1-year CDAPY
4.10%
+$1,025
interest over 1-year
Your bank pays 0.38%+3.72% higher APY
Our takeSolid if you can commit 1-year and meet the $5,000 minimum — earns 4.05% APY.
11
CF
CF
Colorado Federal Savings Bank
FDIC insured$5,000 minMatures Jul 2027
1-year CDAPY
4.05%
+$1,012
interest over 1-year
Your bank pays 0.38%+3.67% higher APY
Our takeSolid if you can commit 1-year and meet the $2,500 minimum — earns 4.01% APY.
12
WE
WE
WebBank
FDIC insured$2,500 minMatures Jul 2027
1-year CDAPY
4.01%
+$1,003
interest over 1-year
Your bank pays 0.38%+3.63% higher APY
Our takeSolid if you can commit 1-year and meet the $500 minimum — earns 4% APY.
13
CI
CI
CitibankTrusted
FDIC insured$500 minMatures Jul 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeWith requirement and a range of terms, nearly anyone can find a Capital One CD that works for them.
14
CO
CO
Capital OneTrusted
FDIC insuredNo minimumMatures Jul 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Our takeAmong the highest CD yields we track. Formerly Comenity Bank — fully FDIC-insured, though less consumer-recognized than national brands. Verify transfer timelines before moving a large balance.
15
BS
BS
Bread SavingsTrusted
FDIC insured$1,500 minMatures Jul 2027
1-year CDAPY
4.00%
+$1,000
interest over 1-year
Your bank pays 0.38%+3.62% higher APY
Updated July 9, 2026·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Our data: CD Gap Index·Advertising disclosure
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