One year certificate of deposit rates (CD Rates) are averaging only 1.05 percent this week. The average two year CD rate is currently at 1.489 percent.

All of the rates we have listed below beat the average one year CD rate and the average two year CD Rate.

• CD Rate Table Tool: Highest CD Rates in Your Area.

Here is are current lists of the top 5 one year CD rates in Newark, NJ, Tampa, FL, Pleasanton, CA, Reston,VA, Miami,  FL, Orlando, FL, Philadelphia, PA, Pittsburgh, PA, Boston, MA and Richardson, TX.

Top 5 CD Rates

Newark, New Jersey:

1. Bay Ridge Federal Credit Union 1.75% APY Min $500
2. UFB Direct 1.71% APY Min $8000
3. Tennessee Commerce Bank 1.70% APY Min $2500
4. Discover Bank 1.70% APY Min $2500
5. Ally Bank 1.64% APY Min $1

Pleasanton, California:

1. First Federal Bank of California 1.75% APY Min $10000
2. UFB Direct 1.71% APY Min $8000
3. Tennessee Commerce Bank 1.70% APY Min $2500
4. Discover Bank 1.70% APY Min $2500
5. Ally Bank 1.64% APY Min $1

The following cities all have the same top 5 CD rates.

Tampa, Florida, Miami, Florida, Orlando, Florida, Reston, Virginia, Philadelphia, Pennsylvania, Pittsburgh, Pennsylvania, Boston Massachusetts and Richardson, Texas:

1. UFB Direct 1.71% APY Min $8000
2. Tennessee Commerce Bank 1.70% APY Min $2500
3. Discover Bank 1.70% APY Min $2500
4. Ally Bank 1.64% APY Min $1
5. Giantbank.com 1.61% APY Min $2500

You can find the highest CD rates in your area by searching our CD tables: Current CD Rates