Bank · FDIC insured
City First Bank CD Rates
Top CarrotCity First Bank’s best CD rate is 4.35% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How City First Bank’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where City First Bank has the most branches. $10,000, best rate first.
This bank’s best
City First Bank
4.35%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $435
Certificates of Deposit (Digital)
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
City First Bank CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where City First Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (Digital)
Up to 4.35%APY · 3 terms
Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.75% | — | 3.75% | $92 |
| 6 months | 4.25% | — | 4.25% | $210 |
| 12 months | — | 4.35% | 4.35% | $435 |
Sources (1)
- cityfirstbank.com/deposit-rates · captured Oct 17, 2026
Certificates of Deposit (CD) (Retail/Consumer Only)
Up to 4.25%APY · 10 terms
Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 4 months | 3.25% | $107 |
| 6 months | 4.10% | $203 |
| 9 months | 3.80% | $284 |
| 12 months | 4.25% | $425 |
| 18 months | 3.15% | $476 |
| 24 months | 3.15% | $640 |
| 36 months | 2.75% | $848 |
| 48 months | 2.25% | $931 |
| 60 months | 2.75% | $1,453 |
Sources (1)
- cityfirstbank.com/deposit-rates · captured Oct 17, 2026
Special-purpose accounts
IRA Certificates of Deposit (IRA CD)
Up to 3.75%APY · 5 terms
Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion. Traditional and Roth IRAs are supported.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91-Day | 3.50% | $86 |
| 6 months182-Day | 3.70% | $183 |
| 12 months | 3.75% | $375 |
| 18 months | 3.00% | $453 |
| 24 months | 3.00% | $609 |
Sources (1)
- cityfirstbank.com/deposit-rates · captured Oct 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.