Compare Bank & Credit Union Rates
Best CD rates in Concord, CA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Concord, CA
- 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Minimum initial deposit $500. Dividends compound monthly. Penalty for early withdrawal. Automatically renews at maturity at the nearest available standard term and dividend rate, not to exceed the term of the Certificate Special.
Offer: 18 months (548 days). Dividends compound monthly. Penalty for early withdrawal.
Promotional rate · 4.22% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: Minimum balance is $250.00. Subject to early withdrawal penalties.
Offer: Promotional offer available for New Money only (funds originating outside Patelco deposited within 10 calendar days prior to opening). Dividends paid monthly.
Promotional rate · 4.17% interest rate · Effective Aug 7, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Diablo Valley Federal Credit UnionShare CertificateCD · 3 months · $1,000 min · 3.40%–3.65% by balance
Credit union · 1 branch
3.65%APY$90 over 3 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal.
Offer: 90 Day Certificate Special. $100,000 per member maximum. Limit one certificate special per member, regardless of the number of accounts.
Promotional rate · 3.35% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $10,000 3.40% $10,000 – $100,000Your amount 3.65% Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.
3.35% interest rate
Rate checked
More details - BAC Community BankStandard Certificates of Deposit (CDs)CD · 11 months · $2,500 min · 3.35%–3.71% by balance
Bank · 1 branch
3.35%APY$307 over 11 months on $10,000Requirements
Product: Online account opening is available for Existing Customers when opened as a Personal account with individual or joint ownership. Subject to change without notice. A penalty for early withdrawal may apply.
3.30% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Standard Certificates of Deposit (CDs) Balance APY $2,500 – $10,000 3.35% $10,000 – $50,000Your amount 3.35% $50,000 – $100,000 3.61% $100,000 and up 3.71% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - Pacific Service Credit UnionCertificatesCD · 60 months · $1,000 min · 3.10%–3.20% by balance
Credit union · 1 branch
3.10%APY$1,649 over 60 months on $10,000Requirements
Product: Membership requires opening a primary savings account with a minimum balance of $5.00. $1,000 minimum required to open account and earn dividends; $100 for members age 23 and under. A penalty may be imposed for early withdrawals.
Offer: Balances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal.
3.06% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificates Balance APY Up to $50,000Your amount 3.10% $50,000 – $99,999 3.15% $100,000 and up 3.20% Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Concord, CA
244 CDs at 14 banks and credit unions · checked Oct 6–22
- Typical
- 1.50%
- Top 10% from
- 3.71%
- Banks, typical
- 0.35%
- Credit unions, typical
- 3.00%
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San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches