Compare Bank & Credit Union Rates
Best CD rates in Sacramento, CA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Sacramento, CA
- Golden 1 Credit Union9-Month New Money Term Savings CertificateCD · 9 months · $500 min
Credit union · 11 branches
4.30%APY$321 over 9 months on $10,000intro rateRequirements
Product: This special 9-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. The APY is based on an assumption that principal and dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal.
Offer: Can only be opened in-branch or by phone and funded with new money.
Promotional rate · 4.22% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.30%APY$689 over 19 months on $10,000intro rate
Requirements
Product: Available for a limited time. Promotional rate good for initial term only. At maturity, account automatically renews into a standard term certificate for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
Offer: 19-Month Promotional Share Certificate.
Promotional rate · 4.21% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$105 over 3 months on $10,000
Requirements
Offer: APY accurate as of September 24, 2026. Rate may change after account is opened. Minimum balance requirement must be maintained in the account each day to obtain the disclosed APY. Grace period of seven calendar days after maturity to withdraw funds without penalty. Early withdrawal penalty equals 3.00% of the principal amount withdrawn early.
4.16% interest rate · Effective Sep 24, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Limited-time only. Interest compounded monthly, regardless of amount. A penalty may be imposed for withdrawals before maturity.
Offer: The 9-month certificate will automatically renew to a 6-month term upon maturity.
Promotional rate · 4.16% interest rate · Compounded monthly · Effective Oct 16, 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
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
Rate checked
More details - 4.20%APY$600 over 17 months on $10,000
Requirements
Product: There is no minimum balance required to earn the stated APY. The minimum opening deposit for a regular certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.
Offer: Limited-Time Special.
4.12% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Golden 1 Credit Union10-Month New Money Term Savings CertificateCD · 10 months · $500 min
Credit union · 11 branches
4.15%APY$345 over 10 months on $10,000intro rateRequirements
Product: Can only be opened in-branch or by phone and funded with new money (funds not on deposit at Golden 1 in the 30 days prior to account opening). Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal.
Offer: Must be funded with new money.
Promotional rate · 4.07% interest rate · Effective Sep 25, 2026
Rate checked
More details - Golden 1 Credit Union19-Month Term Savings CertificateCD · 19 months · $500 min
Credit union · 11 branches
4.15%APY$665 over 19 months on $10,000Requirements
Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
4.07% interest rate · Effective Sep 25, 2026
Rate checked
More details - SchoolsFirst FCUShare CertificateCD · 60 months · $500 min · 4.10%–4.30% by balance
Credit union · 4 branches
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
4.02% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and upYour amount 4.10% $20,000 and up 4.15% $50,000 and up 4.20% $100,000 and upJumbo tier. 4.25% $250,000 and upJumbo tier. 4.30% Rate checked
More details - First U.S. Community Credit UnionShare CertificateCD · 3–12 months · $500 min
Credit union · 1 branch
4.00%APYintro rateRequirements
Product: Federally insured by NCUA up to $250,000. Penalty for early withdrawal; withdrawals will reduce earnings.
Offer: Certificate Special: 3, 6, 9 or 12 Month Special. Fixed rate. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates.
Promotional rate · 3.93% interest rate · Effective Oct 16, 2026
Rate checked
More details - Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min
Credit union · 11 branches
4.00%APY$165 over 5 months on $10,000Requirements
Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
3.93% interest rate · Effective Sep 25, 2026
Rate checked
More details - California Community Credit UnionTerm Account / CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000Requirements
Product: Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
Offer: Fixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies.
3.94% interest rate · Effective Sep 28, 2026
Rate checked
More details - California Community Credit UnionTerm Savings Certificate SpecialCD · 6 months · $1,000 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Dividends paid quarterly, APY assumes dividends remain in account until maturity. Maximum deposit amount is $478,000.00. Early withdrawals incur a penalty. Renews to a standard Certificate at non-promotional dividend rate in effect at maturity.
Offer: Dividends paid quarterly. Early withdrawal penalty applies. Renews to standard Certificate at non-promotional dividend rate at maturity.
Promotional rate · Balance cap $478,000 · Effective Aug 25, 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 Sacramento, CA
284 CDs at 20 banks and credit unions · checked Oct 4–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.38%
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Sacramento, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Travis Credit UnionCredit union · 2 branches
- Firefighters First Credit UnionCredit union · 1 branch
- First BankBank · 3 branches