Compare Bank & Credit Union Rates
Best CD rates in San Diego, CA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 46–57 results in San Diego, CA
- 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 31 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - San Diego County Credit UnionCertificate AccountCD · 18 months · $2,000 min
Credit union · 15 branches
1.75%APY$264 over 18 months on $10,000Requirements
Product: Minimum opening deposit: $2,000 for long-term certificates. Additional funds cannot be added during the term. APYs assume dividends remain in the account until maturity. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty: 90 days' dividends for terms of 1 year or less, 180 days' dividends for terms greater than 1 year.
Offer: Early withdrawal penalty: 180 days' dividends.
1.74% interest rate · Effective Oct 5, 2026
Rate checked
More details - 1.20%APY$364 over 36 months on $10,000
Requirements
Product: Exclusive higher rate for eligible active-duty, reservists, retired military, or veteran Members and their spouses. Eligibility must be verified with valid military or veteran identification at account opening. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends. Monthly automatic deposits between $10 and $1,000 required.
Offer: Available only to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Opening deposit $100-$1,000; automatic monthly deposits $10-$1,000.
1.19% interest rate · Effective Sep 1, 2026
Rate checked
More details - 0.95%APY$288 over 36 months on $10,000
Requirements
Product: Must be a Member or qualify for membership to open a certificate. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends and APY. Monthly automatic deposits between $10 and $1,000 must be the same amount each month for full term. Early withdrawal penalty applies.
Offer: Opening deposit between $100 and $1,000; automatic monthly deposit of $10 to $1,000 required. Minimum daily balance of $100 required to earn dividends.
0.95% interest rate · Effective Sep 1, 2026
Rate checked
More details - California Coast Credit Union18 Month Bump Rate CertificateCD · 18 months · $1,000 min · 0.40%–0.55% by balance
Credit union · 10 branches
0.50%APY$75 over 18 months on $10,000Requirements
Product: Allows one rate bump during the term at owner's request if rates rise; new rate remains in effect until maturity. Additional deposits allowed at any time during the term. Minimum deposit and balance to earn dividends is $1,000. $5 one-time membership fee and savings account required for membership.
Offer: Allows one rate bump during term. Additional deposits allowed anytime.
0.39% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for 18 Month Bump Rate Certificate Balance APY $1,000 – $10,000 0.40% $10,000 – $50,000Your amount 0.50% $50,000 – $90,000 0.55% $90,000 and up 0.55% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.10%APY$25 over 30 months on $10,000intro rate
Requirements
Offer: Months 21-30
Promotional rate · 0.15% interest rate · Effective Oct 22, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
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 San Diego, CA
430 CDs at 33 banks and credit unions · checked Oct 4–22
- Typical
- 2.45%
- Top 10% from
- 4.00%
- Banks, typical
- 1.56%
- Credit unions, typical
- 3.25%
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Find your bank or credit union to see all its rates and how they compare near you.
San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches