Compare Bank & Credit Union Rates
Best CD rates in San Francisco, CA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in San Francisco, CA
- Golden 1 Credit Union19-Month Term Savings CertificateCD · 19 months · $500 min
Credit union · 1 branch
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 - SF Fire Credit UnionPromotional 5-Month CertificateCD · 5 months · $250 min
Credit union · 3 branches
4.10%APY$169 over 5 months on $10,000intro rateRequirements
Product: Promotional rate valid for net new deposits only with funds that are not currently held at SF Fire Credit Union. Rate includes 0.10% firefighter rate bump automatically applied. Active and retired Fire Department employees qualify for the 0.10% rate bump; higher rate is the same for SFFD and Non-SFFD alike.
Offer: Promotional rate for new deposits.
Promotional rate · Effective Nov 8, 2024
Rate checked
More details - 4.03%APY$233 over 7 months on $10,000intro rate
Requirements
Product: Can only be opened online at www.amalgamatedbank.com. Cannot be opened at an Amalgamated Bank branch. Opening deposits must be new money only (deposits not previously held by the bank). Maximum opening deposit of $249,999.99 if opened online.
Offer: Must be opened online. Opening deposits must be new money only. Maximum opening deposit of $249,999.99 if opened online.
Promotional rate · 4.00% interest rate · Balance cap $249,999.99 · Effective Sep 25, 2026
Rate checked
More details - Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min
Credit union · 1 branch
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 - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - United Business BankU Matter Account Specials Certificate of DepositCD · 24 months · $5,000 min
Bank · 1 branch
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.
Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.
Promotional rate · Balance cap $10,000,000 · Effective Jul 23, 2026
Rate checked
More details - Bank of the OrientCertificate of DepositCD · 13 months · $10,000 min · 3.93%–4.08% by balance
Bank · 3 branches
3.93%APY$426 over 13 months on $10,000intro rateRequirements
Product: Limited time special rates effective start August 6, 2026 until further notice. A minimum opening deposit and minimum balance are required to earn the stated APY. Early withdrawal penalties may apply. Fees may reduce earnings. Offers may not be combined.
Offer: Limited time CD special rate for balances of $10,000 to $99,999. Early withdrawal penalties may apply.
Promotional rate · Effective Aug 6, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $10,000 – $99,999Your amount 3.93% $100,000 and up 4.08% Rate checked
More details - Provident Credit UnionFixed Rate CertificateCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 2 branches
3.90%APY$795 over 24 months on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Early withdrawal penalties apply.
3.83% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate Balance APY $1,000 and upYour amount 3.90% $50,000 and up 3.95% $100,000 and up 4.00% Rate checked
More details - Provident Credit UnionVariable Rate Add-On CertificateCD · 24 months · $500 min · 3.80%–3.90% by balance
Credit union · 2 branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Variable rates are subject to change anytime at the discretion of the Board of Directors. Dividend declaration date is the last day of the dividend period. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term.
Offer: Variable rate. Can add deposits of any amount anytime up to $1,000,000.
3.74% interest rate
Rate by balance
Rate by balance for Variable Rate Add-On Certificate Balance APY $500 and upYour amount 3.80% $50,000 and up 3.85% $100,000 and up 3.90% Rate checked
More details - Provident Credit UnionBump-Up CertificatesCD · 24 months · $1,000 min · 3.80%–3.90% by balance
Credit union · 2 branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Rate can be increased one time during certificate term to the current Bump-Up Certificate rate with that same term. Early withdrawal penalties apply.
Offer: One bump-up allowed during term to current rate.
3.74% interest rate
Rate by balance
Rate by balance for Bump-Up Certificates Balance APY $1,000 and upYour amount 3.80% $50,000 and up 3.85% $100,000 and up 3.90% Rate checked
More details - 3.75%APY$186 over 6 months on $10,000intro rate
Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Limited time offer. Dividend rates are fixed for the term of the certificate and not subject to tiered rates. Deposits cannot be added once opened. Institutional deposits are not eligible. Renewals at maturity to the same term at the fixed rate in effect. Early withdrawal penalty applies.
Offer: Limited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible.
Promotional rate · 3.69% interest rate
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 - 3.75%APY$312 over 10 months on $10,000with conditions
Requirements
Product: Requires corresponding Fremont Bank Checking account open and in good standing at the time of account opening. Initial Deposit must be from a Financial Institution other than Fremont Bank; new money. If opening in combination with funds already on deposit at Fremont Bank, $50,000 or more in new money is required. Checking account may be opened concurrently with Promotional CD account. Limit one promotional account per household. Substantial penalty for early withdrawal. Unless notified, at maturity Promotional CD accounts automatically renew into standard CD accounts (4-Month into 3-Month, 7-Month into 6-Month, 10-Month into 9-Month, 11-Month and 13-Month into 12-Month).
Offer: Automatically renews into a standard 9-Month CD.
Qualified rate · 3.69% interest rate · Balance cap $1,000,000 · Effective Oct 15, 2026
Rate checked
More details - 3.55%APY$537 over 18 months on $10,000intro rate
Requirements
Product: Membership required. Dividends must remain on deposit until maturity to earn stated APY. Additional deposits or withdrawals are not permitted until maturity.
Offer: Special promotional rate offer for 18 months. Membership required. Not available for corporate accounts. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 24-month Certificate.
Promotional rate · 3.49% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.55%APY$723 over 24 months on $10,000with conditions
Requirements
Offer: Requires Secure Checking or Silver Express account for an additional 0.25% boost
Qualified rate · 3.50% interest rate · Effective Jan 7, 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 Francisco, CA
370 CDs at 30 banks and credit unions · checked Oct 4–22
- Typical
- 2.18%
- Top 10% from
- 4.00%
- Banks, typical
- 1.25%
- Credit unions, typical
- 3.30%
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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