Compare Bank & Credit Union Rates
Best CD rates in California
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 241–255 results in California
- 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Certified Federal Credit UnionJumbo Share CertificatesCD · 6 months · $10,000 min
Credit union · 11 branches
3.55%APY$176 over 6 months on $10,000Requirements
Product: Penalties may apply for early withdrawals. Higher minimum balance requirement in exchange for higher annual yield.
Offer: Penalties may apply for early withdrawals.
3.49% interest rate · Effective Feb 6, 2026
Rate checked
More details - Sun Pacific Federal Credit UnionShare Certificate AccountsCD · 6 months · 3.35%–3.55% by balance
Credit union · 1 branch
3.55%APY$176 over 6 months on $10,000Effective Apr 21, 2026
Rate by balance
Rate by balance for Share Certificate Accounts Balance APY Up to $10,000 3.35% $10,000 and upYour amount 3.55% Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: Lock in a fixed rate for the term of your certificate. A penalty will or may be imposed for early withdrawal.
Offer: Fixed Rate. A penalty will or may be imposed for early withdrawal.
3.50% interest rate · Effective Apr 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 - Water and Power Community Credit UnionSavings CertificatesCD · 60 months · $1,000 min
Credit union · 4 branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: WPCCU membership required. Minimum opening balance of $1,000. Compounded daily and paid quarterly. Can be used as collateral for consumer loans. Early withdrawal penalties apply. Fees could reduce earnings.
3.50% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - 3.55%APY$1,906 over 60 months on $10,000
Requirements
Product: A penalty may be imposed for withdrawals before maturity.
3.49% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.51%APY$471 over 16 months on $10,000
Requirements
Product: During the term, account owner may withdraw up to 50% of account balance once per calendar month without penalty. Withdrawals over 50% incur a penalty equivalent to 180 days' worth of dividends on the remaining amount. Early withdrawal penalty may apply. Available to personal and business members.
Offer: Standard rate tier. APY if dividends are not withdrawn during the term.
3.45% interest rate · Balance cap $99,999.99 · Effective Sep 16, 2026
Rate checked
More details - Kings Federal Credit Union24 Month CertificateCD · 24 months · $1,000 min · 3.51%–3.61% by balance
Credit union · 2 branches
3.51%APY$714 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
3.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 24 Month Certificate Balance APY $1,000 and up 3.51% $10,000 and upYour amount 3.51% $75,000 and up 3.61% Rate checked
More details - Kings Federal Credit Union36 Month CertificateCD · 36 months · $1,000 min · 3.51%–3.61% by balance
Credit union · 2 branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
3.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 36 Month Certificate Balance APY $1,000 and up 3.51% $10,000 and upYour amount 3.51% $75,000 and up 3.61% Rate checked
More details - 3.51%APY$713 over 24 months on $10,000
Requirements
Product: Dividends are compounded and credited quarterly for terms of 1 year or longer, and compounded and credited monthly for 6-month terms. Early withdrawal penalties may apply. Match or Beat Rate promotion available for terms from 6 to 60 months with $1,000 minimum in new funds up to $250,000.
Offer: Dividends compounded quarterly and credited quarterly.
3.45% interest rate · Compounded quarterly
Rate checked
More details - 3.50%APY$261 over 9 months on $10,000intro rate
Requirements
Product: Valid on new U.S. Bank CD Special accounts for clients who do not have any existing U.S. Bank CD. Advertised APYs are not valid for clients with any U.S. Bank CD accounts closed within the past 60 days. Minimum opening deposit $1,000 for a single CD, maximum $250,000. CD automatically renews for the same term. Rate upon renewal is determined based on published rate for CD excluding CD Specials. Early withdrawal penalty applies. Online application not valid for single maturity CDs, business or retirement CDs, brokerage deposits, institutional investors, public funds or in conjunction with other promotional offers.
Promotional rate · 3.44% interest rate · Effective Oct 23, 2026
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000
Requirements
Product: Rates are locked for the term of the term share. $500 minimum balance required.
Offer: Dividends compounded daily, credited quarterly.
3.44% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Membership required. Dividends compounded and credited quarterly. Automatically renews at maturity for the same or closest available term and dividend rate/APY in effect at renewal, unless changed during 7-day grace period. Early withdrawal penalty: terms 6 months through 1 year subject to 90 days' dividends; terms greater than 1 year subject to 180 days' dividends. Original terms 24 months or longer are eligible for a one-time rate increase during the original term if certificate rates increase.
Offer: Minimum balance to open and earn advertised APY is $1,000.
3.46% interest rate · Effective Oct 23, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 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 California
2,323 CDs at 262 banks and credit unions · checked Oct 16–24
- Typical
- 3.15%
- Top 10% from
- 4.00%
- Banks, typical
- 2.43%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Star One Credit UnionCredit union · 6 branches
- F&A Credit UnionCredit union · 2 branches