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 256–270 results in California
- California Coast Credit UnionPick Your Term CertificateCD · 11 months · $10,000 min
Credit union · 26 branches
3.50%APY$320 over 11 months on $10,000intro rateRequirements
Product: Limited-time promotional certificate. Minimum opening and earning balance $10,000. Excludes IRAs. No additional deposits allowed. At maturity, automatically renews into a standard 12-Month Certificate at prevailing rate; credited dividends become part of principal. $5 one-time membership fee and savings account required for membership.
Offer: Limited-time promotional offer. Excludes IRAs. Automatically rolls into a 12-month certificate at maturity.
Promotional rate · 3.45% interest rate · Effective Jun 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 12-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 - Rogue Credit UnionCertificate Add On - Small SaversCD · 12 months · $100 min
Credit union · 3 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Special add-on certificate allows deposits at any time and for any dollar amount during the term. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.45% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.50%APY
Requirements
Product: Minimum $2,000 opening deposit. Dividends based on average daily balance and posted monthly. Fixed rates for the term purchased. Subject to early withdrawal penalties. Membership requires living, working, attending school, or worshipping in Burbank, or a $10 donation to the Burbank Arts & Education Foundation.
Offer: Minimum average daily balance required to earn dividends. Rate fixed for term.
3.44% interest rate
Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 8 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
3.44% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificates Balance APY Up to $100,000Your amount 3.50% $100,000 and upJumbo tier. 3.75% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed rates for the term. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Except for Save to Win, Pup, and Student certificates, additional deposits cannot be made after opening.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Must be a credit union member with a Valley First primary share account. Early withdrawal penalty may apply. Dividends compound monthly and are calculated using average daily balance method.
3.45% interest rate · Effective Sep 7, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Must be a credit union member with a Valley First primary share account. Early withdrawal penalty may apply. Dividends compound monthly and are calculated using average daily balance method.
3.45% interest rate · Effective Sep 7, 2026
Rate checked
More details - 3.50%APY$560 over 19 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - PremierOne Credit UnionRegular Share CertificatesCD · 24 months · $1,000 min
Credit union · 6 branches
3.50%APY$712 over 24 months on $10,000Requirements
Product: Membership requires maintaining at least 1 share ($5.00 par value). 10-day grace period after maturity. Dividends calculated by average daily balance method, credited and compounded monthly. Early withdrawal penalties apply. Partial withdrawals are not allowed.
3.44% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - FAST Credit UnionShare CertificateCD · 24 months · $500 min · 3.45%–3.50% by balance
Credit union · 3 branches
3.50%APY$712 over 24 months on $10,000Requirements
Product: Dividends paid monthly. APY based on minimum balance and other qualifications met. Fixed rate type, additional deposits not allowed, renewable automatically with 10 day grace period. Early withdrawal penalty may apply.
3.40% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 3.45% $2,500 and upYour amount 3.50% Rate checked
More details - CoastHills Credit UnionPromotional Share CertificateCD · 13 months · $500 min · 3.49%–3.65% by balance
Credit union · 11 branches
3.49%APY$379 over 13 months on $10,000intro rateRequirements
Product: Limited time promotional certificate rate. Minimum $500 opening deposit. Add-on feature available at any time, as long as total deposits do not exceed original opening deposit. Early withdrawals may be subject to penalties and reduce earnings. For terms of 12 months or more, dividend rate bump option allows one dividend adjustment to the dividend rate of a certificate of the same term. Promotional certificates earn promotional rate only during initial term; renews at maturity for same term at prevailing rate.
Promotional rate · 3.44% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Promotional Share Certificate Balance APY $500 – $50,000Your amount 3.49% $50,000 – $100,000Mini-Jumbo 3.55% $100,000 – $200,000Jumbo 3.60% $200,000 and upSuper-Jumbo 3.65% Rate checked
More details - 3.45%APY$171 over 6 months on $10,000intro rate
Requirements
Product: Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Dividends paid monthly. Penalties for early withdrawal may apply. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal.
Promotional rate · 3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.45%APY$171 over 6 months on $10,000
Requirements
Product: Minimum deposit of $100 required. APY assumes dividends remain in account until maturity. Early withdrawal penalties may apply.
Effective Oct 5, 2026
Rate checked
More details - TruGrocer Federal Credit UnionSmall Saver Share CertificateCD · 6 months · $500 min
Credit union · 1 branch
3.45%APY$171 over 6 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $500 with terms up to 60 months.
3.40% interest rate · Compounded monthly
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
2,320 CDs at 260 banks and credit unions · checked Oct 16–23
- Typical
- 3.15%
- Top 10% from
- 4.00%
- Banks, typical
- 2.46%
- Credit unions, typical
- 3.25%
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California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches