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 301–315 results in California
- 3.25%APY$243 over 9 months on $10,000intro rate
Requirements
Product: Special only with New Money. For a limited time.
Offer: Only with New Money. For a limited time.
Promotional rate
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. Automatically renews at maturity.
Offer: Penalty for early withdrawal.
3.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: 12-month fixed rate certificate. Minimum opening balance and minimum balance requirement is $1,000. Allows unlimited deposits during the term and penalty-free withdrawals up to 50% of the daily available balance at start of day. Early withdrawal penalty applies to withdrawals exceeding 50% of daily available balance. Active Checking bump/rate increase is not applicable.
Offer: Fixed rate for 12 months; add-on deposits allowed; penalty-free withdrawals up to 50% of daily available balance; Active Checking bump not applicable.
3.20% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: 12-month fixed-rate certificate. Dividends calculated using daily balance method, compounded and credited monthly. Accountholders allowed one withdrawal with $25 penalty during term; second withdrawal incurs $25 penalty and account closure. Earns entries into savings promotion raffles for balance increases. Additional deposits allowed.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - CommonWealth Central Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 4 branches
3.25%APY$325 over 1 year on $10,000Requirements
Product: Available with a minimum deposit of $500. 12-month Certificates allow unlimited additional deposits throughout the term (minimum deposit amounts of $100). Early withdrawal penalty is 90 days of interest. Dividends are paid monthly based on simple daily interest.
Offer: Allows unlimited additional deposits anytime during the term (minimum of $100 for each extra deposit). Early withdrawal penalty is 90 days of interest.
3.20% interest rate
Rate checked
More details - San Diego County Credit UnionPromotional CertificateCD · 15 months · $2,000 min
Credit union · 39 branches
3.25%APY$408 over 15 months on $10,000intro rateRequirements
Product: Deposits by foundations (i.e., nonprofit organizations, charities, etc.) are not eligible. Not available for chartered financial institutions or accounts. Deposits using cryptocurrencies are not eligible. Institutional deposits are limited to $2 million per chartered retail financial institution (excluding digital assets) and only available to retail financial institutions with less than $1 billion in total assets as of March 31, 2026. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty applies.
Offer: Upon maturity, the 15-month certificate will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. Available online and in-branch. Early withdrawal penalty: 180 days' dividends.
Promotional rate · 3.20% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-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 - Noble Credit UnionThree Wishes Share CertificateCD · 24 months · $500 min · 3.20%–3.30% by balance
Credit union · 8 branches
3.25%APY$661 over 24 months on $10,000Requirements
Product: Minimum deposit of $500. Three wishes offer is for one time use during certificate term: 1. Rate increase may not exceed 1% of the original rate when the certificate was opened or renewed. 2. Adding funds/deposit into the certificate, maximum amount of $1 million, and 3. Penalty-free withdrawal from certificate that may not exceed 25% of the original principal when certificate was opened or renewed.
3.15% interest rate
Rate by balance
Rate by balance for Three Wishes Share Certificate Balance APY $500 and up 3.20% $10,000 and upYour amount 3.25% $50,000 and up 3.25% $100,000 and up 3.30% $250,000 and up 3.30% Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Offer: 2 Year Certificate (24 months); Early Withdrawal 90 day Penalty
3.20% interest rate · Effective Sep 7, 2026
Rate checked
More details - United Catholics Federal CUTerm CertificatesCD · 36 months · $1,000 min · 3.25%–3.71% by balance
Credit union · 1 branch
3.25%APY$1,007 over 36 months on $10,000Requirements
Product: Rate of return tiered based on balance. Flexible terms up to 60 months. No monthly or yearly maintenance fees. Early withdrawal penalties may apply.
Offer: Fixed rate 36 months.
3.20% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Term Certificates Balance APY $1,000 and upYour amount 3.25% $25,000 and up 3.40% $50,000 and up 3.61% $100,000 and up 3.71% Rate checked
More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: Terms 3 months–5 years. Dividends compounded and credited monthly; dividend period monthly. Early withdrawal penalties may apply. Rates subject to change daily. Federally insured up to $250,000 by NCUA in conjunction with other CEFCU accounts.
Offer: Minimum to open $1,000.
3.20% interest rate · Effective Sep 1, 2026
Rate checked
More details - Gain Federal Credit UnionShare CertificateCD · 60 months · $1,000 min · 3.25%–3.40% by balance
Credit union · 2 branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Membership with Gain FCU is required. Dividends are compounded and credited monthly. Early withdrawal penalties may apply and may reduce earnings and principal.
3.20% interest rate · Effective Dec 1, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.25% $25,000 and up 3.25% $50,000 and up 3.30% $100,000 and up 3.40% Rate checked
More details - East County Schools Federal Credit UnionCertificate (CD) SharesCD · 60 months · $1,000 min · 3.14%–3.30% by balance
Credit union · 1 branch
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Minimum investment is $1,000. Certificates automatically renew at maturity at a like term at the current rate. Early withdrawal penalty applies: up to 12 months is 90 days of dividends earned; over 12 months is 180 days of dividends earned.
Offer: Early withdrawal penalty: all dividends earned up to 180 days.
3.10% interest rate · Effective May 1, 2025
Rate by balance
Rate by balance for Certificate (CD) Shares Balance APY $1,000 and up 3.14% $10,000 and upYour amount 3.25% $50,000 and up 3.30% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.24%APY$161 over 6 months on $10,000
Requirements
Product: No fee to set up the certificate; early withdrawal penalty may apply if funds are taken out before maturity. Dividends compound monthly, may be transferred, or paid by monthly check.
3.19% interest rate
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