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 76–90 results in California
- 4.10%APY$445 over 13 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 · 4.01% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: Dividends compound quarterly. Federally insured up to $250,000 by NCUA. Once opened, additional deposits are not permitted until maturity. Early withdrawal subject to penalty. Renews automatically with a 10-day grace period.
Offer: Promotional rate; tier for balance $500
Promotional rate · Effective Sep 14, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 54 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - SchoolsFirst FCUShare CertificateCD · 60 months · $500 min · 4.10%–4.30% by balance
Credit union · 74 branches
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
4.02% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and upYour amount 4.10% $20,000 and up 4.15% $50,000 and up 4.20% $100,000 and upJumbo tier. 4.25% $250,000 and upJumbo tier. 4.30% Rate checked
More details - POLAM Federal Credit UnionSavings CertificateCD · 60 months · $2,500 min · 4.10%–4.40% by balance
Credit union · 2 branches
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: Lock funds for terms ranging from 6 months to 5 years. Minimum to open is $2,500 ($500 for members under 18 years of age). Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
Offer: Assumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
4.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Certificate Balance APY $2,500 and upYour amount 4.10% $25,000 and up 4.20% $50,000 and up 4.30% $100,000 and up 4.40% Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 3 branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
Rate checked
More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 3 branches
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
Rate checked
More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Offer: 180 Days CD
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: Limited time offer, expires 12.31.26. Minimum opening balance and balance to earn advertised APY is $1,000.00. 50% new money required: minimum of 50% of deposited funds must consist of new money deposited within 30 days preceding opening from an external source. Additional deposits allowed within first 7 days of account opening. Withdrawals must be at least $1,000.00 each. Early withdrawal penalty may apply. Must be eligible for membership and maintain at least $5.00 in Membership Savings account.
Offer: Limited time offer expires 12.31.26. Minimum 50% new money required deposited within 30 days preceding opening from external source. Additional deposits allowed within first 7 days of opening. Withdrawals must be at least $1,000.00 each. Early withdrawal penalty may apply.
Promotional rate · 3.98% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Offer: Minimum opening balance $2,500. Penalty on earnings for early withdrawal.
Promotional rate · 3.98% interest rate · Effective Oct 9, 2026
Rate checked
More details - Aerospace Federal Credit UnionShare Certificate AccountCD · 12 months · $10,000 min
Credit union · 1 branch
4.05%APY$405 over 1 year on $10,000intro rateRequirements
Product: Dividends post monthly and at maturity. Funds from an existing AFCU account (share or loan) or an external account can be used to fund the account (except for 9-month certificate which requires new money). Early withdrawal penalties apply.
Promotional rate · 3.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.05%APY$2,196 over 60 months on $10,000intro rate
Requirements
Product: Membership is required with a one-time non-refundable $5 fee. Early withdrawal penalties apply. Rates are for consumer accounts only and not available for institutional certificates.
Offer: Penalty may apply for early withdrawal. Limited time offer.
Promotional rate · 3.97% interest rate · Effective Oct 13, 2026
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 - First U.S. Community Credit UnionShare CertificateCD · 3–12 months · $500 min
Credit union · 6 branches
4.00%APYintro rateRequirements
Product: Federally insured by NCUA up to $250,000. Penalty for early withdrawal; withdrawals will reduce earnings.
Offer: Certificate Special: 3, 6, 9 or 12 Month Special. Fixed rate. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates.
Promotional rate · 3.93% interest rate · Effective Oct 16, 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
2,320 CDs at 260 banks and credit unions · checked Oct 16–22
- Typical
- 3.15%
- Top 10% from
- 4.00%
- Banks, typical
- 2.46%
- 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
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches