Best CD rates in California

Requirements

Product: Promotional certificate. Additional deposits allowed. Same published rate on both balance columns. Home page markets 4% APY with 3.93% as the companion rate. Promotional footnote also states maximum deposit $100,000 and relationship-style minimums that the product pages attach more clearly to the Relationship Certificate.

Offer: Promotional 20-month certificate. Additional deposits allowed. Marked BEST APY on the Term Certificates page.

Requirements

Product: Open a certificate with as little as $500. Early withdrawal penalties apply.

Offer: Early withdrawal penalty applies.

Requirements

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.

Requirements

Product: Dividends compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. Penalty may be charged for early withdrawal. Allows penalty-free withdrawal of interest at any time. Add-ons limited to $10,000 through duration of certificate if certificate has add-on feature.

Offer: One-time bump feature: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate.

Requirements

Product: Rates as of 10/7/2026 in header; disclosure states accurate as of 08/04/2026. Minimum opening deposit and balance to obtain APY is $500.00. Additional bonus dividends available for Signature and Platinum Signature members.

Offer: Platinum Signature Member tier; 60 months.

Requirements

Product: Terms from 3 to 60 months. Dividends paid monthly and may be added to certificate or paid out to another Vida account. Upon maturity, 7 calendar day grace period to renew, change terms/balance, or withdraw without penalty; otherwise auto-renews at prevailing rate. Early withdrawal penalties apply. $0 monthly fee.

Offer: Early withdrawal penalty 180 days of dividends. Dividend rate 3.92%.

Requirements

Product: Membership eligibility required: Residents and/or those employed in the City of Burbank, spouses, family members, household members of an existing member, or members of ChangeWorks! Foundation ($25 donation).

Requirements

Product: Dividends are compounded and paid monthly. 10-day grace period at maturity; automatically renews into the same certificate term. Early withdrawal penalties apply. Youth certificates allow unlimited deposits.

Requirements

Product: Membership eligibility required. Early withdrawal subject to substantial penalty. Extra Direct Deposit (DDEP) bonus of 0.25% available for regular terms 36 months and longer with $1,000+ monthly direct deposit into FIGFCU Checking.

Offer: Requires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account.

Requirements

Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.

Requirements

Product: CAHP Credit Union membership required. $2,000 minimum deposit required to open and maintain certificate account. Substantial penalty for early withdrawal. APY assumes dividends are reinvested and remain in the account for the duration of the term. Rates subject to change without notice.

Offer: CAHP Credit Union membership required. $2,000 minimum deposit required to open and maintain certificate account.

Requirements

Product: Substantial penalty for early withdrawal before maturity date. Loyal customer rate bonus: an extra 0.10% over the rate shown is paid on all fixed rate certificate accounts renewing (not new accounts) that have been open for a consecutive period of one year or longer. Customer receives interest rate shown if interest is withdrawn monthly or transferred; APY earned if funds remain on deposit to maturity with no interest withdrawn.

Requirements

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.

Requirements

Product: Term Share Certificates (certificates of deposit). Early withdrawal penalty. Certificate rates are contracted at opening and upon renewal; compounded and paid monthly. Options to increase the dividend based on balance and relationship. Rates and terms subject to change without notice.

Offer: Dividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty.