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 151–165 results in California
- SESLOC Credit UnionTraditional Share CertificateCD · 24 months · $1,000 min · 3.92%–4.07% by balance
Credit union · 6 branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Dividends compound monthly. Early withdrawal penalties apply. Partial early withdrawal reducing principal below tier minimum results in account closure. Minimum opening deposit $1,000.
Offer: Special rate fixed for term at account funding.
3.85% interest rate · Effective Jul 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificate Balance APY $1,000 – $50,000Your amount 3.92% $50,000 – $100,000 3.97% $100,000 – $200,000 4.02% $200,000 and up 4.07% Rate checked
More details - 3.91%APY$391 over 1 year on $10,000
Requirements
Offer: Annual Percentage Yield is based on a quarterly compounding and assumes interest will remain on deposit until maturity.
3.85% interest rate · Effective Jan 15, 2025
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000with conditions
Requirements
Product: Logix membership required. Rates based on Relationship Rewards tier (Base, Silver, Gold, Platinum). 91-Day to 60-Month terms. $1,000 minimum opening deposit. Dividends earned daily, compounded monthly. Early withdrawal penalty applies.
Offer: Platinum Tier APY. 12-Month term.
Qualified rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - POPA Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min · 3.85%–4.05% by balance
Credit union · 4 branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Minimum opening deposit of $1,000.00. Early withdrawal penalties may apply.
Offer: Early withdrawals are subject to penalties.
3.78% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $10,000 3.85% $10,000 – $50,000Your amount 3.90% $50,000 – $90,000 3.95% $90,000 – $200,000 4.00% $200,000 and up 4.05% Rate checked
More details - Honda Federal Credit UnionFlex Savings CertificateCD · 20 months · $10,000 min
Credit union · 2 branches
3.90%APY$658 over 20 months on $10,000intro rateRequirements
Product: Penalty will be imposed for early withdrawal from term share accounts. Flex features: Penalty-free deposits and withdrawals allowed during a 10-day window at month 5 or 10 depending on the Flex CD you have (amount must stay at or above minimum); automatic rate increase at 5 or 10 month mark if rates for Flex Certificates increase; optional automatic renewal.
Offer: Limited Time Offer. Flex Premier tier. Early withdrawal penalty applies. Add/withdraw penalty-free at 10-day window.
Promotional rate · 3.82% interest rate · Effective Oct 12, 2026
Rate checked
More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 10 branches
3.90%APY$795 over 24 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 and up 4.00% Rate checked
More details - Provident Credit UnionFixed Rate CertificateCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 22 branches
3.90%APY$795 over 24 months on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Early withdrawal penalties apply.
3.83% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate Balance APY $1,000 and upYour amount 3.90% $50,000 and up 3.95% $100,000 and up 4.00% Rate checked
More details - Rogue Credit UnionTreasure Valley Bump Rate CertificateCD · 30 months · $500 min
Credit union · 3 branches
3.90%APY$1,004 over 30 months on $10,000Requirements
Product: Treasure Valley Bump Rate Certificate. Rate Increase Option allows increasing interest rate and APY one time during term if rates increase. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
Offer: Allows one rate increase during term if applicable interest rates increase.
3.83% interest rate · Effective Oct 22, 2026
Rate checked
More details - LBS FinancialShare CertificatesCD · 48 months · $2,500 min · 3.90%–4.05% by balance
Credit union · 7 branches
3.90%APY$1,654 over 48 months on $10,000Requirements
Product: Share Certificate terms between 3 and 60 months. Dividends begin accruing on date of deposit, calculated using Average Daily Balance method, compounded and credited monthly and at maturity. Early withdrawal penalties apply (30 days dividends for <=3 months, 90 days for >3 months to <1 year, 180 days for >=1 year). Auto-renews at maturity with 7-day grace period. Membership with $5 Share Savings account required.
Offer: Bronze tier. Minimum deposit and balance of $2,500. No additional deposits permitted.
3.83% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 and upYour amount 3.90% $20,000 and upSilver tier. 3.95% $50,000 and upGold tier. 4.00% $90,000 and upJumbo tier. 4.05% Rate checked
More details - SAG-AFTRA Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.80%–4.00% by balance
Credit union · 3 branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Start with $1,000. Dividends earned daily, compounded and paid monthly on the last day of the month. Early withdrawal penalties apply.
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.80% $10,000 and upYour amount 3.90% $25,000 and up 3.95% $50,000 and up 4.00% Rate checked
More details - SAG-AFTRA Federal Credit UnionCoogan Share Certificate AccountsCD · 60 months · $1,000 min · 3.80%–4.00% by balance
Credit union · 3 branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Information disclosed for Share Certificate Accounts also applies to Coogan Share Certificate Accounts.
Rate by balance
Rate by balance for Coogan Share Certificate Accounts Balance APY $1,000 and up 3.80% $10,000 and upYour amount 3.90% $25,000 and up 3.95% $50,000 and up 4.00% Rate checked
More details - Tulare County Federal Credit UnionShare CertificateCD · 9 months · $1,000 min
Credit union · 5 branches
3.87%APY$289 over 9 months on $10,000Requirements
Product: Must maintain a balance equal to the minimum balance required to open to obtain disclosed APY and keep account open. Early withdrawal penalties apply (90 days' dividends for terms <= 12 months, 180 days' dividends for terms > 12 months). Once established, no further deposits prior to maturity date. No monthly maintenance fees.
Offer: Fixed rate. Compounded and credited monthly. Minimum to earn dividend is $1,000.
3.80% interest rate · Effective Apr 1, 2026
Rate checked
More details - State Bank of India (California)Certificate of Deposit (CD)CD · 3–6 months · $1,000 min
Bank · 8 branches
3.85%APYRequirements
Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.
Offer: Term is more than 3 months to 6 months (also listed as Up to 6 Months on personal CD page).
3.80% interest rate · Effective Feb 26, 2026
Rate checked
More details - 3.85%APY$191 over 6 months on $10,000
Requirements
Product: Automatic deposits until preset goal is reached, then balance is transferred to a special 6-month Certificate.
Offer: Basic tier for $500 or $1,000 preset goal.
3.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$320 over 10 months on $10,000with conditions
Requirements
Product: Requires membership at Downey Federal Credit Union. No monthly service charge. Unlimited deposits in increments of $1,000 or more. Allows a one-time penalty-free withdrawal of up to 50% of the balance after seven calendar days.
Offer: Available with an open Shield Elite Checking Account and membership in good standing. New money requirement waived for active Shield Elite Checking Account holders.
Qualified rate · 3.79% interest rate · Effective Sep 25, 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 16–23
- 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