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 166–180 results in California
- 3.82%APY$1,191 over 36 months on $10,000
Requirements
Product: Compounded quarterly and subject to change every month. Early withdrawal penalty applies. Dividends paid from current income and available earnings; fees and other conditions could reduce earnings.
Offer: Dividends compounded quarterly.
3.75% interest rate · Compounded quarterly · Effective Jun 1, 2026
Rate checked
More details - 3.82%APY$189 over 6 months on $10,000
3.75% interest rate · Effective Feb 5, 2026
Rate checked
More details - Community Commerce BankCertificate of DepositCD · 18 months · $10,000 min · 3.82%–4.07% by balance
Bank · 4 branches
3.82%APY$578 over 18 months on $10,000Requirements
Product: Rate fixed for entire term. Substantial penalty for early withdrawal. APY accurate as of 10/16/2026.
Offer: Balance $10,000.00 to $99,999.99.
3.75% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $10,000 – $100,000Your amount 3.82% $100,000 and up 4.07% Rate checked
More details - Bay Federal Credit UnionCertificatesCD · 60 months · $1,000 min · 3.82%–3.92% by balance
Credit union · 8 branches
3.82%APY$2,062 over 60 months on $10,000Requirements
Product: Dividends are paid for the length of the term listed. A substantial penalty may be imposed for early withdrawal.
3.75% interest rate · Effective Jan 2, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $99,999Your amount 3.82% $100,000 and up 3.92% Rate checked
More details - 3.81%APY$381 over 1 year on $10,000
3.75% interest rate · Effective Nov 1, 2025
Rate checked
More details - America First Credit UnionFlexible Certificate AccountsCD · 12 months · $500 min
Credit union · 1 branch
3.80%APY$380 over 1 year on $10,000Requirements
Product: Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.
Offer: One penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly.
3.74% interest rate · Balance cap $100,000 · Effective Oct 21, 2026
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Membership eligibility required (live, work, or worship in Stanislaus or Merced county, CA). Paid with compound interest. Early closure penalty is 90 days interest. Fixed for the term purchased. Dividends based on average daily balance and posted monthly for non-IRA Certificate Accounts.
3.73% interest rate · Balance cap $999,999,999.99 · Effective Oct 1, 2026
Rate checked
More details - Lassen Credit UnionLimited Time Certificate SpecialCD · 13 months · $10,000 min
Credit union · 1 branch
3.80%APY$412 over 13 months on $10,000intro rateRequirements
Product: This is a limited time Share Certificate offer. Dividend rate and APR may change at any time. APY is based on an assumption that dividends will remain in the account until maturity; early withdrawal penalties may apply.
Offer: Limited time offer.
Promotional rate · 3.74% interest rate · Effective Oct 8, 2026
Rate checked
More details - Provident Credit UnionVariable Rate Add-On CertificateCD · 24 months · $500 min · 3.80%–3.90% by balance
Credit union · 22 branches
3.80%APY$774 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. Variable rates are subject to change anytime at the discretion of the Board of Directors. Dividend declaration date is the last day of the dividend period. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term.
Offer: Variable rate. Can add deposits of any amount anytime up to $1,000,000.
3.74% interest rate
Rate by balance
Rate by balance for Variable Rate Add-On Certificate Balance APY $500 and upYour amount 3.80% $50,000 and up 3.85% $100,000 and up 3.90% Rate checked
More details - Provident Credit UnionBump-Up CertificatesCD · 24 months · $1,000 min · 3.80%–3.90% by balance
Credit union · 22 branches
3.80%APY$774 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. Rate can be increased one time during certificate term to the current Bump-Up Certificate rate with that same term. Early withdrawal penalties apply.
Offer: One bump-up allowed during term to current rate.
3.74% interest rate
Rate by balance
Rate by balance for Bump-Up Certificates Balance APY $1,000 and upYour amount 3.80% $50,000 and up 3.85% $100,000 and up 3.90% Rate checked
More details - 3.77%APY$2,033 over 60 months on $10,000
Requirements
Product: Membership required ($5.00 min deposit in Share Savings Account). A penalty will or may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity.
3.70% interest rate · Effective Oct 6, 2026
Rate checked
More details - Noble Credit UnionShare CertificateCD · 12–24 months · $500 min · 3.71%–4.13% by balance
Credit union · 8 branches
3.76%APYRequirements
Product: Rates subject to change without notice. Minimum deposit requirements apply and may vary by certificate tier. Penalty may be imposed for early withdrawal. Membership eligibility required. Federally insured by NCUA.
3.65% interest rate · Effective Sep 3, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 3.71% $10,000 and upYour amount 3.76% $50,000 and up 3.76% $100,000 and up 3.82% $250,000 and up 4.13% Rate checked
More details - Kings Federal Credit Union12 Month CertificateCD · 12 months · $1,000 min · 3.76%–3.87% by balance
Credit union · 2 branches
3.76%APY$376 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 12 Month Certificate Balance APY $1,000 and up 3.76% $10,000 and upYour amount 3.76% $75,000 and up 3.87% Rate checked
More details - Kings Federal Credit Union18 Month CertificateCD · 18 months · $1,000 min · 3.76%–3.87% by balance
Credit union · 2 branches
3.76%APY$569 over 18 months on $10,000Requirements
Product: Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 18 Month Certificate Balance APY $1,000 and up 3.76% $10,000 and upYour amount 3.76% $75,000 and up 3.87% Rate checked
More details - 3.75%APY$92 over 3 months on $10,000intro rate
Requirements
Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.
Offer: Offer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.
Promotional rate · 3.68% interest rate · Balance cap $99,999 · Effective Oct 5, 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