Best CD rates in California

Requirements

Product: Available for consumer and business accounts. Rates and APYs are fixed for the initial term and depend on the balance tier and maturity term selected. Simple interest is earned for terms of 365 days or less (366 days in a leap year); interest compounds annually for terms longer than 365 days unless paid out. Early withdrawal penalties apply.

Offer: Term: 365 Days - 395 Days. Must maintain minimum opening balance daily to earn stated APY.

Requirements

Product: Membership required. Minimum opening deposit starts at $500. Dividends paid quarterly and remain on deposit until maturity. Penalty may be imposed for early withdrawal.

Requirements

Product: $1,000 minimum opening deposit. New money must be deposited to obtain promotional rate (funds not currently on deposit with Valley Strong Credit Union). After initial 13-month term, funds will automatically renew into a traditional 12 month certificate. Penalties may be assessed for early withdrawal. Fees may reduce earnings. Not valid for IRA accounts. Valley Strong Membership is required. Offer may be withdrawn at any time.

Offer: The 13-month certificate offer is effective starting 10/01/26. 3.75% APY is based on a dividend rate of 3.687%. $1,000 minimum opening deposit of new money required. Automatically renews into a 12-month traditional certificate. Not valid for IRA accounts. Early withdrawal penalties may apply. Valley Strong Membership required.

Requirements

Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.

Requirements

Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.

Requirements

Product: Fixed rate. Interest is compounded and credited monthly.

Offer: Early withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more.

Requirements

Product: Renews as a 24-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.

Offer: Renews as a 24-month certificate. No maximum deposit.

Requirements

Product: Dividends compounded and credited monthly and at maturity. Fixed rates. Premature withdrawal penalties apply (6-month term: 90 days' dividends; 1-year and 2-year terms: 180 days' dividends). Automatic renewal with a 10-calendar-day grace period. Additional deposits not allowed. Minimum withdrawal amount $1,000.

Offer: Fixed rate for 2-year term; early withdrawal penalty is 180 days' dividends

Requirements

Product: Dividends paid quarterly on the last day of each quarter. Early withdrawal penalties apply (for qualifying period of one year or less, forfeit 90 days dividends on amount withdrawn; for more than one year, forfeit 180 days dividends).

Offer: Dividends paid quarterly.

Requirements

Product: Fixed rate dividend. Minimum opening balance and minimum balance to earn dividends is $1,000.

Offer: Fixed rate. Minimum to earn dividend is $1,000.

Requirements

Product: Dividends are paid quarterly. Liquid Certificate is available for 6-month term. Unlimited deposits and 2 penalty-free withdrawals May be subject to new money requirements.

Offer: Dividends paid quarterly.

Requirements

Product: Logix membership required. Fixed rate for term. Dividends earned daily, compounded monthly. No monthly fees. Early withdrawal penalty applies. Auto-renews as a standard 6-Month Certificate at the rate in effect.

Offer: Base Rate APY across tiers. Min opening deposit and min balance to earn APY is $5,000.

Requirements

Product: Dividends compounded daily and paid quarterly. No fees. Penalty may apply for early withdrawal. Minimum opening deposit is $100.