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 241–255 results in California
- 3.55%APY$1,906 over 60 months on $10,000
Requirements
Product: A penalty may be imposed for withdrawals before maturity.
3.49% interest rate · Effective Oct 16, 2026
Rate checked
More details - Water and Power Community Credit UnionSavings CertificatesCD · 60 months · $1,000 min
Credit union · 4 branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. Subject to early withdrawal penalties. Can be used as collateral for consumer loans. Sunrise Circuit club members (retirees with qualifying direct deposit and $5,000+ in combined deposits) receive an additional 0.30% APY on terms of 2 years or longer.
3.50% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - 3.51%APY$471 over 16 months on $10,000
Requirements
Product: During the term, account owner may withdraw up to 50% of account balance once per calendar month without penalty. Withdrawals over 50% incur a penalty equivalent to 180 days' worth of dividends on the remaining amount. Early withdrawal penalty may apply. Available to personal and business members.
Offer: Standard rate tier. APY if dividends are not withdrawn during the term.
3.45% interest rate · Balance cap $99,999.99 · Effective Sep 16, 2026
Rate checked
More details - Kings Federal Credit Union24 Month CertificateCD · 24 months · $1,000 min · 3.51%–3.61% by balance
Credit union · 2 branches
3.51%APY$714 over 24 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.
3.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 24 Month Certificate Balance APY $1,000 and up 3.51% $10,000 and upYour amount 3.51% $75,000 and up 3.61% Rate checked
More details - Kings Federal Credit Union36 Month CertificateCD · 36 months · $1,000 min · 3.51%–3.61% by balance
Credit union · 2 branches
3.51%APY$1,090 over 36 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.
3.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 36 Month Certificate Balance APY $1,000 and up 3.51% $10,000 and upYour amount 3.51% $75,000 and up 3.61% Rate checked
More details - 3.51%APY$713 over 24 months on $10,000
Requirements
Product: Dividends are compounded and credited quarterly for terms of 1 year or longer, and compounded and credited monthly for 6-month terms. Early withdrawal penalties may apply. Match or Beat Rate promotion available for terms from 6 to 60 months with $1,000 minimum in new funds up to $250,000.
Offer: Dividends compounded quarterly and credited quarterly.
3.45% interest rate · Compounded quarterly
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000
Requirements
Product: Rates are locked for the term of the term share. $500 minimum balance required.
Offer: Dividends compounded daily, credited quarterly.
3.44% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - ILWU Credit UnionCertificatesCD · 6 months · $1,000 min · 3.50%–3.80% by balance
Credit union · 5 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Tiered balance ranges from $1,000 up to $100,000. Dividends paid quarterly or at maturity into the account of choice (or monthly and at maturity per rate table). Early withdrawal penalties may apply.
Offer: Tier 1
3.45% interest rate · Effective Jun 17, 2024
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $25,000Your amount 3.50% $25,000 – $50,000Tier 2 3.60% $50,000 – $100,000Tier 3 3.70% $100,000 and upTier 4 3.80% Rate checked
More details - Sheet Metal Workers Local 104 Federal Credit UnionPromotional Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000intro rateRequirements
Product: Limited time offer.
Offer: Limited time promotional rate.
Promotional rate · 3.44% interest rate
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Membership required. Dividends compounded and credited quarterly. Automatically renews at maturity for the same or closest available term and dividend rate/APY in effect at renewal, unless changed during 7-day grace period. Early withdrawal penalty: terms 6 months through 1 year subject to 90 days' dividends; terms greater than 1 year subject to 180 days' dividends. Original terms 24 months or longer are eligible for a one-time rate increase during the original term if certificate rates increase.
Offer: Minimum balance to open and earn advertised APY is $1,000.
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Must meet membership and account criteria. Early withdrawal penalties apply. Certificates generally renew to a like term at the dividend rate in effect at renewal.
Offer: Original term of less than one year early withdrawal penalty is 90 days of dividends.
3.45% interest rate · Effective Sep 1, 2026
Rate checked
More details - EverTrust BankCertificates of Deposit (TCD)CD · 9 months · $3,000 min · 3.50%–3.80% by balance
Bank · 8 branches
3.50%APY$261 over 9 months on $10,000Requirements
Product: Account eligible for individuals. Pays fixed rate. Automatic renewal. Early withdrawal penalty applies if CD is closed before maturity. Fees may reduce principal and interest.
Offer: Annual Percentage Yield (APY) assumes interest remains on deposit for the term of the account.
3.48% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (TCD) Balance APY $3,000 – $20,000Your amount 3.50% $20,000 – $80,000 3.65% $80,000 and up 3.80% Rate checked
More details - 3.50%APY$261 over 9 months on $10,000
Requirements
Product: Fixed-rate, fixed-term Share Certificates with terms ranging from 30 days to 2 years.
Offer: Limited-time offer starting 09/15/2026. Limit of one promotional share certificate per member. Early withdrawal penalties apply.
Balance cap $20,000,000 · Effective Sep 15, 2026
Rate checked
More details - Southland Credit UnionPick Your Term Promotional CertificateCD · 9 months · $1,000 min
Credit union · 10 branches
3.50%APY$261 over 9 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Yields are based on certificates held to maturity. Dividends are paid monthly.
Offer: Limited Time Only. Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity.
Promotional rate · 3.45% interest rate · Effective Apr 27, 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%
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