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 316–330 results in California
- 3.25%APY$661 over 24 months on $10,000
Requirements
Offer: 2 Year Certificate (24 months); Early Withdrawal 90 day Penalty
3.20% interest rate · Effective Sep 7, 2026
Rate checked
More details - United Catholics Federal CUTerm CertificatesCD · 36 months · $1,000 min · 3.25%–3.71% by balance
Credit union · 1 branch
3.25%APY$1,007 over 36 months on $10,000Requirements
Product: Rate of return tiered based on balance. Flexible terms up to 60 months. No monthly or yearly maintenance fees. Early withdrawal penalties may apply.
Offer: Fixed rate 36 months.
3.20% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Term Certificates Balance APY $1,000 and upYour amount 3.25% $25,000 and up 3.40% $50,000 and up 3.61% $100,000 and up 3.71% Rate checked
More details - Gain Federal Credit UnionShare CertificateCD · 60 months · $1,000 min · 3.25%–3.40% by balance
Credit union · 2 branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Membership with Gain FCU is required. Dividends are compounded and credited monthly. Early withdrawal penalties may apply and may reduce earnings and principal.
3.20% interest rate · Effective Dec 1, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.25% $25,000 and up 3.25% $50,000 and up 3.30% $100,000 and up 3.40% Rate checked
More details - East County Schools Federal Credit UnionCertificate (CD) SharesCD · 60 months · $1,000 min · 3.14%–3.30% by balance
Credit union · 1 branch
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Minimum investment is $1,000. Certificates automatically renew at maturity at a like term at the current rate. Early withdrawal penalty applies: up to 12 months is 90 days of dividends earned; over 12 months is 180 days of dividends earned.
Offer: Early withdrawal penalty: all dividends earned up to 180 days.
3.10% interest rate · Effective May 1, 2025
Rate by balance
Rate by balance for Certificate (CD) Shares Balance APY $1,000 and up 3.14% $10,000 and upYour amount 3.25% $50,000 and up 3.30% Rate checked
More details - 3.24%APY$161 over 6 months on $10,000
Requirements
Product: No fee to set up the certificate; early withdrawal penalty may apply if funds are taken out before maturity. Dividends compound monthly, may be transferred, or paid by monthly check.
3.19% interest rate
Rate checked
More details - 3.24%APY$379 over 14 months on $10,000
Requirements
Product: A penalty may be imposed for withdrawals before maturity from term accounts. Fees imposed on your account may affect the annual percentage yield.
3.19% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.21%APY$321 over 1 year on $10,000
Requirements
Offer: Dividends paid monthly
3.16% interest rate · Effective Apr 1, 2026
Rate checked
More details - Provident Credit UnionFixed Rate Add-On CertificateCD · 12 months · $250 min · 3.20%–3.40% by balance
Credit union · 22 branches
3.20%APY$320 over 1 year on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting your term. Deposits that bring the balance over $1,000,000 are at the discretion of management.
Offer: Can add deposits of any amount anytime up to $1,000,000.
3.15% interest rate
Rate by balance
Rate by balance for Fixed Rate Add-On Certificate Balance APY $250 and upYour amount 3.20% $50,000 and up 3.30% $100,000 and up 3.40% Rate checked
More details - 3.20%APY$347 over 13 months on $10,000
Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Minimum withdrawal $500, minimum balance $5,000. Withdrawals must be made in person at a branch or by calling (800) 632-4600. Withdrawals allowed without penalty every 7 calendar days, maximum of 3 withdrawals per month. No dividends paid on balances below balance minimum.
Offer: Minimum withdrawal $500. Withdrawals allowed without penalty every 7 calendar days, max 3 withdrawals/month. In-person or phone withdrawal required.
3.15% interest rate
Rate checked
More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - SAFE Credit UnionTerm CertificateCD · 60 months · $500 min · 3.20%–3.25% by balance
Credit union · 18 branches
3.20%APY$1,706 over 60 months on $10,000Requirements
Product: Dividends paid monthly. Early withdrawal penalties may apply. Automatically renews at maturity. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal. Certificates with a term not shown renew to the closest term not exceeding the existing term.
3.15% interest rate · Effective Oct 18, 2026
Rate by balance
Rate by balance for Term Certificate Balance APY $500 – $25,000Your amount 3.20% $25,000 and up 3.25% Rate checked
More details - Water and Power Community Credit UnionFlexible Savings CertificateCD · 6 months · $5,000 min
Credit union · 4 branches
3.15%APY$156 over 6 months on $10,000Requirements
Product: Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required.
Offer: Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required.
3.11% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - First Tech Federal Credit UnionBump Up Share CertificatesCD · 18 months · $500 min · 3.15%–3.40% by balance
Credit union · 8 branches
3.15%APY$476 over 18 months on $10,000Requirements
Product: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.
Offer: Add more money once per term.
3.10% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Up Share Certificates Balance APY Up to $100,000Your amount 3.15% $100,000 and upJumbo tier. 3.40% Rate checked
More details - Mission Fed Credit UnionStandard CertificatesCD · 6 months · $2,000 min · 3.05%–3.15% by balance
Credit union · 34 branches
3.10%APY$154 over 6 months on $10,000intro rateRequirements
Product: Must meet membership and account criteria. Certificate accounts with a specific term earn opening APY until end of term. APYs assume dividends remain on deposit until maturity. Penalties apply for early withdrawals.
Promotional rate
Rate by balance
Rate by balance for Standard Certificates Balance APY $2,000 and up 3.05% $10,000 and upYour amount 3.10% $100,000 and up 3.15% 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
2,323 CDs at 262 banks and credit unions · checked Oct 16–23
- Typical
- 3.15%
- Top 10% from
- 4.00%
- Banks, typical
- 2.43%
- Credit unions, typical
- 3.25%
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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
- Star One Credit UnionCredit union · 6 branches
- Skyla Credit UnionCredit union · 1 branch