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 331–345 results in California
- SkyOne Federal Credit Union11-Month Liquid Share CertificateCD · 11 months · $1,000 min
Credit union · 2 branches
3.10%APY$284 over 11 months on $10,000Requirements
Product: Limit one Liquid Share Certificate per member. Penalty and fee-free daily withdrawal starting on day 7 of up to 50% of start of daily balance as of 12:00 AM PT; withdrawals exceeding 50% subject to penalties. Additional deposits permitted anytime prior to maturity.
Offer: Minimum deposit to earn advertised APY is $1,000.
Effective Oct 23, 2026
Rate checked
More details - Universal City Studios Credit UnionShare CertificatesCD · 24 months · $500 min · 3.10%–3.20% by balance
Credit union · 2 branches
3.10%APY$630 over 24 months on $10,000Requirements
Product: Dividend Rates are established by the Board of Directors and are subject to periodic change based on current economic conditions and credit union earnings. Membership requires a $1 one-time membership fee and a $5 initial savings deposit.
Offer: Minimum to earn dividends is $500.
3.06% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.10% $50,000 and upMinimum to earn dividends is $50,000. 3.20% Rate checked
More details - 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
Rate checked
More details - Pacific Service Credit UnionCertificatesCD · 60 months · $1,000 min · 3.10%–3.20% by balance
Credit union · 6 branches
3.10%APY$1,649 over 60 months on $10,000Requirements
Product: Membership requires opening a primary savings account with a minimum balance of $5.00. $1,000 minimum required to open account and earn dividends; $100 for members age 23 and under. A penalty may be imposed for early withdrawals.
Offer: Balances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal.
3.06% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificates Balance APY Up to $50,000Your amount 3.10% $50,000 – $99,999 3.15% $100,000 and up 3.20% Rate checked
More details - 3.05%APY
Requirements
Product: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies.
Offer: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval.
3.00% interest rate
Rate by balance
Rate by balance for Personal CD Balance APY Up to $99,999Your amount 3.05% $100,000 and up 3.06% Rate checked
More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
Rate checked
More details - 3.05%APY
Requirements
Product: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.
3.00% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.05%APY$151 over 6 months on $10,000
Requirements
Product: Make additional deposits anytime, in amounts of $500 or more. Early withdrawal penalty may be imposed.
Offer: Choice of 6-month term. Make additional deposits anytime, in amounts of $500 or more. APY calculations based on balances of $10,000 and assumes dividends and principal remain on deposit for the entire term. Dividends are compounded and paid monthly.
3.01% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.05%APY$619 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Rates guaranteed fixed for length of term. Automatic interest earnings transfer capabilities and automatic CD renewal available.
Offer: Minimum average daily balance to avoid fees is $0. Term of 2 Years.
Effective Sep 1, 2026
Rate checked
More details - 3.05%APY$1,277 over 48 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 48-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 - Center City Community Credit UnionTerm Share CertificatesCD · 60 months · $500 min
Credit union · 1 branch
3.05%APY$1,621 over 60 months on $10,000Requirements
Product: Automatically renew at the current term certificate rate. Minimum required Term Certificate balance is $500. Certificate interest is paid on a quarterly basis. Penalty for early withdrawal. Dividends calculated via average daily balance method.
Offer: Automatically renews at current term certificate rate. Interest paid quarterly. Penalty for early withdrawal. APR is 3.01%.
3.01% interest rate
Rate checked
More details - 3.04%APY
Requirements
Product: Dividends compounded and credited monthly.
3.00% interest rate · Effective Aug 17, 2026
Rate checked
More details - 3.04%APY$304 over 1 year on $10,000intro rate
Requirements
Product: Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Dividends paid monthly. Penalties for early withdrawal may apply. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal.
Promotional rate · 3.00% interest rate · Effective Oct 18, 2026
Rate checked
More details - Befit Financial Federal Credit UnionTerm Share CertificatesCD · 12 months · $2,000 min
Credit union · 1 branch
3.04%APY$304 over 1 year on $10,000Requirements
Product: $2,000 minimum balance to open and maintain any Share Certificate. Dividends calculated on the actual share certificate balance from date of issuance to maturity. No additional deposits allowed during the term. Penalties may apply for early withdrawals. At maturity, certificates renew automatically for the same term – members have a 7-day grace period to make changes without penalty.
3.00% interest rate · Effective Dec 1, 2025
Rate checked
More details - American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 3 branches
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
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