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 391–405 results in California
- Gain Federal Credit UnionLevel Up 12-Month CertificateCD · 12 months · $25 min · up to $10,000
Credit union · 2 branches
2.25%APY$225 over 1 year on $10,000Requirements
Product: You must maintain a minimum daily balance of $25 with a maximum of $10,000 in the account to obtain the Annual Percentage Yield and to avoid closure. You may make additional deposits of any amount at any time during the term of your certificate. You may take one (1) penalty-free withdrawal during the term of the certificate. Certificate accounts are subject to penalties for early withdrawal.
Offer: Must maintain a minimum daily balance of $25 with a maximum of $10,000 to obtain APY and avoid closure. Additional deposits of any amount allowed anytime. One penalty-free withdrawal permitted during term.
2.23% interest rate · Effective Jun 24, 2025
Rate checked
More details - CoastHills Credit UnionShare Certificate AccountCD · 84 months · $500 min · 2.02%–2.78% by balance
Credit union · 11 branches
2.02%APY$1,503 over 84 months on $10,000Requirements
Product: Minimum $500 opening deposit. No monthly fee. Add-on feature available at any time as long as total of deposits does not exceed original opening deposit. Early withdrawals may be subject to penalties (less than 1 year: forfeiture of up to 90 days dividends; 12 months or greater: up to 180 days; 60 months or greater: up to 365 days) and reduce earnings. For certificates with terms of 12 months or more, dividend rate bump option allows one dividend adjustment during the term to the dividend rate of a certificate of the same term.
2.00% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Share Certificate Account Balance APY $500 – $49,999Your amount 2.02% $50,000 and upMini-Jumbo 2.02% $100,000 and upJumbo 2.38% $200,000 and upSuper-Jumbo 2.78% Rate checked
More details - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: Must set up a minimum $25.00 deposit automatically transferred into certificate each month via ACH or other Credit Union initiated automatic transfer. Additional deposits allowed anytime.
Offer: Requires minimum $25.00 automatic monthly transfer via ACH or credit union initiated transfer.
1.98% interest rate · Effective May 8, 2023
Rate checked
More details - 2.00%APY$404 over 24 months on $10,000
2.00% interest rate
Rate checked
More details - 1.95%APY$195 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Minimum $500 opening deposit / balance to earn dividends. Early withdrawal penalties apply.
1.93% interest rate · Effective Apr 9, 2024
Rate checked
More details - ILWU Credit UnionFlexible CertificateCD · 24 months · $1,000 min · 1.90%–2.05% by balance
Credit union · 5 branches
1.90%APY$384 over 24 months on $10,000Requirements
Product: Not eligible for IRAs. Dividends paid monthly and at maturity.
1.89% interest rate · Effective Jun 17, 2024
Rate by balance
Rate by balance for Flexible Certificate Balance APY $1,000 – $25,000Your amount 1.90% $25,000 – $50,000 1.95% $50,000 – $100,000 2.00% $100,000 and up 2.05% Rate checked
More details - 1.90%APY$987 over 60 months on $10,000
Requirements
Product: Offers certificate accounts to Southern California members throughout Los Angeles County. Rates stated as APY. Fees and early withdrawal penalties may reduce earnings.
Effective Oct 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 761 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.71%APY$702 over 48 months on $10,000
1.70% interest rate · Effective Feb 1, 2023
Rate checked
More details - Vision One Credit UnionSavings CertificateCD · 36–47 months · $1,000 min · 1.70%–1.95% by balance
Credit union · 1 branch
1.70%APYRequirements
Product: A $1,000 minimum balance is required to earn APY, unless otherwise stated. Flexible Savings Certificate requires $500 minimum balance for APY; Bump-Up Savings Certificate requires $10,000 minimum balance for APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: 36 Month Savings Certificate (36-47 Month Term)
1.68% interest rate · Effective Mar 1, 2025
Rate by balance
Rate by balance for Savings Certificate Balance APY $1,000 – $24,999Your amount 1.70% $25,000 – $49,999 1.75% $50,000 – $89,999 1.80% $90,000 – $249,999 1.80% $250,000 – $349,999 1.90% $350,000 and up 1.95% Rate checked
More details - Sage Credit UnionTerm Share CertificateCD · 60 months · $1,000 min · 1.50%–2.00% by balance
Credit union · 1 branch
1.60%APY$826 over 60 months on $10,000Requirements
Product: $1,000 minimum opening balance. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Penalty may be imposed for early withdrawal. All deposited funds earn the rate for the tier. Withdrawals must be at least $1,000 for the 11 Month Certificate.
1.49% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 – $10,000 1.50% $10,000 – $25,000Your amount 1.60% $25,000 – $50,000 1.70% $50,000 – $100,000 1.80% $100,000 – $200,000 1.90% $200,000 and up 2.00% Rate checked
More details - 1.51%APY$460 over 36 months on $10,000
Requirements
Product: Fixed rate of return. Federally insured up to $250,000. 10-day grace period after maturity to make changes/withdrawals with no penalty. Early withdrawal penalties may apply. Rates are variable and may change after account is opened on the fee schedule.
Offer: Rates are variable and may change after the account is opened. Fees may reduce earnings.
1.50% interest rate · Effective Mar 1, 2026
Rate checked
More details - 1.50%APY$773 over 60 months on $10,000
Requirements
Product: Must live, work, or worship in Orange, Riverside, or San Bernardino County or in 14 qualified cities in Southern California. A one-time $5 membership fee applies for new members. Dividends compounded daily and credited monthly or at maturity. Early withdrawal penalty applies (equal to one-half of the term's dividends on amount withdrawn).
1.49% interest rate · Compounded daily · Effective Oct 6, 2026
Rate checked
More details - First City Credit UnionWealth Builder Term Certificate AccountCD · 9 months · $50 min · 1.30%–1.40% by balance
Credit union · 6 branches
1.40%APY$105 over 9 months on $10,000intro rateRequirements
Product: Membership required. Penalties will be imposed for early withdrawals. Minimum $50 opening deposit with payroll deduction earns 1.29% rate (1.30% APY); $500 opening deposit earns 1.39% rate (1.40% APY) effective as of 09/11/2025. Funds deposited must be new money. Automatic roll-over at maturity into a 9-month Wealth Builder Certificate.
Promotional rate · 1.29% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Wealth Builder Term Certificate Account Balance APY $50 and up 1.30% $500 and upYour amount$500 opening deposit. Effective as of 09/11/2025. 1.40% Rate checked
More details - Farmers & Merchants BankCertificates of Deposit (CDs)CD · 36 months · $1,000 min · 1.26%–2.78% by balance
Bank · 27 branches
1.26%APY$383 over 36 months on $10,000Requirements
Product: Interest is compounded and credited monthly and remains on deposit until maturity. Fixed rates. Early withdrawal penalty applies.
1.25% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $100,000Your amount 1.26% $100,000 – $500,000 2.27% $500,000 and up 2.78% 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 16–24
- 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
- F&A Credit UnionCredit union · 2 branches