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 31–45 results in California
- 4.33%APY$433 over 1 year on $10,000intro rate
Requirements
Product: Minimum opening balance and minimum balance to earn dividends is $1,500. Fixed Certificates dividends are calculated daily and paid monthly. Variable Certificates dividends are calculated and compounded daily, posted monthly. Substantial early withdrawal penalties apply to Share Certificates. Fees may reduce earnings.
Offer: The Variable Rate 12-Month Share Certificate is a variable rate account that is tied to the Treasury Bill 6-month auction average rate, rounded down to the nearest quarter percent and adjusted quarterly. Rates subject to change after account is opened. Dividends paid monthly. Dividends are calculated and compounded daily, posted monthly.
Promotional rate · 4.25% interest rate · Compounded daily
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More details - 4.33%APY$2,361 over 60 months on $10,000
Requirements
Product: Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned. No monthly service fee.
Offer: Term 60 months (7700).
4.25% interest rate · Effective Oct 14, 2026
Rate checked
More details - Golden 1 Credit Union9-Month New Money Term Savings CertificateCD · 9 months · $500 min
Credit union · 63 branches
4.30%APY$321 over 9 months on $10,000intro rateRequirements
Product: This special 9-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. The APY is based on an assumption that principal and dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal.
Offer: Can only be opened in-branch or by phone and funded with new money.
Promotional rate · 4.22% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
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More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
Rate checked
More details - Los Angeles Federal Credit UnionShare CertificatesCD · 16 months · $1,000 min
Credit union · 8 branches
4.30%APY$577 over 16 months on $10,000with conditionsRequirements
Product: Flexible terms from 3 to 60 months. Minimum opening deposit is $1,000 for Regular, $100,000 for Jumbo, and $100 for Starter (age 24 or under). Senior / Senior Jumbo certificates available for members age 60+. APY is based on Relationship Rewards status or Jumbo/Senior qualification. After opening, additional deposits allowed if total deposits do not exceed opening deposit; Starter certificates allow additional deposits of $50+ until balance reaches $10,000.
Offer: Share Certificate Limited Offer: 16-Month Term, Dividend 4.211%.
Qualified rate · 4.21% interest rate · Effective Oct 5, 2026
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More details - 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Minimum initial deposit $500. Dividends compound monthly. Penalty for early withdrawal. Automatically renews at maturity at the nearest available standard term and dividend rate, not to exceed the term of the Certificate Special.
Offer: 18 months (548 days). Dividends compound monthly. Penalty for early withdrawal.
Promotional rate · 4.22% interest rate · Effective Sep 28, 2026
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More details - 4.30%APY$689 over 19 months on $10,000intro rate
Requirements
Product: Available for a limited time. Promotional rate good for initial term only. At maturity, account automatically renews into a standard term certificate for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
Offer: 19-Month Promotional Share Certificate.
Promotional rate · 4.21% interest rate · Effective Oct 16, 2026
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More details - 4.25%APY$105 over 3 months on $10,000
Requirements
Offer: APY accurate as of September 24, 2026. Rate may change after account is opened. Minimum balance requirement must be maintained in the account each day to obtain the disclosed APY. Grace period of seven calendar days after maturity to withdraw funds without penalty. Early withdrawal penalty equals 3.00% of the principal amount withdrawn early.
4.16% interest rate · Effective Sep 24, 2026
Rate checked
More details - Mission City Federal Credit UnionFall Certificate SpecialCD · 5 months · $2,500 min
Credit union · 1 branch
4.25%APY$175 over 5 months on $10,000intro rateRequirements
Product: Early withdrawals on Share Certificates with terms of 12-months or less will incur a penalty of 90 days of dividends. The account will automatically renew at maturity into a 12-month term share certificate. Membership in Mission City FCU is required with a minimum $10 deposit into a savings account.
Offer: Special rate applies to new money only (money not currently on deposit with Mission City FCU). Promotion period September 7 - October 7, 2026. $50,000 maximum deposit, $2,500 minimum deposit.
Promotional rate · Balance cap $50,000
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More details - 4.25%APY$210 over 6 months on $10,000intro rate
Requirements
Product: Promotional specials available for a limited time.
Promotional rate · 4.17% interest rate · Effective Aug 17, 2026
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More details - 4.25%APY$246 over 7 months on $10,000with conditions
Requirements
Product: Dividends paid monthly. $1,000 minimum opening deposit and $1,000 minimum required to earn dividends. Certificate rates are fixed for the stated term (except variable-rate certificates) and are subject to penalties for early withdrawals.
Offer: 7-Month Special Certificate. Fixed rate type. Requires qualifying for Relationship Rewards!.
Qualified rate · Effective Oct 14, 2026
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More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: Minimum balance is $250.00. Subject to early withdrawal penalties.
Offer: Promotional offer available for New Money only (funds originating outside Patelco deposited within 10 calendar days prior to opening). Dividends paid monthly.
Promotional rate · 4.17% interest rate · Effective Aug 7, 2026
Rate checked
More details - Yolo Federal Credit UnionCertificates of Deposit (CDs)CD · 9 months · $500 min
Credit union · 5 branches
4.25%APY$317 over 9 months on $10,000with conditionsRequirements
Product: To qualify for membership, you must live, work, worship, or attend school in Yolo, Sacramento, Placer, or El Dorado counties. An early withdrawal penalty may apply if funds are withdrawn before maturity.
Offer: Promotional 9-month rate. Requires Yolo FCU Checking Account, Debit Card, Direct Deposit, and funding with funds new to Yolo FCU. Available for a limited time.
Qualified rate
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More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Limited-time only. Interest compounded monthly, regardless of amount. A penalty may be imposed for withdrawals before maturity.
Offer: The 9-month certificate will automatically renew to a 6-month term upon maturity.
Promotional rate · 4.16% interest rate · Compounded monthly · Effective Oct 16, 2026
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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 16–22
- Typical
- 3.15%
- Top 10% from
- 4.00%
- Banks, typical
- 2.46%
- Credit unions, typical
- 3.25%
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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