Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Los Angeles, CA metro
- Schools Federal Credit UnionRelationship CertificateCD · 12 months · $5,000 min
Credit union · 2 branches
5.90%APY$590 over 1 year on $10,000with conditionsRequirements
Product: Named 12-month promotional certificate. Additional deposits permitted anytime. Product page: minimum deposit $5,000, maximum $100,000. Qualification: $500 minimum in Primary Share Account (suffix 000); $250 average checking balance; direct deposit/payroll deduction of at least $500 a month; $7,500 minimum combined loan balances. Dividend-sheet footnote (D) instead lists $500 share savings, $500 share checking, $7,500 combined loans, e-Statements, and maximum deposit $100,000. Terms apply.
Offer: Relationship qualifications required (share, checking, direct deposit/payroll, combined loans; e-Statements on dividend sheet). Additional deposits allowed. Rate tables show the same 5.75%/5.90% in both under- and over-$90,000 columns.
Qualified rate · 5.75% interest rate · Balance cap $100,000
Rate checked
More details - LA Healthcare FCUCertificatesCD · 12 months · $1,000 min · 4.60%–5.13% by balance
Credit union · 2 branches
4.86%APY$486 over 1 year on $10,000Requirements
Product: Rates effective October 1, 2026; rates apply to balance tiers from $1,000.
4.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 4.60%* $10,000 and upYour amount 4.86%* $25,000 and up 5.13%* Rate checked
More details - 4.40%APY$440 over 1 year on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.
Qualified rate
Rate checked
More details - 4.39%APY$439 over 1 year on $10,000intro rate
Requirements
Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.
Promotional rate · 4.30% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.
4.26% 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
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.
Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Qualified rate
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.
Offer: Opened in Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
Rate checked
More details - City First BankCertificates of Deposit (CD) (Retail/Consumer Only)CD · 12 months · $1,000 min
Bank · 2 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.
4.16% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000intro rate
Requirements
Product: New funds only from outside CU SoCal. Must be a CU SoCal Member. New Member maximum online opening deposit is up to $150,000. Deposits made through electronic transfers (ACH) will not be available for withdrawal for 60 days from the date of deposit. Early withdrawals may incur a 180-day dividend penalty. Automatically renews into a 12-month certificate at the prevailing rate.
Offer: Promotional APY and rate are available for a limited time; new funds only. Fixed rate 4.17% dividend rate. Minimum deposit to open is $500; no maximum deposit.
Promotional rate · 4.17% interest rate
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
Offer: Rewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member. For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $500.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - F&A Credit UnionCertificatesCD · 12 months · $1,000 min · 4.25%–4.35% by balance
Credit union · 2 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Must agree to receive paperless eStatements for premium rate. Early withdrawal penalty applies. Automatic renewal available. Federally insured up to $250,000.
Offer: $1,000 Minimum Deposit tier. Dividend rate 4.16%. Must agree to receive paperless eStatements.
4.16% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 4.25% $50,000 and upDividend rate 4.26%. 4.35% Rate checked
More details - 4.25%APY$425 over 1 year 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 - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Invest as little as $1,000. $1,000 minimum deposit. Pays a bonus rate on certificates of $50,000 or more (excluded from promotional certificate offers). PremiumSpend checking account owners receive an additional 0.25% APY / dividend rate bonus. Early withdrawal penalties apply. Rates may vary after account is opened.
Offer: Minimum opening deposit $1,000. Early withdrawal penalties apply.
4.03% interest rate · Effective Oct 17, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay in Los Angeles, CA metro
169 CDs at 117 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.06%
- Banks, typical
- 3.10%
- Credit unions, typical
- 3.25%
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Los Angeles, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches
- Downey Federal Credit UnionCredit union · 2 branches