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 Riverside, CA metro
- America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.51% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.50%APY$920 over 24 months 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.
4.41% interest rate · Effective Oct 6, 2026
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More details - America First Credit UnionBump-Rate Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
4.45%APY$2,432 over 60 months on $10,000Requirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
4.36% interest rate · Effective Oct 21, 2026
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 - 4.33%APY$214 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. NCUA insured up to $250,000. Rates and APY may change after account opening.
Offer: A penalty will be imposed for early withdrawal.
4.25% interest rate · Effective Sep 18, 2026
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More details - Golden 1 Credit Union9-Month New Money Term Savings CertificateCD · 9 months · $500 min
Credit union · 1 branch
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
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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$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$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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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
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 20 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Early withdrawal subject to penalty on all Certificates and could reduce the earnings on the account.
Offer: Early withdrawal subject to penalty.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Vida Federal Credit Union13 Month Certificate Special (New Money)CD · 13 months · $1,000 min
Credit union · 1 branch
4.20%APY$456 over 13 months on $10,000intro rateRequirements
Product: 13-month special: new money only. At least 50% of the balance, or a minimum of $10,000, must come from another institution or as a cash deposit. Early withdrawal penalty 90 days. Dividend rate 4.11%. Automatically renews to then-current 12-month certificate at maturity.
Offer: New money only. At least 50% of the balance, or a minimum of $10,000, must come from another institution or as a cash deposit. Early withdrawal penalty 90 days. Dividend rate 4.11%.
Promotional rate · 4.11% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.20%APY$456 over 13 months on $10,000intro rate
Requirements
Product: Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.
Offer: Promotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 16, 2026
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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 Riverside, CA metro
578 CDs at 50 banks and credit unions · checked Oct 16–22
- Typical
- 2.82%
- Top 10% from
- 4.00%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.25%
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Riverside, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Thinkwise Credit UnionCredit union · 2 branches
- CU SoCalCredit union · 4 branches