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
- 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 - 4.30%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 - 4.28%APY$428 over 1 year 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.
4.20% interest rate · Effective Sep 18, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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 - 4.08%APY$408 over 1 year on $10,000
Requirements
Product: No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.
4.00% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 11 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 12–17 months · $500 min
Credit union · 1 branch
4.05%APYRequirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
3.98% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - Financial Partners Credit UnionTraditional CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Fixed rates and guaranteed returns with terms ranging from 3 to 60 months. Minimum deposit of $1,000. Penalty for early withdrawal/early closure.
Offer: Penalty for early withdrawal closure.
Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Available to consumer customers. Early withdrawal penalty will be imposed.
Offer: Annual Percentage Yield (APY) assumes all interest will remain on deposit until maturity date. Early withdrawal penalty will be imposed.
3.94% interest rate
Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 12 months · $5 min
Credit union · 3 branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Requires GoldStar® Membership.
Qualified rate · 3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - American United Federal Credit UnionRegular CertificateCD · 12 months · $500 min
Credit union · 3 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Requires GoldStar® Membership.
3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - SchoolsFirst FCUShare CertificateCD · 12–17 months · $500 min · 3.95%–4.15% by balance
Credit union · 16 branches
3.95%APYRequirements
Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
3.87% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and upYour amount 3.95% $20,000 and up 4.00% $50,000 and up 4.05% $100,000 and upJumbo tier. 4.10% $250,000 and upJumbo tier. 4.15% 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 1-year CDs pay in Riverside, CA metro
74 CDs at 48 banks and credit unions · checked Oct 16–22
- Typical
- 3.15%
- Top 10% from
- 4.05%
- Banks, typical
- 1.76%
- Credit unions, typical
- 3.33%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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