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 San Diego, CA metro
- San Diego Firefighters Federal Credit UnionShare CertificateCD · 12 months · $2,000 min
Credit union · 1 branch
4.45%APY$445 over 1 year on $10,000Requirements
Product: Membership in SDFFCU is limited to employed or retired firefighters and Fire Department personnel permanently assigned to any Fire Department located within San Diego County, immediate family, and employees/members of Firefighter Related Organizations. Automatic renewal at maturity with a 7-day grace period.
4.38% interest 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 - 4.25%APYintro rate
Requirements
Product: Membership required. New money only. Member selects term between 9 and 60 months at opening. At maturity, automatically converts to a non-promotional 1-year Share Certificate. Early withdrawal penalties apply. No liquid option.
Offer: New money only. Member selects term between 9 and 60 months at opening. Dividend paid monthly.
Promotional rate · 4.16% interest rate · Effective Sep 15, 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 $10,000
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 Early withdrawal penalty equals 3.00% of the principal amount withdrawn early.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 - 4.08%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
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More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 27 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 - 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
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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 - Beach Cities Commercial BankCertificate of Deposit AccountsCD · 12 months · $2,500 min · 4.00%–4.30% by balance
Bank · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Stated APY assumes that deposit balances remain until maturity. Interest is compounded monthly and credited monthly. Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty. CDs will automatically renew at maturity into the closest standard term available at the then-current market rate. You have a 10-calendar day grace period after the maturity date to withdraw funds without penalty.
3.93% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificate of Deposit Accounts Balance APY $2,500 and upYour amount 4.00% $100,000 and up 4.30% $250,000 and up 4.30% Rate checked
More details - 3.98%APY$398 over 1 year on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - SchoolsFirst FCUShare CertificateCD · 12–17 months · $500 min · 3.95%–4.15% by balance
Credit union · 2 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 - Northrop Grumman Federal Credit UnionCertificatesCD · 12 months · $2,500 min
Credit union · 2 branches
3.91%APY$391 over 1 year on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.85% interest rate · Effective Oct 16, 2026
Rate checked
More details - State Bank of India (California)Certificate of Deposit (CD)CD · 9–12 months · $1,000 min
Bank · 1 branch
3.85%APYRequirements
Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.
Offer: Term is more than 9 months to 1 year / 12 months (also listed as Up to 12 Months on personal CD page).
3.80% interest rate · Effective Feb 26, 2026
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Must be a member or qualify for membership to open a certificate. Early withdrawal subject to penalty. Automatically renews upon maturity at the current rate and term closest to standard terms unless other options selected. 7-day grace period.
Offer: Minimum opening deposit/balance of $1,000 required.
3.74% interest rate · Effective Sep 21, 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 1-year CDs pay in San Diego, CA metro
48 CDs at 34 banks and credit unions · checked Oct 4–22
- Typical
- 3.13%
- Top 10% from
- 4.13%
- Banks, typical
- 2.26%
- Credit unions, typical
- 3.43%
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San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches