Skip to content

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.

Term
Location

Top CD rates

Showing 1–15 results in Bakersfield, CA metro

  1. OceanAir Federal Credit UnionTerm Share CertificatesCD · 60 months · $500 min

    Credit union · 1 branch

    4.50%APY$2,462 over 60 months on $10,000
  2. Top Carrot, Carrot Score 87
    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 rate
  3. Safe 1 Credit UnionCertificatesCD · 7 months · $1,000 min

    Credit union · 8 branches

    4.25%APY$246 over 7 months on $10,000with conditions
  4. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 10 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  5. Top Carrot, Carrot Score 89
    CitiCertificate of DepositCD · 12 months · $500 min

    Bank · 2 branches

    4.25%APY$425 over 1 year on $10,000
  6. Top Carrot, Carrot Score 87
    Golden 1 Credit UnionTerm Savings CertificateCD · 17 months · $500 min

    Credit union · 1 branch

    4.20%APY$600 over 17 months on $10,000
  7. Top Carrot, Carrot Score 89
    Self-Help Federal Credit UnionTerm CertificatesCD · 36 months · $500 min

    Credit union · 2 branches

    4.18%APY$1,307 over 36 months on $10,000
  8. Top Carrot, Carrot Score 87
    Golden 1 Credit Union10-Month New Money Term Savings CertificateCD · 10 months · $500 min

    Credit union · 1 branch

    4.15%APY$345 over 10 months on $10,000intro rate
  9. Top Carrot, Carrot Score 87
    Golden 1 Credit Union19-Month Term Savings CertificateCD · 19 months · $500 min

    Credit union · 1 branch

    4.15%APY$665 over 19 months on $10,000
  10. Energy One Federal Credit UnionShare CertificateCD · 13 months · $500 min

    Credit union · 1 branch

    4.10%APY$445 over 13 months on $10,000intro rate
  11. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 1 branch

    4.10%APY$621 over 18 months on $10,000
  12. Top Carrot, Carrot Score 87
    Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min

    Credit union · 1 branch

    4.00%APY$165 over 5 months on $10,000
  13. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionEasyStart CertificateCD · 12 months · $50 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  14. Top Carrot, Carrot Score 92
    Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance

    Credit union · 1 branch

    3.90%APY$795 over 24 months on $10,000
  15. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 9 branches

    3.75%APY$217 over 7 months on $10,000

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 Bakersfield, CA metro

259 CDs at 20 banks and credit unions · checked Oct 4–22

Typical
2.00%
Top 10% from
4.01%
Banks, typical
0.50%
Credit unions, typical
3.58%

Is your bank paying you enough?

Find your bank or credit union to see all its rates and how they compare near you.

Suggestions appear after two characters. Use arrow keys and Enter to choose an institution, or submit to see all matches.

Bakersfield, CA metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Desert Valleys Federal Credit UnionCredit union · 1 branch
  2. Firefighters First Credit UnionCredit union · 1 branch
  3. Self-Help Federal Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate