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 16–30 results in Bakersfield, CA metro
- Strata Credit UnionWealth Builder Share CertificateCD · 12 months · $100 min
Credit union · 4 branches
3.75%APY$375 over 1 year on $10,000with conditionsRequirements
Product: Must select a monthly transfer amount (minimum $50) from checking or savings account. Maximum allowable amount is $75,000. Automatically renews. Only one Wealth Builder Certificate per membership.
Offer: Must select a monthly transfer amount (minimum $50) from checking or savings account. Automatically renews. Maximum allowable amount: $75,000. Only one Wealth Builder Certificate per membership.
Qualified rate · 3.68% interest rate · Balance cap $75,000 · Effective Oct 1, 2026
Rate checked
More details - Valley Strong Credit UnionPromotional CertificateCD · 13 months · $1,000 min
Credit union · 16 branches
3.75%APY$407 over 13 months on $10,000intro rateRequirements
Product: $1,000 minimum opening deposit. New money must be deposited to obtain promotional rate (funds not currently on deposit with Valley Strong Credit Union). After initial 13-month term, funds will automatically renew into a traditional 12 month certificate. Penalties may be assessed for early withdrawal. Fees may reduce earnings. Not valid for IRA accounts. Valley Strong Membership is required. Offer may be withdrawn at any time.
Offer: The 13-month certificate offer is effective starting 10/01/26. 3.75% APY is based on a dividend rate of 3.687%. $1,000 minimum opening deposit of new money required. Automatically renews into a 12-month traditional certificate. Not valid for IRA accounts. Early withdrawal penalties may apply. Valley Strong Membership required.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
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More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: No fees to open or maintain your account. Dividends earned daily and compounded quarterly. Early withdrawal penalties apply.
Offer: APY paid at maturity only. Early withdrawal penalty applies.
Compounded quarterly · Effective Jul 1, 2026
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More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Tri Counties BankPersonal Certificates of DepositCD · 11 months · $1,000 min · 3.30%–3.70% by balance
Bank · 4 branches
3.30%APY$302 over 11 months on $10,000intro rateRequirements
Product: No Monthly Maintenance Fee. Terms available from 3 months to 5 years. Interest earned can be reinvested or disbursed monthly, quarterly, annually or at maturity. Promotional rates are available on new 7-month and 11-month Trico Advantage CDs. Interest compounded daily and paid at maturity. Not available for Public Funds or Financial Institutions.
Offer: 11-Month Trico Advantage CD promotional rate for balances between $1,000 and $24,999. Interest compounded daily and paid at maturity.
Promotional rate · Compounded daily
Rate by balance
Rate by balance for Personal Certificates of Deposit Balance APY $1,000 – $24,999Your amount 3.30% $25,000 – $99,999 3.50% $100,000 and up 3.70% Rate checked
More details - 3.25%APY$243 over 9 months on $10,000intro rate
Requirements
Product: Special only with New Money. For a limited time.
Offer: Only with New Money. For a limited time.
Promotional rate
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
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More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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More details - 2.00%APY$404 over 24 months on $10,000
2.00% interest rate
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 10 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.51%APY$460 over 36 months on $10,000
Requirements
Product: Offering a fixed rate of return. Early withdrawal penalties may apply. There is a 10-day grace period after maturity to make changes/withdrawals with no penalty. Federally insured up to $250,000.
Offer: Rates are variable and may change after the account is opened. Fees may reduce earnings.
1.50% interest rate · Effective Mar 1, 2026
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More details - 0.75%APY$381 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Membership eligibility applies (anyone who lives, works, or attends an educational or religious institution within Kern County).
0.75% interest rate · Effective Oct 1, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 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 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%
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Bakersfield, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Desert Valleys Federal Credit UnionCredit union · 1 branch
- Firefighters First Credit UnionCredit union · 1 branch
- Self-Help Federal Credit UnionCredit union · 2 branches