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 136–150 results in Los Angeles, CA metro
- Certified Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 8 branches
3.30%APY$330 over 1 year on $10,000Requirements
Product: Early withdrawal penalties may apply. Minimum balance requirement is $1,000. Term lengths range from 6 months to 5 years. Insured up to $250,000 by NCUA/NCUSIF.
Offer: Penalties may apply for early withdrawals.
3.25% interest rate · Effective Feb 6, 2026
Rate checked
More details - USPS Federal Credit UnionMonthly Income Share Certificate Account (MISCA)CD · 24 months · $10,000 min
Credit union · 1 branch
3.30%APY$671 over 24 months on $10,000Requirements
Product: Transfers monthly dividend payments to USPS FCU Share Savings or Checking Account as income supplement. Penalty imposed for early withdrawal.
Offer: 2 Year Term. Rates set monthly.
3.25% interest rate · Balance cap $500,000
Rate checked
More details - First City Credit UnionTerm Certificate AccountCD · 60 months · $1,000 min · 3.20%–3.40% by balance
Credit union · 6 branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Membership required. Tiered rates based on minimum balance. Penalties will be imposed for early withdrawals.
3.15% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Term Certificate Account Balance APY $1,000 – $9,999 3.20% $10,000 – $49,999Your amount 3.30% $50,000 and up 3.40% Rate checked
More details - Eagle Community Credit Union$1,000 Term Share CertificateCD · 60 months · $1,000 min
Credit union · 6 branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Early withdrawal penalties apply (up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends).
3.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - USPS Federal Credit UnionMoney Market Add-On CertificateCD · 6 months · $5,000 min
Credit union · 1 branch
3.25%APY$161 over 6 months on $10,0003.20% interest rate · Balance cap $500,000
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More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Membership eligibility required (live, work, attend church, or go to school in Santa Ana, CA).
3.20% interest rate · Effective Feb 1, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. Automatically renews at maturity.
Offer: Penalty for early withdrawal.
3.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - San Diego County Credit UnionPromotional CertificateCD · 15 months · $2,000 min
Credit union · 5 branches
3.25%APY$408 over 15 months on $10,000intro rateRequirements
Product: Deposits by foundations (i.e., nonprofit organizations, charities, etc.) are not eligible. Not available for chartered financial institutions or accounts. Deposits using cryptocurrencies are not eligible. Institutional deposits are limited to $2 million per chartered retail financial institution (excluding digital assets) and only available to retail financial institutions with less than $1 billion in total assets as of March 31, 2026. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty applies.
Offer: Upon maturity, the 15-month certificate will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. Available online and in-branch. Early withdrawal penalty: 180 days' dividends.
Promotional rate · 3.20% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
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More details - United Catholics Federal CUTerm CertificatesCD · 36 months · $1,000 min · 3.25%–3.71% by balance
Credit union · 1 branch
3.25%APY$1,007 over 36 months on $10,000Requirements
Product: Rate of return tiered based on balance. Flexible terms up to 60 months. No monthly or yearly maintenance fees. Early withdrawal penalties may apply.
Offer: Fixed rate 36 months.
3.20% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Term Certificates Balance APY $1,000 and upYour amount 3.25% $25,000 and up 3.40% $50,000 and up 3.61% $100,000 and up 3.71% Rate checked
More details - Gain Federal Credit UnionShare CertificateCD · 60 months · $1,000 min · 3.25%–3.40% by balance
Credit union · 2 branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Membership with Gain FCU is required. Dividends are compounded and credited monthly. Early withdrawal penalties may apply and may reduce earnings and principal.
3.20% interest rate · Effective Dec 1, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.25% $25,000 and up 3.25% $50,000 and up 3.30% $100,000 and up 3.40% Rate checked
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 - 3.21%APY$321 over 1 year on $10,000
Requirements
Offer: Dividends paid monthly
3.16% interest rate · Effective Apr 1, 2026
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More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Water and Power Community Credit UnionFlexible Savings CertificateCD · 6 months · $5,000 min
Credit union · 4 branches
3.15%APY$156 over 6 months on $10,000Requirements
Product: Three deposits per 6-month maturity period allowed. One in-branch withdrawal (maximum $750) per month allowed without dividend forfeiture. Early withdrawal subject to penalty. Minimum daily account balance of $5,000 required.
Offer: 6-month maturity. Up to 3-4 deposits allowed per 6-month period, and 1 in-branch withdrawal up to $750 per month.
3.11% interest rate · Effective Sep 1, 2026
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 CDs pay in Los Angeles, CA metro
1,194 CDs at 122 banks and credit unions · checked Oct 16–23
- Typical
- 3.10%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.25%
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Los Angeles, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches
- Downey Federal Credit UnionCredit union · 2 branches