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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 Merced, CA metro

  1. Top Carrot, Carrot Score 93
    Travis Credit UnionCertificate SpecialsCD · 18 months · $500 min

    Credit union · 2 branches

    4.30%APY$652 over 18 months on $10,000intro rate
  2. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 3 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  3. 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
  4. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 2 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  5. Top Carrot, Carrot Score 89
    Farmers Insurance Federal Credit UnionLimited Time 3-Month and 6-Month Share CertificatesCD · 3 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$99 over 3 months on $10,000intro rate
  6. MERCO Credit UnionTerm CertificatesCD · 6–60 months · $500 min

    Credit union · 2 branches

    4.00%APYintro rate
  7. Top Carrot, Carrot Score 89
    Farmers Insurance Federal Credit UnionNo Penalty 9-Month CertificateCD · 9 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$299 over 9 months on $10,000intro rate
  8. Top Carrot, Carrot Score 89
    Farmers Insurance Federal Credit UnionShare Certificate AccountsCD · 60 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$2,167 over 60 months on $10,000with conditions
  9. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 2 branches

    3.75%APY$217 over 7 months on $10,000
  10. Educational Employees Credit UnionShare CertificatesCD · 36 months · $500 min · 3.61%–3.76% by balance

    Credit union · 1 branch

    3.66%APY$1,139 over 36 months on $10,000
  11. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 2 branches

    3.30%APY$219 over 8 months on $10,000with conditions
  12. Tri Counties BankPersonal Certificates of DepositCD · 11 months · $1,000 min · 3.30%–3.70% by balance

    Bank · 1 branch

    3.30%APY$302 over 11 months on $10,000intro rate
  13. Bank of AmericaFlexible CDCD · 12 months · $1,000 min · 3.15%–3.65% by balance

    Bank · 2 branches

    3.15%APY$315 over 1 year on $10,000
  14. Top Carrot, Carrot Score 93
    Travis Credit UnionStandard Certificate AccountsCD · 60 months · $500 min

    Credit union · 2 branches

    2.45%APY$1,287 over 60 months on $10,000
  15. Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance

    Bank · 3 branches

    1.76%APYwith conditions

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 Merced, CA metro

187 CDs at 10 banks and credit unions · checked Oct 16–22

Typical
1.51%
Top 10% from
3.75%
Banks, typical
0.50%
Credit unions, typical
3.23%

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Merced, CA metro

Top Carrot institutions

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

  1. Travis Credit UnionCredit union · 2 branches
  2. CitiBank · 2 branches
  3. Farmers Insurance Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate