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 31–45 results in Oxnard, CA metro
- 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
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
Rate checked
More details - 3.00%APY$174 over 7 months on $10,000
Requirements
Product: Allows unlimited deposits and one penalty-free withdrawal during the 7-month term as long as balance remains above $10,000. Penalty imposed if balance falls below $10,000, more than one withdrawal occurs, or withdrawal is within first 6 days of deposit/partial withdrawal.
Offer: Term is 7 months. Unlimited deposits allowed without extending term; one penalty-free withdrawal during term as long as balance remains above $10,000.
2.96% interest rate · Effective Sep 28, 2026
Rate checked
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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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
Rate checked
More details - 2.75%APY$68 over 3 months on $10,000
Requirements
Product: Simple interest accrues daily and compounds daily. Customers can have interest paid weekly, bi-weekly, monthly, semi-annually, annually, or at maturity (if term is 1 year or less). Early withdrawal penalty may apply.
Offer: Term is 90 days. Penalty for early withdrawal.
2.72% interest rate · Effective Sep 28, 2026
Rate checked
More details - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.
Offer: Rate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer.
Effective Oct 15, 2026
Rate checked
More details - Ventura County Credit Union13 Month No Penalty CertificateCD · 13 months · $1,000 min
Credit union · 8 branches
2.75%APY$298 over 13 months on $10,000intro rateRequirements
Product: Excludes business accounts. No early withdrawal penalty. Certificate will revert to 12 month certificate rate/term in effect at maturity.
Promotional rate · 2.72% interest rate · Effective Oct 1, 2026
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More details - 2.75%APY$415 over 18 months on $10,000
Requirements
Product: Allows one rate adjustment before maturity if certificate rates increase. 24-month option allows an additional deposit. Minimum deposit $5,000. Early withdrawal penalty applies.
2.72% interest rate · Effective Oct 1, 2026
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More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional 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 · 22 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 - 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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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.15%APY$26 over 21 months on $10,000
Requirements
Product: At one time during the 21-month term, you may choose to reset the interest rate to the prevailing You Choose CD rate for the rest of your term. Penalty for early withdrawal applies.
Offer: Term is 21 months. One rate adjustment allowed during term to prevailing rate.
0.15% interest rate · Effective Sep 28, 2026
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More details - 0.10%APY$25 over 30 months on $10,000intro rate
Requirements
Offer: Months 21-30
Promotional rate · 0.15% interest rate · Effective Oct 22, 2026
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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 Oxnard, CA metro
383 CDs at 23 banks and credit unions · checked Oct 6–22
- Typical
- 2.75%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.50%
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Oxnard, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityAmerica Credit UnionCredit union · 2 branches
- Firefighters First Credit UnionCredit union · 1 branch
- First BankBank · 2 branches