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 Riverside, CA metro
- 4.20%APY$600 over 17 months on $10,000
Requirements
Product: There is no minimum balance required to earn the stated APY. The minimum opening deposit for a regular certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.
Offer: Limited-Time Special.
4.12% interest rate · Effective Oct 16, 2026
Rate checked
More details - 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 rateRequirements
Product: Can only be opened in-branch or by phone and funded with new money (funds not on deposit at Golden 1 in the 30 days prior to account opening). Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal.
Offer: Must be funded with new money.
Promotional rate · 4.07% interest rate · Effective Sep 25, 2026
Rate checked
More details - Golden 1 Credit Union19-Month Term Savings CertificateCD · 19 months · $500 min
Credit union · 1 branch
4.15%APY$665 over 19 months on $10,000Requirements
Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
4.07% interest rate · Effective Sep 25, 2026
Rate checked
More details - 4.15%APY$847 over 24 months on $10,000
Requirements
Product: Must be a member or qualify for membership to open a certificate. Early withdrawal subject to penalty. Automatically renews upon maturity at the current rate and term closest to standard terms unless other options selected. 7-day grace period.
Offer: Minimum opening deposit/balance of $1,000 required.
4.07% interest rate · Effective Sep 21, 2026
Rate checked
More details - 4.13%APY$843 over 24 months on $10,000
Requirements
Product: No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.
4.05% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 11 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - SchoolsFirst FCUShare CertificateCD · 60 months · $500 min · 4.10%–4.30% by balance
Credit union · 16 branches
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
4.02% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and upYour amount 4.10% $20,000 and up 4.15% $50,000 and up 4.20% $100,000 and upJumbo tier. 4.25% $250,000 and upJumbo tier. 4.30% Rate checked
More details - Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min
Credit union · 1 branch
4.00%APY$165 over 5 months on $10,000Requirements
Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
3.93% interest rate · Effective Sep 25, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000
Requirements
Product: Dividends earned monthly. Insured up to at least $250,000 by NCUA. Subject to early withdrawal penalty.
Offer: Special limited-time promo share certificate. Early withdrawal penalties and other restrictions may apply.
Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - American United Federal Credit UnionRegular CertificateCD · 6 months · $500 min
Credit union · 3 branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Requires GoldStar® Membership.
3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 6 months · $5 min
Credit union · 3 branches
4.00%APY$198 over 6 months on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Requires GoldStar® Membership.
Qualified rate · 3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Minimum $1,000 to open. New money required; funds deposited may not be from an existing Financial Partners Credit Union account. Up to two penalty-free withdrawals allowed during the 9-month term; minimum balance of $1,000 must be maintained in the account at all times. Additional early withdrawals or early closure will incur a penalty.
Offer: New money only. Up to two penalty-free withdrawals allowed during term while maintaining a minimum balance of $1,000 at all times. Additional early withdrawals or early closure incur penalty.
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - Financial Partners Credit UnionTraditional CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Fixed rates and guaranteed returns with terms ranging from 3 to 60 months. Minimum deposit of $1,000. Penalty for early withdrawal/early closure.
Offer: Penalty for early withdrawal closure.
Effective Oct 15, 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 Riverside, CA metro
578 CDs at 50 banks and credit unions · checked Oct 16–22
- Typical
- 2.82%
- Top 10% from
- 4.00%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.25%
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Find your bank or credit union to see all its rates and how they compare near you.
Riverside, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Thinkwise Credit UnionCredit union · 2 branches
- CU SoCalCredit union · 4 branches