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 Riverside, CA metro
- 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Available to consumer customers. Early withdrawal penalty will be imposed.
Offer: Annual Percentage Yield (APY) assumes all interest will remain on deposit until maturity date. Early withdrawal penalty will be imposed.
3.94% interest rate
Rate checked
More details - 4.00%APYwith conditions
Requirements
Product: Open a certificate with as little as $500. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
Qualified rate · 3.93% interest rate
Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Rates as of 10/7/2026 in header; disclosure states accurate as of 08/04/2026. Minimum opening deposit and balance to obtain APY is $500.00. Additional bonus dividends available for Signature and Platinum Signature members.
Offer: Platinum Signature Member tier; 60 months.
3.92% interest rate
Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Terms from 3 to 60 months. Dividends paid monthly and may be added to certificate or paid out to another Vida account. Upon maturity, 7 calendar day grace period to renew, change terms/balance, or withdraw without penalty; otherwise auto-renews at prevailing rate. Early withdrawal penalties apply. $0 monthly fee.
Offer: Early withdrawal penalty 180 days of dividends. Dividend rate 3.92%.
3.92% interest rate · Effective Sep 1, 2026
Rate checked
More details - UPS Employees Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends are compounded and paid monthly. 10-day grace period at maturity; automatically renews into the same certificate term. Early withdrawal penalties apply. Youth certificates allow unlimited deposits.
3.92% interest rate
Rate checked
More details - 3.95%APY$295 over 9 months on $10,000
Requirements
Product: CAHP Credit Union membership required. $2,000 minimum deposit required to open and maintain certificate account. Substantial penalty for early withdrawal. APY assumes dividends are reinvested and remain in the account for the duration of the term. Rates subject to change without notice.
Offer: CAHP Credit Union membership required. $2,000 minimum deposit required to open and maintain certificate account.
Rate checked
More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 2 branches
3.90%APY$795 over 24 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 and up 4.00% Rate checked
More details - America First Credit UnionFlexible Certificate AccountsCD · 12 months · $500 min
Credit union · 1 branch
3.80%APY$380 over 1 year on $10,000Requirements
Product: Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.
Offer: One penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly.
3.74% interest rate · Balance cap $100,000 · Effective Oct 21, 2026
Rate checked
More details - 3.77%APY$2,033 over 60 months on $10,000
Requirements
Product: Membership required ($5.00 min deposit in Share Savings Account). A penalty will or may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity.
3.70% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Sun Community Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · 2 branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Fixed rate. Interest is compounded and credited monthly.
Offer: Early withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more.
3.69% interest rate · Effective Oct 7, 2026
Rate checked
More details - Interfaith Federal Credit UnionCertificate AccountsCD · 6 months · $1,000 min · 3.70%–3.80% by balance
Credit union · 1 branch
3.70%APY$183 over 6 months on $10,000Requirements
Product: Dividends are paid quarterly. Liquid Certificate is available for 6-month term. Unlimited deposits and 2 penalty-free withdrawals May be subject to new money requirements.
Offer: Dividends paid quarterly.
3.63% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 – $4,999 3.70% $5,000 – $14,999Your amount 3.70% $15,000 – $29,999 3.75% $30,000 – $49,999 3.75% $50,000 – $99,999 3.80% $100,000 and up 3.80% Rate checked
More details - Inland Valley Federal Credit UnionCertificateCD · 60 months · $500 min · 3.55%–3.61% by balance
Credit union · 1 branch
3.57%APY$1,917 over 60 months on $10,000Requirements
Product: Must meet field of membership requirements, pay a one-time membership fee, and maintain a regular share savings account. Must maintain specified minimum daily balance to earn stated APY.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and up 3.55% $10,000 and upYour amount 3.57% $50,000 and up 3.59% $90,000 and up 3.61% Rate checked
More details - 3.56%APY$266 over 9 months on $10,000with conditions
Requirements
Product: Fixed interest rate for the term. Interest compounded daily. Variable terms from 3 to 60 months. Minors (age 12-17) eligible with parent/guardian (age 18+). 10-day grace period for penalty-free withdrawals upon automatic renewal.
Offer: CD Special. Earn up to 3.56% APY with a Banner's Best Checking account (current owners earn 0.25% over posted rates; account must be active at renewal). Interest compounds daily and is credited at maturity. On the first maturity date after promotion ends, changes to a standard 6-month fixed rate CD.
Qualified rate · Compounded daily · Effective May 1, 2026
Rate checked
More details - Certified Federal Credit UnionJumbo Share CertificatesCD · 6 months · $10,000 min
Credit union · 1 branch
3.55%APY$176 over 6 months on $10,000Requirements
Product: Penalties may apply for early withdrawals. Higher minimum balance requirement in exchange for higher annual yield.
Offer: Penalties may apply for early withdrawals.
3.49% interest rate · Effective Feb 6, 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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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