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 61–75 results in Riverside, CA metro
- 3.00%APY$927 over 36 months on $10,000
Requirements
Offer: Dividends paid monthly (rate) or annually and at maturity (APY).
2.96% interest rate · Effective Oct 1, 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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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 - First Financial Credit UnionRelationship Share CertificateCD · 12 months · $500 min
Credit union · 3 branches
2.85%APY$285 over 1 year on $10,000with conditionsRequirements
Product: Must have an FFCU Checking Account and Online Banking to open and earn additional dividends. Qualifying relationship products/services under the same account number increase dividend yield up to a maximum of 4 electives (categories: active debit cards, credit cards, SuperSavers, IRAs, Auto Loans, and Real Estate Loans).
Offer: +4 relationship products. Dividends paid annually and at maturity.
Qualified rate · 2.85% interest rate · Effective Oct 1, 2026
Rate checked
More details - First Financial Credit UnionAloha Share CertificateCD · 12 months · $2,500 min
Credit union · 3 branches
2.75%APY$275 over 1 year on $10,000with conditionsRequirements
Product: Must be opened with new money only (funds from non-First Financial sources/outside bank accounts) and require an active Checking account with Online Banking.
Offer: New money only; active Checking account with Online Banking required. Dividends paid annually and at maturity.
Qualified rate · 2.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - California Coast Credit UnionPrimary CertificateCD · 60 months · $1,000 min · 1.00%–2.65% by balance
Credit union · 4 branches
2.65%APY$1,397 over 60 months on $10,000Requirements
Product: Terms from 3 months to 5 years. Compounded and credited monthly. Daily balance method. Early withdrawal penalties apply. $5 one-time membership fee and savings account required for membership.
1.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Primary Certificate Balance APY $1,000 – $10,000 1.00% $10,000 – $50,000Your amount 2.65% $50,000 – $90,000 2.65% $90,000 and up 2.65% Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - Novo Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 2 branches
2.50%APY$250 over 1 year on $10,000Requirements
Product: Dividends paid quarterly. Early withdrawal penalty may apply. Account will automatically renew at maturity unless otherwise noted.
Offer: Dividends paid quarterly. Early withdrawal penalty may apply. Account will automatically renew at maturity unless otherwise noted.
2.47% interest rate
Rate checked
More details - Orange County's Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min · 2.30%–2.95% by balance
Credit union · 1 branch
2.30%APY$1,204 over 60 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Early withdrawal penalties apply. Automatic reinvestment at maturity. Membership requirements apply.
2.27% interest rate · Compounded daily · Effective Sep 11, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 and upYour amount 2.30% $25,000 and up 2.85% $100,000 and up 2.95% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 64 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 - San Diego County Credit UnionCertificate AccountCD · 18 months · $2,000 min
Credit union · 3 branches
1.75%APY$264 over 18 months on $10,000Requirements
Product: Minimum opening deposit: $2,000 for long-term certificates. Additional funds cannot be added during the term. APYs assume dividends remain in the account until maturity. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty: 90 days' dividends for terms of 1 year or less, 180 days' dividends for terms greater than 1 year.
Offer: Early withdrawal penalty: 180 days' dividends.
1.74% interest rate · Effective Oct 5, 2026
Rate checked
More details - 1.50%APY$773 over 60 months on $10,000
Requirements
Product: Must live, work, or worship in Orange, Riverside, or San Bernardino County or in 14 qualified cities in Southern California. A one-time $5 membership fee applies for new members. Dividends compounded daily and credited monthly or at maturity. Early withdrawal penalty applies (equal to one-half of the term's dividends on amount withdrawn).
1.49% interest rate · Compounded daily · Effective Oct 6, 2026
Rate checked
More details - Altura Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min · 1.25%–1.35% by balance
Credit union · 23 branches
1.25%APY$641 over 60 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty may apply. Dividends calculated daily and paid monthly. $0 monthly fee.
1.24% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $100,000Your amount 1.25% $100,000 and up 1.35% Rate checked
More details - Frontwave Credit UnionMilitary Savers CertificatesCD · 36 months · $100 min
Credit union · 5 branches
1.20%APY$364 over 36 months on $10,000Requirements
Product: Exclusive higher rate for eligible active-duty, reservists, retired military, or veteran Members and their spouses. Eligibility must be verified with valid military or veteran identification at account opening. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends. Monthly automatic deposits between $10 and $1,000 required.
Offer: Available only to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Opening deposit $100-$1,000; automatic monthly deposits $10-$1,000.
1.19% interest rate · Effective Sep 1, 2026
Rate checked
More details - 0.95%APY$288 over 36 months on $10,000
Requirements
Product: Must be a Member or qualify for membership to open a certificate. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends and APY. Monthly automatic deposits between $10 and $1,000 must be the same amount each month for full term. Early withdrawal penalty applies.
Offer: Opening deposit between $100 and $1,000; automatic monthly deposit of $10 to $1,000 required. Minimum daily balance of $100 required to earn dividends.
0.95% interest rate · Effective Sep 1, 2026
Rate checked
More details - Ontario Public Employees FCUCertificate RatesCD · 12 months · $2,500 min · 0.55%–0.85% by balance
Credit union · 1 branch
0.65%APY$65 over 1 year on $10,000Requirements
Product: Dividend rates are fixed for the term of the certificate. A penalty is applied for early withdrawal. Member accounts insured by NCUSIF up to $250,000.00.
0.55% interest rate · Effective Oct 17, 2022
Rate by balance
Rate by balance for Certificate Rates Balance APY $2,500 and up 0.55% $10,000 and upYour amount 0.65% $25,000 and up 0.75% $50,000 and up 0.85% 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