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 1–15 results in Sacramento, CA metro
- 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Minimum deposit is $500. Membership subject to eligibility. Early withdrawal penalty applies to principal; dividends earned may be withdrawn at any time without penalty. Dividends are compounded and credited quarterly.
Offer: Includes 1x Bump Up feature.
4.43% interest rate · Effective Oct 9, 2026
Rate checked
More details - Heritage Community Credit UnionShare CertificatesCD · 22 months · $1,000 min
Credit union · 3 branches
4.40%APY$821 over 22 months on $10,000intro rateRequirements
Product: Minimum opening deposit $1,000.
Offer: 22 Month Special
Promotional rate · 4.31% interest rate · Effective Oct 14, 2026
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More details - 4.33%APY$433 over 1 year on $10,000
Requirements
Offer: APY is based on an minimum deposit of $1,000. Rates are subject to change. A penalty may be assessed for early withdrawal.
Effective Sep 9, 2025
Rate checked
More details - Golden 1 Credit Union9-Month New Money Term Savings CertificateCD · 9 months · $500 min
Credit union · 32 branches
4.30%APY$321 over 9 months on $10,000intro rateRequirements
Product: This special 9-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. The APY is based on an assumption that principal and dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal.
Offer: Can only be opened in-branch or by phone and funded with new money.
Promotional rate · 4.22% interest rate · Effective Oct 16, 2026
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More details - 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Minimum initial deposit $500. Dividends compound monthly. Penalty for early withdrawal. Automatically renews at maturity at the nearest available standard term and dividend rate, not to exceed the term of the Certificate Special.
Offer: 18 months (548 days). Dividends compound monthly. Penalty for early withdrawal.
Promotional rate · 4.22% interest rate · Effective Sep 28, 2026
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More details - 4.30%APY$689 over 19 months on $10,000intro rate
Requirements
Product: Available for a limited time. Promotional rate good for initial term only. At maturity, account automatically renews into a standard term certificate for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
Offer: 19-Month Promotional Share Certificate.
Promotional rate · 4.21% interest rate · Effective Oct 16, 2026
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More details - 4.25%APY$105 over 3 months on $10,000
Requirements
Offer: APY accurate as of September 24, 2026. Rate may change after account is opened. Minimum balance requirement must be maintained in the account each day to obtain the disclosed APY. Grace period of seven calendar days after maturity to withdraw funds without penalty. Early withdrawal penalty equals 3.00% of the principal amount withdrawn early.
4.16% interest rate · Effective Sep 24, 2026
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More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: Minimum balance is $250.00. Subject to early withdrawal penalties.
Offer: Promotional offer available for New Money only (funds originating outside Patelco deposited within 10 calendar days prior to opening). Dividends paid monthly.
Promotional rate · 4.17% interest rate · Effective Aug 7, 2026
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More details - Yolo Federal Credit UnionCertificates of Deposit (CDs)CD · 9 months · $500 min
Credit union · 5 branches
4.25%APY$317 over 9 months on $10,000with conditionsRequirements
Product: To qualify for membership, you must live, work, worship, or attend school in Yolo, Sacramento, Placer, or El Dorado counties. An early withdrawal penalty may apply if funds are withdrawn before maturity.
Offer: Promotional 9-month rate. Requires Yolo FCU Checking Account, Debit Card, Direct Deposit, and funding with funds new to Yolo FCU. Available for a limited time.
Qualified rate
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More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Limited-time only. Interest compounded monthly, regardless of amount. A penalty may be imposed for withdrawals before maturity.
Offer: The 9-month certificate will automatically renew to a 6-month term upon maturity.
Promotional rate · 4.16% interest rate · Compounded monthly · Effective Oct 16, 2026
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More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 4 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.20%APY$456 over 13 months on $10,000intro rate
Requirements
Product: Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.
Offer: Promotional CD. May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 16, 2026
Rate checked
More details - 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
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 Sacramento, CA metro
446 CDs at 37 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 0.75%
- Credit unions, typical
- 3.30%
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Sacramento, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Travis Credit UnionCredit union · 2 branches
- Firefighters First Credit UnionCredit union · 1 branch
- First BankBank · 3 branches