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 Sacramento, CA metro
- 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Golden 1 Credit Union10-Month New Money Term Savings CertificateCD · 10 months · $500 min
Credit union · 32 branches
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 · 32 branches
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 - SchoolsFirst FCUShare CertificateCD · 60 months · $500 min · 4.10%–4.30% by balance
Credit union · 11 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 - First U.S. Community Credit UnionShare CertificateCD · 3–12 months · $500 min
Credit union · 5 branches
4.00%APYintro rateRequirements
Product: Federally insured by NCUA up to $250,000. Penalty for early withdrawal; withdrawals will reduce earnings.
Offer: Certificate Special: 3, 6, 9 or 12 Month Special. Fixed rate. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates.
Promotional rate · 3.93% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$99 over 3 months on $10,000intro rate
Requirements
Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies.
Offer: Offer good for initial term only. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.
Promotional rate · 3.92% interest rate · Balance cap $99,999
Rate checked
More details - Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min
Credit union · 32 branches
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 $10,000intro 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 - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).
Effective Oct 16, 2026
Rate checked
More details - California Community Credit UnionTerm Account / CertificateCD · 6 months · $1,000 min
Credit union · 3 branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
Offer: Fixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies.
3.94% interest rate · Effective Sep 28, 2026
Rate checked
More details - California Community Credit UnionTerm Savings Certificate SpecialCD · 6 months · $1,000 min
Credit union · 3 branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Dividends paid quarterly, APY assumes dividends remain in account until maturity. Maximum deposit amount is $478,000.00. Early withdrawals incur a penalty. Renews to a standard Certificate at non-promotional dividend rate in effect at maturity.
Offer: Dividends paid quarterly. Early withdrawal penalty applies. Renews to standard Certificate at non-promotional dividend rate at maturity.
Promotional rate · Balance cap $478,000 · Effective Aug 25, 2026
Rate checked
More details - United Business BankU Matter Account Specials Certificate of DepositCD · 24 months · $5,000 min
Bank · 1 branch
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.
Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.
Promotional rate · Balance cap $10,000,000 · Effective Jul 23, 2026
Rate checked
More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 1 branch
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 - Provident Credit UnionFixed Rate CertificateCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 1 branch
3.90%APY$795 over 24 months on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Early withdrawal penalties apply.
3.83% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate Balance APY $1,000 and upYour amount 3.90% $50,000 and up 3.95% $100,000 and up 4.00% Rate checked
More details - Provident Credit UnionVariable Rate Add-On CertificateCD · 24 months · $500 min · 3.80%–3.90% by balance
Credit union · 1 branch
3.80%APY$774 over 24 months on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Variable rates are subject to change anytime at the discretion of the Board of Directors. Dividend declaration date is the last day of the dividend period. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term.
Offer: Variable rate. Can add deposits of any amount anytime up to $1,000,000.
3.74% interest rate
Rate by balance
Rate by balance for Variable Rate Add-On Certificate Balance APY $500 and upYour amount 3.80% $50,000 and up 3.85% $100,000 and up 3.90% 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