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 Sacramento, CA metro
- Provident Credit UnionBump-Up CertificatesCD · 24 months · $1,000 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. Rate can be increased one time during certificate term to the current Bump-Up Certificate rate with that same term. Early withdrawal penalties apply.
Offer: One bump-up allowed during term to current rate.
3.74% interest rate
Rate by balance
Rate by balance for Bump-Up Certificates Balance APY $1,000 and upYour amount 3.80% $50,000 and up 3.85% $100,000 and up 3.90% Rate checked
More details - 3.75%APY$92 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. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.
Offer: Offer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.
Promotional rate · 3.68% interest rate · Balance cap $99,999 · Effective Oct 5, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000intro rate
Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Limited time offer. Dividend rates are fixed for the term of the certificate and not subject to tiered rates. Deposits cannot be added once opened. Institutional deposits are not eligible. Renewals at maturity to the same term at the fixed rate in effect. Early withdrawal penalty applies.
Offer: Limited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible.
Promotional rate · 3.69% interest rate
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 - Heritage Community Credit UnionWealth Builder Share CertificateCD · 12 months · $25 min
Credit union · 3 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Monthly automatic deposit of $25.00 required.
Offer: Monthly automatic deposit of $25.00 required.
3.65% interest rate · Effective Oct 14, 2026
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
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More details - 3.55%APY$1,906 over 60 months on $10,000
Requirements
Product: A penalty may be imposed for withdrawals before maturity.
3.49% interest rate · Effective Oct 16, 2026
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More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Must meet membership and account criteria. Early withdrawal penalties apply. Certificates generally renew to a like term at the dividend rate in effect at renewal.
Offer: Original term of less than one year early withdrawal penalty is 90 days of dividends.
3.45% interest rate · Effective Sep 1, 2026
Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 2 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
3.44% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificates Balance APY Up to $100,000Your amount 3.50% $100,000 and upJumbo tier. 3.75% Rate checked
More details - 3.45%APY$171 over 6 months on $10,000intro rate
Requirements
Product: Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Dividends paid monthly. Penalties for early withdrawal may apply. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal.
Promotional rate · 3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.
3.35% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Tri Counties BankPersonal Certificates of DepositCD · 11 months · $1,000 min · 3.30%–3.70% by balance
Bank · 7 branches
3.30%APY$302 over 11 months on $10,000intro rateRequirements
Product: No Monthly Maintenance Fee. Terms available from 3 months to 5 years. Interest earned can be reinvested or disbursed monthly, quarterly, annually or at maturity. Promotional rates are available on new 7-month and 11-month Trico Advantage CDs. Interest compounded daily and paid at maturity. Not available for Public Funds or Financial Institutions.
Offer: 11-Month Trico Advantage CD promotional rate for balances between $1,000 and $24,999. Interest compounded daily and paid at maturity.
Promotional rate · Compounded daily
Rate by balance
Rate by balance for Personal Certificates of Deposit Balance APY $1,000 – $24,999Your amount 3.30% $25,000 – $99,999 3.50% $100,000 and up 3.70% Rate checked
More details - Provident Credit UnionDeferred Dividend CertificateCD · 12 months · $500 min · 3.30%–3.50% by balance
Credit union · 1 branch
3.30%APY$330 over 1 year on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Dividends paid at maturity and compounded annually. Deposits cannot be added to this certificate once opened.
Offer: Dividends paid at maturity and compounded annually. Deposits cannot be added once opened.
3.25% interest rate · Compounded annually
Rate by balance
Rate by balance for Deferred Dividend Certificate Balance APY $500 and upYour amount 3.30% $50,000 and up 3.40% $100,000 and up 3.50% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 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