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 46–60 results in Sacramento, CA metro
- 3.24%APY$379 over 14 months on $10,000
Requirements
Product: A penalty may be imposed for withdrawals before maturity from term accounts. Fees imposed on your account may affect the annual percentage yield.
3.19% interest rate · Effective Sep 1, 2026
Rate checked
More details - Provident Credit UnionFixed Rate Add-On CertificateCD · 12 months · $250 min · 3.20%–3.40% by balance
Credit union · 1 branch
3.20%APY$320 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. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting your term. Deposits that bring the balance over $1,000,000 are at the discretion of management.
Offer: Can add deposits of any amount anytime up to $1,000,000.
3.15% interest rate
Rate by balance
Rate by balance for Fixed Rate Add-On Certificate Balance APY $250 and upYour amount 3.20% $50,000 and up 3.30% $100,000 and up 3.40% Rate checked
More details - 3.20%APY$347 over 13 months on $10,000
Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Minimum withdrawal $500, minimum balance $5,000. Withdrawals must be made in person at a branch or by calling (800) 632-4600. Withdrawals allowed without penalty every 7 calendar days, maximum of 3 withdrawals per month. No dividends paid on balances below balance minimum.
Offer: Minimum withdrawal $500. Withdrawals allowed without penalty every 7 calendar days, max 3 withdrawals/month. In-person or phone withdrawal required.
3.15% interest rate
Rate checked
More details - SAFE Credit UnionTerm CertificateCD · 60 months · $500 min · 3.20%–3.25% by balance
Credit union · 18 branches
3.20%APY$1,706 over 60 months on $10,000Requirements
Product: Dividends paid monthly. Early withdrawal penalties may apply. Automatically renews at maturity. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal. Certificates with a term not shown renew to the closest term not exceeding the existing term.
3.15% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Term Certificate Balance APY $500 – $25,000Your amount 3.20% $25,000 and up 3.25% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - First Tech Federal Credit UnionBump Up Share CertificatesCD · 18 months · $500 min · 3.15%–3.40% by balance
Credit union · 2 branches
3.15%APY$476 over 18 months on $10,000Requirements
Product: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.
Offer: Add more money once per term.
3.10% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Up Share Certificates Balance APY Up to $100,000Your amount 3.15% $100,000 and upJumbo tier. 3.40% Rate checked
More details - 3.05%APY
Requirements
Product: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies.
Offer: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies.
3.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $99,999Your amount 3.05% $100,000 and up 3.06% Rate checked
More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
Rate checked
More details - 3.04%APY$304 over 1 year 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 · 3.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - PostCity Financial Credit UnionRegular Share CertificateCD · 12 months · $2,000 min
Credit union · 1 branch
3.03%APY$303 over 1 year on $10,000Requirements
Product: Must maintain Regular Share Account. Requires maintaining a minimum average daily balance of $2,000 to obtain APY and avoid closure. Early withdrawal penalties apply.
3.00% 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 - 2.68%APY$543 over 24 months on $10,000
Requirements
Product: If a higher non-promotional Bump Up rate becomes available, you may request to change the rate once during term. New rate is applied for remaining term. Penalty-free automatic transfers to a SAFE account allowed on the 1st of each month, providing the transfers will not deplete the certificate prior to maturity. Dividends paid monthly. Certificate penalties for early withdrawal may apply.
2.65% interest rate · Effective Sep 1, 2026
Rate checked
More details - 2.52%APY$316 over 15 months on $10,000
Requirements
Product: New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies. Tier for $99,999 or less is for renewals only.
Offer: Renewals only. Early withdrawal penalty applies.
2.49% interest rate
Rate by balance
Rate by balance for Flex CD Balance APY Up to $99,999Your amount 2.52% $100,000 and up 2.53% 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 - 2.45%APY$1,287 over 60 months on $10,000
Requirements
Product: Minimum initial deposit $500. Dividends compound monthly. Fixed rate until maturity. Early withdrawal penalty applies.
Offer: 60 months (1825 or more days). Dividends compound monthly.
2.42% interest rate · Effective Sep 28, 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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Find your bank or credit union to see all its rates and how they compare near you.
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