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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.

Term
Location

Top CD rates

Showing 1–15 results in Salinas, CA metro

  1. Top Carrot, Carrot Score 87
    Golden 1 Credit Union9-Month New Money Term Savings CertificateCD · 9 months · $500 min

    Credit union · 1 branch

    4.30%APY$321 over 9 months on $10,000intro rate
  2. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 15 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  3. Top Carrot, Carrot Score 88
    UMB BankTime Deposit Account Special OffersCD · 15 months · $500 min

    Bank · 1 branch

    4.25%APY$534 over 15 months on $10,000intro rate
  4. Top Carrot, Carrot Score 87
    Golden 1 Credit UnionTerm Savings CertificateCD · 17 months · $500 min

    Credit union · 1 branch

    4.20%APY$600 over 17 months on $10,000
  5. Top Carrot, Carrot Score 87
    Golden 1 Credit Union10-Month New Money Term Savings CertificateCD · 10 months · $500 min

    Credit union · 1 branch

    4.15%APY$345 over 10 months on $10,000intro rate
  6. Top Carrot, Carrot Score 87
    Golden 1 Credit Union19-Month Term Savings CertificateCD · 19 months · $500 min

    Credit union · 1 branch

    4.15%APY$665 over 19 months on $10,000
  7. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 1 branch

    4.10%APY$621 over 18 months on $10,000
  8. Top Carrot, Carrot Score 87
    Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min

    Credit union · 1 branch

    4.00%APY$165 over 5 months on $10,000
  9. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionEasyStart CertificateCD · 12 months · $50 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  10. Wescom FinancialShare CertificateCD · 60 months · $500 min

    Credit union · 4 branches

    4.00%APY$2,167 over 60 months on $10,000
  11. Bay Federal Credit UnionCertificatesCD · 60 months · $1,000 min · 3.82%–3.92% by balance

    Credit union · 2 branches

    3.82%APY$2,062 over 60 months on $10,000
  12. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 6 branches

    3.75%APY$217 over 7 months on $10,000
  13. Fremont BankPromotional Certificate of DepositCD · 10 months · $2,500 min

    Bank · 1 branch

    3.75%APY$312 over 10 months on $10,000with conditions
  14. Top Carrot, Carrot Score 94
    Corrections Federal Credit UnionShare Certificate (Certificate of Deposit)CD · 3–36 months · $1,000 min

    Credit union · 1 branch

    3.60%APY
  15. Monterey Credit UnionShare CertificatesCD · 9 months · $10,000 min

    Credit union · 3 branches

    3.50%APY$261 over 9 months on $10,000

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 Salinas, CA metro

216 CDs at 13 banks and credit unions · checked Oct 6–22

Typical
1.38%
Top 10% from
3.85%
Banks, typical
0.30%
Credit unions, typical
3.40%

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Salinas, CA metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Corrections Federal Credit UnionCredit union · 1 branch
  2. UMB BankBank · 1 branch
  3. Navy Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate