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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 San Diego, CA metro

  1. Top Carrot, Carrot Score 89
    California Credit UnionShare CertificateCD · 13 months · $1,000 min

    Credit union · 11 branches

    4.50%APY$488 over 13 months on $10,000intro rate
  2. Top Carrot, Carrot Score 93
    San Diego Firefighters Federal Credit UnionShare CertificateCD · 12 months · $2,000 min

    Credit union · 1 branch

    4.45%APY$445 over 1 year on $10,000
  3. City National BankPersonal Certificates of DepositCD · 12 months · $2,500 min

    Bank · 4 branches

    4.39%APY$439 over 1 year on $10,000intro rate
  4. Top Carrot, Carrot Score 92
    Home Bank of CaliforniaCertificates of DepositCD · 24–35 months · $10,000 min

    Bank · 1 branch

    4.35%APY
  5. Top Carrot, Carrot Score 87
    SchoolsFirst FCUPromotional Share CertificateCD · 19 months · $500 min

    Credit union · 2 branches

    4.30%APY$689 over 19 months on $10,000intro rate
  6. Poppy BankPersonal Certificate of Deposit AccountsCD · 3 months · $1,000 min

    Bank · 5 branches

    4.25%APY$105 over 3 months on $10,000
  7. MyPoint Credit UnionMyTerm CDCD · 9–60 months · $1,000 min

    Credit union · 7 branches

    4.25%APYintro rate
  8. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 71 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  9. Top Carrot, Carrot Score 89
    CitiCertificate of DepositCD · 12 months · $500 min

    Bank · 16 branches

    4.25%APY$425 over 1 year on $10,000
  10. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 6 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  11. Top Carrot, Carrot Score 91
    First BankCertificates of DepositCD · 13 months · $1,000 min

    Bank · 3 branches

    4.20%APY$456 over 13 months on $10,000intro rate
  12. Top Carrot, Carrot Score 89
    Self-Help Federal Credit UnionTerm CertificatesCD · 36 months · $500 min

    Credit union · 1 branch

    4.18%APY$1,307 over 36 months on $10,000
  13. Frontwave Credit UnionShare CertificatesCD · 24 months · $1,000 min

    Credit union · 8 branches

    4.15%APY$847 over 24 months on $10,000
  14. Balboa Thrift and LoanJumbo Certificates of DepositCD · 24 months · $10,000 min

    Bank · 1 branch

    4.13%APY$843 over 24 months on $10,000
  15. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 27 branches

    4.10%APY$621 over 18 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 San Diego, CA metro

457 CDs at 37 banks and credit unions · checked Oct 6–22

Typical
2.50%
Top 10% from
4.00%
Banks, typical
2.00%
Credit unions, typical
3.25%

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San Diego, CA metro

Top Carrot institutions

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

  1. San Diego Firefighters Federal Credit UnionCredit union · 1 branch
  2. Home Bank of CaliforniaBank · 1 branch
  3. First BankBank · 3 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate