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 San Diego, CA metro
- 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
Rate checked
More details - Certified Federal Credit UnionJumbo Share CertificatesCD · 6 months · $10,000 min
Credit union · 1 branch
3.55%APY$176 over 6 months on $10,000Requirements
Product: Penalties may apply for early withdrawals. Higher minimum balance requirement in exchange for higher annual yield.
Offer: Penalties may apply for early withdrawals.
3.49% interest rate · Effective Feb 6, 2026
Rate checked
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 - California Coast Credit UnionPick Your Term CertificateCD · 11 months · $10,000 min
Credit union · 22 branches
3.50%APY$320 over 11 months on $10,000intro rateRequirements
Product: Limited-time promotional certificate. Minimum opening and earning balance $10,000. Excludes IRAs. No additional deposits allowed. At maturity, automatically renews into a standard 12-Month Certificate at prevailing rate; credited dividends become part of principal. $5 one-time membership fee and savings account required for membership.
Offer: Limited-time promotional offer. Excludes IRAs. Automatically rolls into a 12-month certificate at maturity.
Promotional rate · 3.45% interest rate · Effective Jun 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 · 1 branch
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 - 3.40%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 - Employees Choice FCUShare CertificateCD · 12 months · $1,000 min · 3.30%–3.35% by balance
Credit union · 2 branches
3.35%APY$335 over 1 year on $10,000Requirements
Product: All certificate accounts are subject to penalties for early withdrawal. APY is based on an assumption that dividends will remain on deposit for the entire term of the dividend period. Earnings are reduced by withdrawals from the account.
3.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $10,000 3.30% $10,000 – $25,000Your amount 3.35% $25,000 and up 3.35% 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 - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties may apply. Minimum balance requirement is $1,000. Term lengths range from 6 months to 5 years. Insured up to $250,000 by NCUA/NCUSIF.
Offer: Penalties may apply for early withdrawals.
3.25% interest rate · Effective Feb 6, 2026
Rate checked
More details - San Diego County Credit UnionPromotional CertificateCD · 15 months · $2,000 min
Credit union · 31 branches
3.25%APY$408 over 15 months on $10,000intro rateRequirements
Product: Deposits by foundations (i.e., nonprofit organizations, charities, etc.) are not eligible. Not available for chartered financial institutions or accounts. Deposits using cryptocurrencies are not eligible. Institutional deposits are limited to $2 million per chartered retail financial institution (excluding digital assets) and only available to retail financial institutions with less than $1 billion in total assets as of March 31, 2026. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty applies.
Offer: Upon maturity, the 15-month certificate will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. Available online and in-branch. Early withdrawal penalty: 180 days' dividends.
Promotional rate · 3.20% interest rate · Effective Sep 16, 2026
Rate checked
More details - East County Schools Federal Credit UnionCertificate (CD) SharesCD · 60 months · $1,000 min · 3.14%–3.30% by balance
Credit union · 1 branch
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Minimum investment is $1,000. Certificates automatically renew at maturity at a like term at the current rate. Early withdrawal penalty applies: up to 12 months is 90 days of dividends earned; over 12 months is 180 days of dividends earned.
Offer: Early withdrawal penalty: all dividends earned up to 180 days.
3.10% interest rate · Effective May 1, 2025
Rate by balance
Rate by balance for Certificate (CD) Shares Balance APY $1,000 and up 3.14% $10,000 and upYour amount 3.25% $50,000 and up 3.30% 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 - 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 · 1 branch
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 - Mission Fed Credit UnionStandard CertificatesCD · 6 months · $2,000 min · 3.05%–3.15% by balance
Credit union · 34 branches
3.10%APY$154 over 6 months on $10,000intro rateRequirements
Product: Must meet membership and account criteria. Certificate accounts with a specific term earn opening APY until end of term. APYs assume dividends remain on deposit until maturity. Penalties apply for early withdrawals.
Promotional rate
Rate by balance
Rate by balance for Standard Certificates Balance APY $2,000 and up 3.05% $10,000 and upYour amount 3.10% $100,000 and up 3.15% 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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches