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 San Francisco, CA metro
- Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 1 branch
3.90%APY$795 over 24 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 and up 4.00% Rate checked
More details - Provident Credit UnionFixed Rate CertificateCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 15 branches
3.90%APY$795 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. Early withdrawal penalties apply.
3.83% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate Balance APY $1,000 and upYour amount 3.90% $50,000 and up 3.95% $100,000 and up 4.00% Rate checked
More details - State Bank of India (California)Certificate of Deposit (CD)CD · 3–6 months · $1,000 min
Bank · 1 branch
3.85%APYRequirements
Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.
Offer: Term is more than 3 months to 6 months (also listed as Up to 6 Months on personal CD page).
3.80% interest rate · Effective Feb 26, 2026
Rate checked
More details - 3.82%APY$1,191 over 36 months on $10,000
Requirements
Product: Compounded quarterly and subject to change every month. Early withdrawal penalty applies. Dividends paid from current income and available earnings; fees and other conditions could reduce earnings.
Offer: Dividends compounded quarterly.
3.75% interest rate · Compounded quarterly · Effective Jun 1, 2026
Rate checked
More details - Provident Credit UnionVariable Rate Add-On CertificateCD · 24 months · $500 min · 3.80%–3.90% by balance
Credit union · 15 branches
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. Variable rates are subject to change anytime at the discretion of the Board of Directors. Dividend declaration date is the last day of the dividend period. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term.
Offer: Variable rate. Can add deposits of any amount anytime up to $1,000,000.
3.74% interest rate
Rate by balance
Rate by balance for Variable Rate Add-On Certificate Balance APY $500 and upYour amount 3.80% $50,000 and up 3.85% $100,000 and up 3.90% Rate checked
More details - Provident Credit UnionBump-Up CertificatesCD · 24 months · $1,000 min · 3.80%–3.90% by balance
Credit union · 15 branches
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 - 3.75%APY$312 over 10 months on $10,000with conditions
Requirements
Product: Requires corresponding Fremont Bank Checking account open and in good standing at the time of account opening. Initial Deposit must be from a Financial Institution other than Fremont Bank; new money. If opening in combination with funds already on deposit at Fremont Bank, $50,000 or more in new money is required. Checking account may be opened concurrently with Promotional CD account. Limit one promotional account per household. Substantial penalty for early withdrawal. Unless notified, at maturity Promotional CD accounts automatically renew into standard CD accounts (4-Month into 3-Month, 7-Month into 6-Month, 10-Month into 9-Month, 11-Month and 13-Month into 12-Month).
Offer: Automatically renews into a standard 9-Month CD.
Qualified rate · 3.69% interest rate · Balance cap $1,000,000 · Effective Oct 15, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Effective Oct 1, 2025
Rate checked
More details - Diablo Valley Federal Credit UnionShare CertificateCD · 3 months · $1,000 min · 3.40%–3.65% by balance
Credit union · 1 branch
3.65%APY$90 over 3 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal.
Offer: 90 Day Certificate Special. $100,000 per member maximum. Limit one certificate special per member, regardless of the number of accounts.
Promotional rate · 3.35% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $10,000 3.40% $10,000 – $100,000Your amount 3.65% Rate checked
More details - 3.65%APY$90 over 3 months on $10,000intro rate
Requirements
Product: Minimum opening balance of $1,000 in new-to-Tech CU money (funds external to Tech CU within preceding 21 days). Unlimited new-to-Tech CU deposits allowed. One penalty-free withdrawal per calendar month permitted six days after opening, provided withdrawals are more than six days apart and minimum $1,000 balance is maintained.
Offer: Deposit and maintain minimum $1,000 new-to-Tech CU money.
Promotional rate · 3.60% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: Certificate rates remain fixed for term. Dividends credited and compounded monthly. Insured by NCUA up to $250,000. Early withdrawal penalties apply.
3.59% interest rate · Compounded monthly
Rate checked
More details - 3.60%APY$208 over 7 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.53% interest rate · Effective Oct 14, 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 San Francisco, CA metro
748 CDs at 72 banks and credit unions · checked Oct 6–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.25%
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San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches