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 61–75 results in San Francisco, CA metro
- SeaWest Coast Guard Federal Credit UnionTerm Share CertificateCD · 60 months · $500 min · 3.56%–3.61% by balance
Credit union · 1 branch
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Rates are subject to change without notice. Early withdrawal penalty is equal to 30 to 90 days of dividends on funds withdrawn prior to maturity. Federally insured up to $250,000.
Offer: Funds may be added one time during the term if certificate purchased on or after June 1, 2019. A one-time rate bump-up is included for certificates with terms of 24 months or longer and a minimum balance of $2,500 to the current rate being offered for the same term.
3.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $49,999Your amount 3.56% $50,000 and up 3.61% Rate checked
More details - 3.55%APY$537 over 18 months on $10,000intro rate
Requirements
Product: Membership required. Dividends must remain on deposit until maturity to earn stated APY. Additional deposits or withdrawals are not permitted until maturity.
Offer: Special promotional rate offer for 18 months. Membership required. Not available for corporate accounts. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 24-month Certificate.
Promotional rate · 3.49% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Sun Pacific Federal Credit UnionShare Certificate AccountsCD · 6 months · 3.35%–3.55% by balance
Credit union · 1 branch
3.55%APY$176 over 6 months on $10,000Effective Apr 21, 2026
Rate by balance
Rate by balance for Share Certificate Accounts Balance APY Up to $10,000 3.35% $10,000 and upYour amount 3.55% Rate checked
More details - 3.55%APY$723 over 24 months on $10,000with conditions
Requirements
Offer: Requires Secure Checking or Silver Express account for an additional 0.25% boost
Qualified rate · 3.50% interest rate · Effective Jan 7, 2026
Rate checked
More details - 3.51%APY$471 over 16 months on $10,000
Requirements
Product: During the term, account owner may withdraw up to 50% of account balance once per calendar month without penalty. Withdrawals over 50% incur a penalty equivalent to 180 days' worth of dividends on the remaining amount. Early withdrawal penalty may apply. Available to personal and business members.
Offer: Standard rate tier. APY if dividends are not withdrawn during the term.
3.45% interest rate · Balance cap $99,999.99 · Effective Sep 16, 2026
Rate checked
More details - 3.51%APY$713 over 24 months on $10,000
Requirements
Product: Dividends are compounded and credited quarterly for terms of 1 year or longer, and compounded and credited monthly for 6-month terms. Early withdrawal penalties may apply. Match or Beat Rate promotion available for terms from 6 to 60 months with $1,000 minimum in new funds up to $250,000.
Offer: Dividends compounded quarterly and credited quarterly.
3.45% interest rate · Compounded quarterly
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - ILWU Credit UnionCertificatesCD · 6 months · $1,000 min · 3.50%–3.80% by balance
Credit union · 2 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Tiered balance ranges from $1,000 up to $100,000. Dividends paid quarterly or at maturity into the account of choice (or monthly and at maturity per rate table). Early withdrawal penalties may apply.
Offer: Tier 1
3.45% interest rate · Effective Jun 17, 2024
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $25,000Your amount 3.50% $25,000 – $50,000Tier 2 3.60% $50,000 – $100,000Tier 3 3.70% $100,000 and upTier 4 3.80% Rate checked
More details - Sheet Metal Workers Local 104 Federal Credit UnionPromotional Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000intro rateRequirements
Product: Limited time offer.
Offer: Limited time promotional rate.
Promotional rate · 3.44% interest rate
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 - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 12-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed rates for the term. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Except for Save to Win, Pup, and Student certificates, additional deposits cannot be made after opening.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$560 over 19 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 · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.50%APY$712 over 24 months on $10,000
Requirements
Product: Membership requires maintaining at least 1 share ($5.00 par value). 10-day grace period after maturity. Dividends calculated by average daily balance method, credited and compounded monthly. Early withdrawal penalties apply. Partial withdrawals are not allowed.
3.44% interest rate · Compounded monthly · Effective Oct 13, 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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