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 76–90 results in San Francisco, CA metro
- 3.45%APY$522 over 18 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 18-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 - 3.40%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 - 3.40%APY$340 over 1 year on $10,000
3.40% interest rate · Balance cap $249,999.99 · Effective Sep 25, 2026
Rate checked
More details - Sheet Metal Workers Local 104 Federal Credit Union14-Month Certificate of DepositCD · 14 months · $1,000 min
Credit union · 1 branch
3.40%APY$398 over 14 months on $10,000intro rateRequirements
Product: New money only. Limited time offer.
Offer: New money only. Limited time offer.
Promotional rate
Rate checked
More details - BAC Community BankStandard Certificates of Deposit (CDs)CD · 11 months · $2,500 min · 3.35%–3.71% by balance
Bank · 4 branches
3.35%APY$307 over 11 months on $10,000Requirements
Product: Online account opening is available for Existing Customers when opened as a Personal account with individual or joint ownership. Subject to change without notice. A penalty for early withdrawal may apply.
3.30% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Standard Certificates of Deposit (CDs) Balance APY $2,500 – $10,000 3.35% $10,000 – $50,000Your amount 3.35% $50,000 – $100,000 3.61% $100,000 and up 3.71% Rate checked
More details - 3.30%APY$164 over 6 months on $10,000intro rate
Requirements
Product: Available to residents of California, New Jersey, New York, Texas, Nevada, Washington and Arizona. Must be opened online. Subject to early withdrawal penalty. Additional deposits cannot be made during the term.
Offer: Must be opened online. Interest is compounded daily and credited monthly.
Promotional rate · 3.25% interest rate · Compounded daily
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$246 over 9 months on $10,000
Requirements
Product: Interest compounded and credited monthly. Substantial penalty for early withdrawal. Unless notified, accounts automatically renew at maturity.
3.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - Tri Counties BankPersonal Certificates of DepositCD · 11 months · $1,000 min · 3.30%–3.70% by balance
Bank · 11 branches
3.30%APY$302 over 11 months on $10,000intro rateRequirements
Product: No Monthly Maintenance Fee. Terms available from 3 months to 5 years. Interest earned can be reinvested or disbursed monthly, quarterly, annually or at maturity. Promotional rates are available on new 7-month and 11-month Trico Advantage CDs. Interest compounded daily and paid at maturity. Not available for Public Funds or Financial Institutions.
Offer: 11-Month Trico Advantage CD promotional rate for balances between $1,000 and $24,999. Interest compounded daily and paid at maturity.
Promotional rate · Compounded daily
Rate by balance
Rate by balance for Personal Certificates of Deposit Balance APY $1,000 – $24,999Your amount 3.30% $25,000 – $99,999 3.50% $100,000 and up 3.70% Rate checked
More details - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: Minimum deposit of $1,000. Rates compounded daily. A penalty may be imposed for early withdrawal.
Offer: Minimum daily balance $1,000.00. Early withdrawal penalty applies.
Compounded daily · Effective Oct 6, 2026
Rate checked
More details - Provident Credit UnionDeferred Dividend CertificateCD · 12 months · $500 min · 3.30%–3.50% by balance
Credit union · 15 branches
3.30%APY$330 over 1 year on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Dividends paid at maturity and compounded annually. Deposits cannot be added to this certificate once opened.
Offer: Dividends paid at maturity and compounded annually. Deposits cannot be added once opened.
3.25% interest rate · Compounded annually
Rate by balance
Rate by balance for Deferred Dividend Certificate Balance APY $500 and upYour amount 3.30% $50,000 and up 3.40% $100,000 and up 3.50% Rate checked
More details - 3.30%APY$1,763 over 60 months on $10,000
Requirements
Product: Early withdrawal penalties apply. Interest rates are set by the Board of Directors and are subject to change. Dividend frequency is Monthly.
Offer: Dividend Frequency: Monthly
3.25% interest rate · Effective Nov 1, 2025
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: 12-month fixed rate certificate. Minimum opening balance and minimum balance requirement is $1,000. Allows unlimited deposits during the term and penalty-free withdrawals up to 50% of the daily available balance at start of day. Early withdrawal penalty applies to withdrawals exceeding 50% of daily available balance. Active Checking bump/rate increase is not applicable.
Offer: Fixed rate for 12 months; add-on deposits allowed; penalty-free withdrawals up to 50% of daily available balance; Active Checking bump not applicable.
3.20% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: 12-month fixed-rate certificate. Dividends calculated using daily balance method, compounded and credited monthly. Accountholders allowed one withdrawal with $25 penalty during term; second withdrawal incurs $25 penalty and account closure. Earns entries into savings promotion raffles for balance increases. Additional deposits allowed.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-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
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