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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 106–120 results in San Francisco, CA metro

  1. Sheet Metal Workers Local 104 Federal Credit UnionShare CertificateCD · 48 months · $1,000 min

    Credit union · 1 branch

    3.00%APY$1,255 over 48 months on $10,000
  2. BMOCD SpecialsCD · 59 months · $1,000 min

    Bank · 50 branches

    3.00%APY$1,564 over 59 months on $10,000
  3. Valley60-Month Certificate of DepositCD · 60 months · $500 min

    Bank · 1 branch

    3.00%APY$1,593 over 60 months on $10,000
  4. San Francisco Federal Credit UnionCertificatesCD · 60 months · $1,000 min

    Credit union · 7 branches

    3.00%APY$1,593 over 60 months on $10,000
  5. WaFd Bank30 Month CD SpecialCD · 30 months · $1,000 min

    Bank · 1 branch

    2.95%APY$754 over 30 months on $10,000intro rate
  6. Atchison Village CUShare CertificatesCD · 12 months · $500 min · 2.53%–2.79% by balance

    Credit union · 1 branch

    2.79%APY$279 over 1 year on $10,000
  7. Top Carrot, Carrot Score 93
    CommunityAmerica Credit UnionSaver CertificateCD · 12 months · $50 min

    Credit union · 4 branches

    2.75%APY$275 over 1 year on $10,000
  8. Shell Western States FCUShare CertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    2.63%APY$263 over 1 year on $10,000
  9. Exchange BankFlex CDCD · 15 months · 2.52%–2.53% by balance

    Bank · 1 branch

    2.52%APY$316 over 15 months on $10,000
  10. First Citizens BankSpecial-Feature CDCD · 3–5 months · $500 min

    Bank · 4 branches

    2.50%APYintro rate
  11. Top Carrot, Carrot Score 93
    Travis Credit UnionStandard Certificate AccountsCD · 60 months · $500 min

    Credit union · 7 branches

    2.45%APY$1,287 over 60 months on $10,000
  12. Top Carrot, Carrot Score 89
    Bay Cities CUStar CertificatesCD · 24 months · $2,000 min · 1.97%–3.06% by balance

    Credit union · 1 branch

    2.28%APY$460 over 24 months on $10,000
  13. ILWU Credit UnionFlexible CertificateCD · 24 months · $1,000 min · 1.90%–2.05% by balance

    Credit union · 2 branches

    1.90%APY$384 over 24 months on $10,000
  14. Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance

    Bank · 123 branches

    1.76%APYwith conditions
  15. Metropolitan BankPersonal Certificates of DepositCD · 48 months · $2,500 min

    Bank · 3 branches

    0.50%APY$202 over 48 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

* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.

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

  1. 1st Nor Cal® Credit UnionCredit union · 5 branches
  2. American Airlines Federal Credit UnionCredit union · 1 branch
  3. CommunityAmerica Credit UnionCredit union · 4 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate