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 16–30 results in San Jose, CA metro
- Golden 1 Credit Union10-Month New Money Term Savings CertificateCD · 10 months · $500 min
Credit union · 1 branch
4.15%APY$345 over 10 months on $10,000intro rateRequirements
Product: Can only be opened in-branch or by phone and funded with new money (funds not on deposit at Golden 1 in the 30 days prior to account opening). Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal.
Offer: Must be funded with new money.
Promotional rate · 4.07% interest rate · Effective Sep 25, 2026
Rate checked
More details - Golden 1 Credit Union19-Month Term Savings CertificateCD · 19 months · $500 min
Credit union · 1 branch
4.15%APY$665 over 19 months on $10,000Requirements
Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
4.07% interest rate · Effective Sep 25, 2026
Rate checked
More details - 4.10%APY$445 over 13 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 · 4.01% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Offer: 180 Days CD
Rate checked
More details - 4.05%APY$2,196 over 60 months on $10,000intro rate
Requirements
Product: Membership is required with a one-time non-refundable $5 fee. Early withdrawal penalties apply. Rates are for consumer accounts only and not available for institutional certificates.
Offer: Penalty may apply for early withdrawal. Limited time offer.
Promotional rate · 3.97% interest rate · Effective Oct 13, 2026
Rate checked
More details - 4.00%APY$132 over 4 months on $10,000intro rate
Requirements
Product: Offered for a limited time on short-term CDs. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Interest is compounded quarterly. Minimum opening deposit/balance is $1,000. Early withdrawal penalty may apply.
Offer: Short-term CD special.
Promotional rate · 3.94% interest rate · Compounded quarterly · Effective Feb 26, 2026
Rate checked
More details - Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min
Credit union · 1 branch
4.00%APY$165 over 5 months on $10,000Requirements
Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
3.93% interest rate · Effective Sep 25, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).
Effective Oct 16, 2026
Rate checked
More details - CommonWealth Central Credit Union9 Mos. Special CertificateCD · 9 months · $500 min
Credit union · 4 branches
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: For new money only (funds must not currently be deposited with CommonWealth). Single-term certificate that will not automatically renew at maturity; funds transfer to Regular Share Account at maturity. Limit one Special Share Certificate per member; cannot be combined with any other Special Share Certificate. After opening, no additional deposits allowed.
Offer: For new money only. Maximum deposit limit is $250,000. Single term; does not automatically renew. Early withdrawal penalty is 90 days of interest.
Promotional rate · 3.93% interest rate · Balance cap $250,000
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More details - Mirastar Federal Credit Union11 Month Promo CertificateCD · 11 months · $500 min
Credit union · 7 branches
4.00%APY$366 over 11 months on $10,000intro rateRequirements
Product: Limited time offer valid from 08/17/2026 through 09/30/2026. Excludes IRA and ESA certificates. Automatically renews at maturity to the 12-month certificate fixed rate unless withdrawn at maturity or within 6-day grace period. Early withdrawal penalty applies. Must be a member of Mirastar Federal Credit Union.
Offer: Valid from 08/17/2026 through 09/30/2026. Minimum opening deposit of $500. Excludes IRA and ESA certificates. Early withdrawal penalty applies. Renews to 12-month certificate fixed rate at maturity.
Promotional rate · 3.94% interest rate · Effective Aug 17, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends paid monthly. Early withdrawal penalties apply.
Effective Oct 1, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.
3.94% interest rate · Effective Sep 1, 2026
Rate checked
More details - United Business BankU Matter Account Specials Certificate of DepositCD · 24 months · $5,000 min
Bank · 2 branches
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.
Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.
Promotional rate · Balance cap $10,000,000 · Effective Jul 23, 2026
Rate checked
More details - Provident Credit UnionFixed Rate CertificateCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 6 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
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 Jose, CA metro
491 CDs at 41 banks and credit unions · checked Oct 6–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.50%
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San Jose, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Star One Credit UnionCredit union · 6 branches
- Stanford Federal Credit UnionCredit union · 5 branches
- First BankBank · 1 branch