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 Jose, CA metro
- EverTrust BankCertificates of Deposit (TCD)CD · 9 months · $3,000 min · 3.50%–3.80% by balance
Bank · 2 branches
3.50%APY$261 over 9 months on $10,000Requirements
Product: Account eligible for individuals. Pays fixed rate. Automatic renewal. Early withdrawal penalty applies if CD is closed before maturity. Fees may reduce principal and interest.
Offer: Annual Percentage Yield (APY) assumes interest remains on deposit for the term of the account.
3.48% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (TCD) Balance APY $3,000 – $20,000Your amount 3.50% $20,000 – $80,000 3.65% $80,000 and up 3.80% Rate checked
More details - 3.50%APY$261 over 9 months on $10,000
Requirements
Product: Fixed-rate, fixed-term Share Certificates with terms ranging from 30 days to 2 years.
Offer: Limited-time offer starting 09/15/2026. Limit of one promotional share certificate per member. Early withdrawal penalties apply.
Balance cap $20,000,000 · Effective Sep 15, 2026
Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 3 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
3.44% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificates Balance APY Up to $100,000Your amount 3.50% $100,000 and upJumbo tier. 3.75% 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 - PremierOne Credit UnionRegular Share CertificatesCD · 24 months · $1,000 min
Credit union · 5 branches
3.50%APY$712 over 24 months on $10,000Requirements
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 - 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 - 3.30%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 - Provident Credit UnionDeferred Dividend CertificateCD · 12 months · $500 min · 3.30%–3.50% by balance
Credit union · 6 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 - CommonWealth Central Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 4 branches
3.25%APY$325 over 1 year on $10,000Requirements
Product: Available with a minimum deposit of $500. 12-month Certificates allow unlimited additional deposits throughout the term (minimum deposit amounts of $100). Early withdrawal penalty is 90 days of interest. Dividends are paid monthly based on simple daily interest.
Offer: Allows unlimited additional deposits anytime during the term (minimum of $100 for each extra deposit). Early withdrawal penalty is 90 days of interest.
3.20% interest rate
Rate checked
More details - 3.25%APY$1,734 over 60 months on $10,000
Requirements
Product: Terms 3 months–5 years. Dividends compounded and credited monthly; dividend period monthly. Early withdrawal penalties may apply. Rates subject to change daily. Federally insured up to $250,000 by NCUA in conjunction with other CEFCU accounts.
Offer: Minimum to open $1,000.
3.20% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - Provident Credit UnionFixed Rate Add-On CertificateCD · 12 months · $250 min · 3.20%–3.40% by balance
Credit union · 6 branches
3.20%APY$320 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. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting your term. Deposits that bring the balance over $1,000,000 are at the discretion of management.
Offer: Can add deposits of any amount anytime up to $1,000,000.
3.15% interest rate
Rate by balance
Rate by balance for Fixed Rate Add-On Certificate Balance APY $250 and upYour amount 3.20% $50,000 and up 3.30% $100,000 and up 3.40% Rate checked
More details - 3.20%APY$347 over 13 months on $10,000
Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Minimum withdrawal $500, minimum balance $5,000. Withdrawals must be made in person at a branch or by calling (800) 632-4600. Withdrawals allowed without penalty every 7 calendar days, maximum of 3 withdrawals per month. No dividends paid on balances below balance minimum.
Offer: Minimum withdrawal $500. Withdrawals allowed without penalty every 7 calendar days, max 3 withdrawals/month. In-person or phone withdrawal required.
3.15% interest rate
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