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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 1–15 results in Santa Maria, CA metro

  1. KinectaCertificateCD · 18 months · $100 min

    Credit union · 1 branch

    4.35%APY$660 over 18 months on $10,000intro rate
  2. Top Carrot, Carrot Score 87
    Golden 1 Credit Union9-Month New Money Term Savings CertificateCD · 9 months · $500 min

    Credit union · 1 branch

    4.30%APY$321 over 9 months on $10,000intro rate
  3. Poppy BankPersonal Certificate of Deposit AccountsCD · 3 months · $1,000 min

    Bank · 1 branch

    4.25%APY$105 over 3 months on $10,000
  4. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 8 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  5. Top Carrot, Carrot Score 91
    First BankCertificates of DepositCD · 13 months · $1,000 min

    Bank · 3 branches

    4.20%APY$456 over 13 months on $10,000intro rate
  6. Top Carrot, Carrot Score 87
    Golden 1 Credit UnionTerm Savings CertificateCD · 17 months · $500 min

    Credit union · 1 branch

    4.20%APY$600 over 17 months on $10,000
  7. Top Carrot, Carrot Score 87
    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 rate
  8. Top Carrot, Carrot Score 87
    Golden 1 Credit Union19-Month Term Savings CertificateCD · 19 months · $500 min

    Credit union · 1 branch

    4.15%APY$665 over 19 months on $10,000
  9. Top Carrot, Carrot Score 87
    Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min

    Credit union · 1 branch

    4.00%APY$165 over 5 months on $10,000
  10. SESLOC Credit UnionTraditional Share CertificateCD · 24 months · $1,000 min · 3.92%–4.07% by balance

    Credit union · 1 branch

    3.92%APY$799 over 24 months on $10,000
  11. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 7 branches

    3.75%APY$217 over 7 months on $10,000
  12. SESLOC Credit UnionSave to Win Share CertificateCD · 12 months · $25 min

    Credit union · 1 branch

    3.56%APY$356 over 1 year on $10,000
  13. SESLOC Credit UnionBuilding Block Add-On Share CertificateCD · 12 months · $250 min

    Credit union · 1 branch

    3.56%APY$356 over 1 year on $10,000
  14. Top Carrot, Carrot Score 88
    CoastHills Credit UnionPromotional Share CertificateCD · 13 months · $500 min · 3.49%–3.65% by balance

    Credit union · 6 branches

    3.49%APY$379 over 13 months on $10,000intro rate
  15. Columbia BankCertificate of DepositCD · 6 months · $1,000 min

    Bank · 2 branches

    3.40%APY$169 over 6 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

What CDs pay in Santa Maria, CA metro

223 CDs at 14 banks and credit unions · checked Oct 6–22

Typical
1.00%
Top 10% from
3.92%
Banks, typical
0.40%
Credit unions, typical
3.45%

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Santa Maria, CA metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. First BankBank · 3 branches
  2. CoastHills Credit UnionCredit union · 6 branches
  3. Santa Barbara County Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate