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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 Santa Maria, CA metro
- 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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.00%APY$174 over 7 months on $10,000
Requirements
Product: Allows unlimited deposits and one penalty-free withdrawal during the 7-month term as long as balance remains above $10,000. Penalty imposed if balance falls below $10,000, more than one withdrawal occurs, or withdrawal is within first 6 days of deposit/partial withdrawal.
Offer: Term is 7 months. Unlimited deposits allowed without extending term; one penalty-free withdrawal during term as long as balance remains above $10,000.
2.96% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - 2.75%APY$68 over 3 months on $10,000
Requirements
Product: Simple interest accrues daily and compounds daily. Customers can have interest paid weekly, bi-weekly, monthly, semi-annually, annually, or at maturity (if term is 1 year or less). Early withdrawal penalty may apply.
Offer: Term is 90 days. Penalty for early withdrawal.
2.72% interest rate · Effective Sep 28, 2026
Rate checked
More details - CoastHills Credit UnionShare Certificate AccountCD · 84 months · $500 min · 2.02%–2.78% by balance
Credit union · 6 branches
2.02%APY$1,503 over 84 months on $10,000Requirements
Product: Minimum $500 opening deposit. No monthly fee. Add-on feature available at any time as long as total of deposits does not exceed original opening deposit. Early withdrawals may be subject to penalties (less than 1 year: forfeiture of up to 90 days dividends; 12 months or greater: up to 180 days; 60 months or greater: up to 365 days) and reduce earnings. For certificates with terms of 12 months or more, dividend rate bump option allows one dividend adjustment during the term to the dividend rate of a certificate of the same term.
2.00% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Share Certificate Account Balance APY $500 – $49,999Your amount 2.02% $50,000 and upMini-Jumbo 2.02% $100,000 and upJumbo 2.38% $200,000 and upSuper-Jumbo 2.78% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 8 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - Farmers & Merchants BankCertificates of Deposit (CDs)CD · 36 months · $1,000 min · 1.26%–2.78% by balance
Bank · 1 branch
1.26%APY$383 over 36 months on $10,000Requirements
Product: Interest is compounded and credited monthly and remains on deposit until maturity. Fixed rates. Early withdrawal penalty applies.
1.25% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $100,000Your amount 1.26% $100,000 – $500,000 2.27% $500,000 and up 2.78% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.15%APY$26 over 21 months on $10,000
Requirements
Product: At one time during the 21-month term, you may choose to reset the interest rate to the prevailing You Choose CD rate for the rest of your term. Penalty for early withdrawal applies.
Offer: Term is 21 months. One rate adjustment allowed during term to prevailing rate.
0.15% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 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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Find your bank or credit union to see all its rates and how they compare near you.
Santa Maria, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First BankBank · 3 branches
- CoastHills Credit UnionCredit union · 6 branches
- Santa Barbara County Federal Credit UnionCredit union · 1 branch