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 1–15 results in Stockton, CA metro
- 4.33%APY$433 over 1 year on $10,000intro rate
Requirements
Product: Minimum opening balance and minimum balance to earn dividends is $1,500. Fixed Certificates dividends are calculated daily and paid monthly. Variable Certificates dividends are calculated and compounded daily, posted monthly. Substantial early withdrawal penalties apply to Share Certificates. Fees may reduce earnings.
Offer: The Variable Rate 12-Month Share Certificate is a variable rate account that is tied to the Treasury Bill 6-month auction average rate, rounded down to the nearest quarter percent and adjusted quarterly. Rates subject to change after account is opened. Dividends paid monthly. Dividends are calculated and compounded daily, posted monthly.
Promotional rate · 4.25% interest rate · Compounded daily
Rate checked
More details - Golden 1 Credit Union9-Month New Money Term Savings CertificateCD · 9 months · $500 min
Credit union · 3 branches
4.30%APY$321 over 9 months on $10,000intro rateRequirements
Product: This special 9-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. The APY is based on an assumption that principal and dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal.
Offer: Can only be opened in-branch or by phone and funded with new money.
Promotional rate · 4.22% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 7 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.20%APY$600 over 17 months on $10,000
Requirements
Product: There is no minimum balance required to earn the stated APY. The minimum opening deposit for a regular certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.
Offer: Limited-Time Special.
4.12% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Golden 1 Credit Union10-Month New Money Term Savings CertificateCD · 10 months · $500 min
Credit union · 3 branches
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 · 3 branches
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 - Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min
Credit union · 3 branches
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 - Valley First Credit UnionSpecial Premium CertificatesCD · 5 months · $10,000 min
Credit union · 1 branch
4.00%APY$165 over 5 months on $10,000intro rateRequirements
Product: Limited-time special certificate. Requires $10,000 minimum deposit with 50% in new money (funds not on deposit at Valley First Credit Union in the 30 days prior to certificate opening). Must have a Valley First primary share account. At maturity, rolls over to a 6-Month Premium Certificate unless changed during the 10-day grace period.
Offer: Requires 50% of opening deposit in new money.
Promotional rate · 3.93% interest rate · Effective Sep 7, 2026
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 - Central State Credit Union18 Month New Money CertificateCD · 18 months · $1,000 min · 4.00%–4.25% by balance
Credit union · 3 branches
4.00%APY$606 over 18 months on $10,000intro rateRequirements
Product: Requires new money deposit. Early withdrawal penalty may apply.
Offer: New money requirement
Promotional rate · 3.93% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 18 Month New Money Certificate Balance APY $1,000 – $49,999Your amount 4.00% $50,000 – $99,999 4.15% $100,000 and up 4.25% 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 - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% 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 Stockton, CA metro
260 CDs at 18 banks and credit unions · checked Oct 6–22
- Typical
- 1.80%
- Top 10% from
- 3.98%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.10%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Stockton, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Certified Federal Credit UnionCredit union · 1 branch
- Self-Help Federal Credit UnionCredit union · 3 branches
- CitiBank · 1 branch