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 Bakersfield, CA
- 3.25%APY$243 over 9 months on $10,000intro rate
Requirements
Product: Special only with New Money. For a limited time.
Offer: Only with New Money. For a limited time.
Promotional rate
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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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$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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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
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More details - 2.00%APY$404 over 24 months on $10,000
2.00% interest rate
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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 - 1.51%APY$460 over 36 months on $10,000
Requirements
Product: Offering a fixed rate of return. Early withdrawal penalties may apply. There is a 10-day grace period after maturity to make changes/withdrawals with no penalty. Federally insured up to $250,000.
Offer: Rates are variable and may change after the account is opened. Fees may reduce earnings.
1.50% interest rate · Effective Mar 1, 2026
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More details - 0.75%APY$381 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Membership eligibility applies (anyone who lives, works, or attends an educational or religious institution within Kern County).
0.75% interest rate · Effective Oct 1, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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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 - 0.10%APY$25 over 30 months on $10,000intro rate
Requirements
Offer: Months 21-30
Promotional rate · 0.15% interest rate · Effective Oct 22, 2026
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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 - Valley Strong Credit UnionSimple Saver CertificateCD · 12 months · $25 min
Credit union · 14 branches
0.05%APY$5 over 1 year on $10,000Requirements
Product: A minimum of $25 must be deposited monthly to the Simple Saver Certificate through some form of automated transaction (e.g. payroll deduction or automatic transfer). Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Rates are variable and may change after the account is opened. Fees may reduce earnings.
0.05% interest rate · Effective Mar 1, 2026
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
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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 Bakersfield, CA
211 CDs at 15 banks and credit unions · checked Oct 6–22
- Typical
- 1.02%
- Top 10% from
- 3.98%
- Banks, typical
- 0.38%
- Credit unions, typical
- 3.20%
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Find your bank or credit union to see all its rates and how they compare near you.
Bakersfield, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Desert Valleys Federal Credit UnionCredit union · 1 branch
- Firefighters First Credit UnionCredit union · 1 branch
- Self-Help Federal Credit UnionCredit union · 2 branches