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 El Cajon, CA
- 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 - San Diego County Credit UnionPromotional CertificateCD · 15 months · $2,000 min
Credit union · 1 branch
3.25%APY$408 over 15 months on $10,000intro rateRequirements
Product: Deposits by foundations (i.e., nonprofit organizations, charities, etc.) are not eligible. Not available for chartered financial institutions or accounts. Deposits using cryptocurrencies are not eligible. Institutional deposits are limited to $2 million per chartered retail financial institution (excluding digital assets) and only available to retail financial institutions with less than $1 billion in total assets as of March 31, 2026. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty applies.
Offer: Upon maturity, the 15-month certificate will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. Available online and in-branch. Early withdrawal penalty: 180 days' dividends.
Promotional rate · 3.20% interest rate · Effective Sep 16, 2026
Rate checked
More details - East County Schools Federal Credit UnionCertificate (CD) SharesCD · 60 months · $1,000 min · 3.14%–3.30% by balance
Credit union · 1 branch
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Minimum investment is $1,000. Certificates automatically renew at maturity at a like term at the current rate. Early withdrawal penalty applies: up to 12 months is 90 days of dividends earned; over 12 months is 180 days of dividends earned.
Offer: Early withdrawal penalty: all dividends earned up to 180 days.
3.10% interest rate · Effective May 1, 2025
Rate by balance
Rate by balance for Certificate (CD) Shares Balance APY $1,000 and up 3.14% $10,000 and upYour amount 3.25% $50,000 and up 3.30% 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 - Mission Fed Credit UnionStandard CertificatesCD · 6 months · $2,000 min · 3.05%–3.15% by balance
Credit union · 1 branch
3.10%APY$154 over 6 months on $10,000intro rateRequirements
Product: Must meet membership and account criteria. Certificate accounts with a specific term earn opening APY until end of term. APYs assume dividends remain on deposit until maturity. Penalties apply for early withdrawals.
Promotional rate
Rate by balance
Rate by balance for Standard Certificates Balance APY $2,000 and up 3.05% $10,000 and upYour amount 3.10% $100,000 and up 3.15% Rate checked
More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
Rate checked
More details - California Coast Credit Union8 Month Liquid CertificateCD · 8 months · $1,000 min
Credit union · 1 branch
3.00%APY$199 over 8 months on $10,000intro rateRequirements
Product: One penalty-free withdrawal of $1,000 or more allowed after the first 7 days, as long as the withdrawal leaves a balance of $1,000 or more or closes the certificate. Additional deposits of $1,000 or more may be made at any time. Excludes IRAs and requires new money only. Automatically renews at maturity into an 8-Month Certificate at prevailing rate. $5 one-time membership fee and savings account required for membership.
Offer: Requires new money only. Excludes IRAs. Additional deposits of $1,000 or more allowed at any time. One penalty-free withdrawal after first 7 days leaving $1,000 balance or closing account.
Promotional rate · 2.96% interest rate · Effective Oct 6, 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 - California Coast Credit UnionPrimary CertificateCD · 60 months · $1,000 min · 1.00%–2.65% by balance
Credit union · 1 branch
2.65%APY$1,397 over 60 months on $10,000Requirements
Product: Terms from 3 months to 5 years. Compounded and credited monthly. Daily balance method. Early withdrawal penalties apply. $5 one-time membership fee and savings account required for membership.
1.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Primary Certificate Balance APY $1,000 – $10,000 1.00% $10,000 – $50,000Your amount 2.65% $50,000 – $90,000 2.65% $90,000 and up 2.65% Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - East County Schools Federal Credit UnionBump Rate CertificatesCD · 15 months · $10,000 min
Credit union · 1 branch
2.48%APY$311 over 15 months on $10,000Requirements
Product: Allows for a one-time option during the original term to: bump the rate to the current rate being offered for this product; and/or bump the term for up to three (3) additional months; and/or bump the principal deposit balance by making an additional deposit (minimum of $1,000 with a maximum total principal deposit of $100,000, inclusive of the original opening deposit). Early withdrawal penalty applies: terms up to 12 months lose all dividends earned up to 90 days; terms over 12 months lose all dividends earned up to 180 days.
Offer: One-time option during original term to bump rate, bump term up to 3 additional months, and/or bump principal deposit (min $1,000, max total $100,000). Early withdrawal penalty: all dividends earned up to 180 days.
2.45% interest rate · Balance cap $100,000 · Effective May 1, 2025
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 3 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 - 1.75%APY$264 over 18 months on $10,000
Requirements
Product: Minimum opening deposit: $2,000 for long-term certificates. Additional funds cannot be added during the term. APYs assume dividends remain in the account until maturity. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty: 90 days' dividends for terms of 1 year or less, 180 days' dividends for terms greater than 1 year.
Offer: Early withdrawal penalty: 180 days' dividends.
1.74% interest rate · Effective Oct 5, 2026
Rate checked
More details - California Coast Credit Union18 Month Bump Rate CertificateCD · 18 months · $1,000 min · 0.40%–0.55% by balance
Credit union · 1 branch
0.50%APY$75 over 18 months on $10,000Requirements
Product: Allows one rate bump during the term at owner's request if rates rise; new rate remains in effect until maturity. Additional deposits allowed at any time during the term. Minimum deposit and balance to earn dividends is $1,000. $5 one-time membership fee and savings account required for membership.
Offer: Allows one rate bump during term. Additional deposits allowed anytime.
0.39% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for 18 Month Bump Rate Certificate Balance APY $1,000 – $10,000 0.40% $10,000 – $50,000Your amount 0.50% $50,000 – $90,000 0.55% $90,000 and up 0.55% 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 El Cajon, CA
253 CDs at 18 banks and credit unions · checked Oct 4–22
- Typical
- 2.00%
- Top 10% from
- 3.75%
- Banks, typical
- 0.50%
- Credit unions, typical
- 2.99%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches