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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 Oakland, CA
- Provident Credit UnionVariable Rate Add-On CertificateCD · 24 months · $500 min · 3.80%–3.90% by balance
Credit union · 1 branch
3.80%APY$774 over 24 months on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Variable rates are subject to change anytime at the discretion of the Board of Directors. Dividend declaration date is the last day of the dividend period. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term.
Offer: Variable rate. Can add deposits of any amount anytime up to $1,000,000.
3.74% interest rate
Rate by balance
Rate by balance for Variable Rate Add-On Certificate Balance APY $500 and upYour amount 3.80% $50,000 and up 3.85% $100,000 and up 3.90% Rate checked
More details - Provident Credit UnionBump-Up CertificatesCD · 24 months · $1,000 min · 3.80%–3.90% by balance
Credit union · 1 branch
3.80%APY$774 over 24 months on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Rate can be increased one time during certificate term to the current Bump-Up Certificate rate with that same term. Early withdrawal penalties apply.
Offer: One bump-up allowed during term to current rate.
3.74% interest rate
Rate by balance
Rate by balance for Bump-Up Certificates Balance APY $1,000 and upYour amount 3.80% $50,000 and up 3.85% $100,000 and up 3.90% Rate checked
More details - 3.75%APY$186 over 6 months on $10,000intro rate
Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Limited time offer. Dividend rates are fixed for the term of the certificate and not subject to tiered rates. Deposits cannot be added once opened. Institutional deposits are not eligible. Renewals at maturity to the same term at the fixed rate in effect. Early withdrawal penalty applies.
Offer: Limited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible.
Promotional rate · 3.69% interest rate
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 - 3.75%APY$312 over 10 months on $10,000with conditions
Requirements
Product: Requires corresponding Fremont Bank Checking account open and in good standing at the time of account opening. Initial Deposit must be from a Financial Institution other than Fremont Bank; new money. If opening in combination with funds already on deposit at Fremont Bank, $50,000 or more in new money is required. Checking account may be opened concurrently with Promotional CD account. Limit one promotional account per household. Substantial penalty for early withdrawal. Unless notified, at maturity Promotional CD accounts automatically renew into standard CD accounts (4-Month into 3-Month, 7-Month into 6-Month, 10-Month into 9-Month, 11-Month and 13-Month into 12-Month).
Offer: Automatically renews into a standard 9-Month CD.
Qualified rate · 3.69% interest rate · Balance cap $1,000,000 · Effective Oct 15, 2026
Rate checked
More details - 3.55%APY$723 over 24 months on $10,000with conditions
Requirements
Offer: Requires Secure Checking or Silver Express account for an additional 0.25% boost
Qualified rate · 3.50% interest rate · Effective Jan 7, 2026
Rate checked
More details - ILWU Credit UnionCertificatesCD · 6 months · $1,000 min · 3.50%–3.80% by balance
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Tiered balance ranges from $1,000 up to $100,000. Dividends paid quarterly or at maturity into the account of choice (or monthly and at maturity per rate table). Early withdrawal penalties may apply.
Offer: Tier 1
3.45% interest rate · Effective Jun 17, 2024
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $25,000Your amount 3.50% $25,000 – $50,000Tier 2 3.60% $50,000 – $100,000Tier 3 3.70% $100,000 and upTier 4 3.80% Rate checked
More details - 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 - 3.30%APY$246 over 9 months on $10,000
Requirements
Product: Interest compounded and credited monthly. Substantial penalty for early withdrawal. Unless notified, accounts automatically renew at maturity.
3.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - Provident Credit UnionDeferred Dividend CertificateCD · 12 months · $500 min · 3.30%–3.50% by balance
Credit union · 1 branch
3.30%APY$330 over 1 year on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Dividends paid at maturity and compounded annually. Deposits cannot be added to this certificate once opened.
Offer: Dividends paid at maturity and compounded annually. Deposits cannot be added once opened.
3.25% interest rate · Compounded annually
Rate by balance
Rate by balance for Deferred Dividend Certificate Balance APY $500 and upYour amount 3.30% $50,000 and up 3.40% $100,000 and up 3.50% 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 - Provident Credit UnionFixed Rate Add-On CertificateCD · 12 months · $250 min · 3.20%–3.40% by balance
Credit union · 1 branch
3.20%APY$320 over 1 year on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting your term. Deposits that bring the balance over $1,000,000 are at the discretion of management.
Offer: Can add deposits of any amount anytime up to $1,000,000.
3.15% interest rate
Rate by balance
Rate by balance for Fixed Rate Add-On Certificate Balance APY $250 and upYour amount 3.20% $50,000 and up 3.30% $100,000 and up 3.40% Rate checked
More details - 3.20%APY$347 over 13 months on $10,000
Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Minimum withdrawal $500, minimum balance $5,000. Withdrawals must be made in person at a branch or by calling (800) 632-4600. Withdrawals allowed without penalty every 7 calendar days, maximum of 3 withdrawals per month. No dividends paid on balances below balance minimum.
Offer: Minimum withdrawal $500. Withdrawals allowed without penalty every 7 calendar days, max 3 withdrawals/month. In-person or phone withdrawal required.
3.15% interest rate
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 - 3.05%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
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 Oakland, CA
285 CDs at 21 banks and credit unions · checked Oct 4–22
- Typical
- 2.00%
- Top 10% from
- 3.92%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.40%
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San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches