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 Ontario, CA
- 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Rates as of 10/7/2026 in header; disclosure states accurate as of 08/04/2026. Minimum opening deposit and balance to obtain APY is $500.00. Additional bonus dividends available for Signature and Platinum Signature members.
Offer: Platinum Signature Member tier; 60 months.
3.92% interest rate
Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Terms from 3 to 60 months. Dividends paid monthly and may be added to certificate or paid out to another Vida account. Upon maturity, 7 calendar day grace period to renew, change terms/balance, or withdraw without penalty; otherwise auto-renews at prevailing rate. Early withdrawal penalties apply. $0 monthly fee.
Offer: Early withdrawal penalty 180 days of dividends. Dividend rate 3.92%.
3.92% interest rate · Effective Sep 1, 2026
Rate checked
More details - UPS Employees Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends are compounded and paid monthly. 10-day grace period at maturity; automatically renews into the same certificate term. Early withdrawal penalties apply. Youth certificates allow unlimited deposits.
3.92% 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 - 3.30%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$609 over 24 months on $10,000
Requirements
Product: A donation of 2% of opening deposit will be made to selected organization over 12 months for opening online. Donation is not tax-deductible. Early withdrawal subject to penalty and forfeits remaining donation.
Offer: Available online. 2% of opening deposit donated to selected organization (CA Wildfire Relief, Center for Financial Empowerment, The Los Angeles Charges Impact Fund, YMCA of Metropolitan Los Angeles, or Youth in Foster Care) over 12 months. This donation is not tax-deductible. Early withdrawal subject to penalty and forfeits remaining donation.
2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$927 over 36 months on $10,000
Requirements
Offer: Dividends paid monthly (rate) or annually and at maturity (APY).
2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - First Financial Credit UnionRelationship Share CertificateCD · 12 months · $500 min
Credit union · 1 branch
2.85%APY$285 over 1 year on $10,000with conditionsRequirements
Product: Must have an FFCU Checking Account and Online Banking to open and earn additional dividends. Qualifying relationship products/services under the same account number increase dividend yield up to a maximum of 4 electives (categories: active debit cards, credit cards, SuperSavers, IRAs, Auto Loans, and Real Estate Loans).
Offer: +4 relationship products. Dividends paid annually and at maturity.
Qualified rate · 2.85% interest rate · Effective Oct 1, 2026
Rate checked
More details - First Financial Credit UnionAloha Share CertificateCD · 12 months · $2,500 min
Credit union · 1 branch
2.75%APY$275 over 1 year on $10,000with conditionsRequirements
Product: Must be opened with new money only (funds from non-First Financial sources/outside bank accounts) and require an active Checking account with Online Banking.
Offer: New money only; active Checking account with Online Banking required. Dividends paid annually and at maturity.
Qualified rate · 2.75% interest rate · Effective Oct 1, 2026
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 - 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 - Ontario Public Employees FCUCertificate RatesCD · 12 months · $2,500 min · 0.55%–0.85% by balance
Credit union · 1 branch
0.65%APY$65 over 1 year on $10,000Requirements
Product: Dividend rates are fixed for the term of the certificate. A penalty is applied for early withdrawal. Member accounts insured by NCUSIF up to $250,000.00.
0.55% interest rate · Effective Oct 17, 2022
Rate by balance
Rate by balance for Certificate Rates Balance APY $2,500 and up 0.55% $10,000 and upYour amount 0.65% $25,000 and up 0.75% $50,000 and up 0.85% 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
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 Ontario, CA
280 CDs at 16 banks and credit unions · checked Oct 6–22
- Typical
- 2.48%
- Top 10% from
- 4.00%
- Banks, typical
- 0.13%
- Credit unions, typical
- 3.23%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Riverside, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Thinkwise Credit UnionCredit union · 2 branches
- CU SoCalCredit union · 4 branches