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 196–210 results in California
- 3.75%APY
Requirements
Product: Available for consumer and business accounts. Rates and APYs are fixed for the initial term and depend on the balance tier and maturity term selected. Simple interest is earned for terms of 365 days or less (366 days in a leap year); interest compounds annually for terms longer than 365 days unless paid out. Early withdrawal penalties apply.
Offer: Term: 365 Days - 395 Days. Must maintain minimum opening balance daily to earn stated APY.
3.75% interest rate · Effective Apr 15, 2024
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Effective Oct 1, 2025
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More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Membership required. Minimum opening deposit starts at $500. Dividends paid quarterly and remain on deposit until maturity. Penalty may be imposed for early withdrawal.
3.70% interest rate · Effective Sep 4, 2026
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More details - Valley Strong Credit UnionPromotional CertificateCD · 13 months · $1,000 min
Credit union · 28 branches
3.75%APY$407 over 13 months on $10,000intro rateRequirements
Product: $1,000 minimum opening deposit. New money must be deposited to obtain promotional rate (funds not currently on deposit with Valley Strong Credit Union). After initial 13-month term, funds will automatically renew into a traditional 12 month certificate. Penalties may be assessed for early withdrawal. Fees may reduce earnings. Not valid for IRA accounts. Valley Strong Membership is required. Offer may be withdrawn at any time.
Offer: The 13-month certificate offer is effective starting 10/01/26. 3.75% APY is based on a dividend rate of 3.687%. $1,000 minimum opening deposit of new money required. Automatically renews into a 12-month traditional certificate. Not valid for IRA accounts. Early withdrawal penalties may apply. Valley Strong Membership required.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
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More details - 3.75%APY$471 over 15 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
3.75% interest rate · Effective Sep 24, 2026
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More details - OneUnited BankUNITY 15 Month E-CDCD · 15 months · $500 min · 3.00%–3.75% by balance
Bank · 2 branches
3.75%APY$471 over 15 months on $10,000Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
3.00% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for UNITY 15 Month E-CD Balance APY $500 – $10,000 3.00% $10,000 and upYour amount 3.75% $250,000 and up 3.75% Rate checked
More details - Sun Community Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · 8 branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: Fixed rate. Interest is compounded and credited monthly.
Offer: Early withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more.
3.69% interest rate · Effective Oct 7, 2026
Rate checked
More details - 3.75%APY$764 over 24 months on $10,000intro rate
Requirements
Product: Renews as a 24-month certificate at the available rate at that time. No maximum deposit. Early withdrawal penalties apply.
Offer: Renews as a 24-month certificate. No maximum deposit.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
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More details - 3.75%APY$764 over 24 months on $10,000
Requirements
Product: Dividends compounded and credited monthly and at maturity. Fixed rates. Premature withdrawal penalties apply (6-month term: 90 days' dividends; 1-year and 2-year terms: 180 days' dividends). Automatic renewal with a 10-calendar-day grace period. Additional deposits not allowed. Minimum withdrawal amount $1,000.
Offer: Fixed rate for 2-year term; early withdrawal penalty is 180 days' dividends
3.69% interest rate
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More details - 3.75%APY$764 over 24 months on $10,000
Requirements
Product: Dividends paid quarterly on the last day of each quarter. Early withdrawal penalties apply (for qualifying period of one year or less, forfeit 90 days dividends on amount withdrawn; for more than one year, forfeit 180 days dividends).
Offer: Dividends paid quarterly.
3.70% interest rate · Effective May 1, 2026
Rate checked
More details - County Schools Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 2 branches
3.75%APY$2,021 over 60 months on $10,0003.69% interest rate · Effective Oct 16, 2026
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More details - Central Valley Firefighters Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · 1 branch
3.71%APY$756 over 24 months on $10,000Requirements
Product: Fixed rate dividend. Minimum opening balance and minimum balance to earn dividends is $1,000.
Offer: Fixed rate. Minimum to earn dividend is $1,000.
3.65% interest rate · Effective Oct 1, 2026
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More details - Interfaith Federal Credit UnionCertificate AccountsCD · 6 months · $1,000 min · 3.70%–3.80% by balance
Credit union · 1 branch
3.70%APY$183 over 6 months on $10,000Requirements
Product: Dividends are paid quarterly. Liquid Certificate is available for 6-month term. Unlimited deposits and 2 penalty-free withdrawals May be subject to new money requirements.
Offer: Dividends paid quarterly.
3.63% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 – $4,999 3.70% $5,000 – $14,999Your amount 3.70% $15,000 – $29,999 3.75% $30,000 – $49,999 3.75% $50,000 – $99,999 3.80% $100,000 and up 3.80% Rate checked
More details - 3.70%APY$214 over 7 months on $10,000
Requirements
Product: Logix membership required. Fixed rate for term. Dividends earned daily, compounded monthly. No monthly fees. Early withdrawal penalty applies. Auto-renews as a standard 6-Month Certificate at the rate in effect.
Offer: Base Rate APY across tiers. Min opening deposit and min balance to earn APY is $5,000.
Compounded monthly · Effective Oct 16, 2026
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More details - Parishioners Federal Credit UnionShare Certificate AccountsCD · 12 months · $100 min
Credit union · 1 branch
3.66%APY$366 over 1 year on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. No fees. Penalty may apply for early withdrawal. Minimum opening deposit is $100.
3.60% interest rate · Compounded daily
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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 California
2,320 CDs at 260 banks and credit unions · checked Oct 16–23
- Typical
- 3.15%
- Top 10% from
- 4.00%
- Banks, typical
- 2.46%
- Credit unions, typical
- 3.25%
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Find your bank or credit union to see all its rates and how they compare near you.
California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches