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 211–225 results in California
- Educational Employees Credit UnionShare CertificatesCD · 36 months · $500 min · 3.61%–3.76% by balance
Credit union · 22 branches
3.66%APY$1,139 over 36 months on $10,000Requirements
Product: Fixed dividend rate for the entire term; early withdrawal penalties may apply. Funds insured by NCUA. Share certificates can be opened online/mobile. Additional deposits after opening are not permitted.
3.55% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 3.61% $10,000 and upYour amount 3.66% $50,000 and up 3.71% $100,000 and up 3.76% Rate checked
More details - Diablo Valley Federal Credit UnionShare CertificateCD · 3 months · $1,000 min · 3.40%–3.65% by balance
Credit union · 1 branch
3.65%APY$90 over 3 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal.
Offer: 90 Day Certificate Special. $100,000 per member maximum. Limit one certificate special per member, regardless of the number of accounts.
Promotional rate · 3.35% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $10,000 3.40% $10,000 – $100,000Your amount 3.65% Rate checked
More details - 3.65%APY$90 over 3 months on $10,000intro rate
Requirements
Product: Minimum opening balance of $1,000 in new-to-Tech CU money (funds external to Tech CU within preceding 21 days). Unlimited new-to-Tech CU deposits allowed. One penalty-free withdrawal per calendar month permitted six days after opening, provided withdrawals are more than six days apart and minimum $1,000 balance is maintained.
Offer: Deposit and maintain minimum $1,000 new-to-Tech CU money.
Promotional rate · 3.60% interest rate · Effective Sep 1, 2026
Rate checked
More details - Eagle Community Credit Union10-Month Stretch CertificateCD · 10 months · $1,000 min
Credit union · 6 branches
3.65%APY$303 over 10 months on $10,000intro rateRequirements
Product: During the fifth month of the 10-month term, the member may elect one time to adjust the dividend rate to the then-current published 10-Month Stretch Certificate rate, provided the rate is higher than the original rate. If adjusted, the certificate term will automatically extend an additional five months, resulting in a 15-month certificate. At maturity it will automatically renew into another 10-month certificate. Early withdrawal penalties apply.
Offer: Promotional 10-Month Stretch Share Certificate. During month 5, member may elect one time to adjust the rate if higher, extending term by 5 months to 15 months.
Promotional rate · 3.59% interest rate
Rate checked
More details - Mirastar Federal Credit UnionTerm Share CertificateCD · 24 months · $500 min
Credit union · 7 branches
3.65%APY$743 over 24 months on $10,000Requirements
Product: Certificate accounts are subject to membership eligibility, terms, and fees. Early withdrawal penalty applies. Minimum opening balance to receive APY is $500. Automatically renews at maturity to existing term and certificate fixed rate unless withdrawn at maturity or within 6-day grace period. Earnings paid quarterly.
Offer: Fixed rate. Early withdrawal penalty applies. Automatic renewal at maturity.
3.60% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: No fees to open or maintain your account. Dividends earned daily and compounded quarterly. Early withdrawal penalties apply.
Offer: APY paid at maturity only. Early withdrawal penalty applies.
Compounded quarterly · Effective Jul 1, 2026
Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: Certificate rates remain fixed for term. Dividends credited and compounded monthly. Insured by NCUA up to $250,000. Early withdrawal penalties apply.
3.59% interest rate · Compounded monthly
Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates. Can be used to secure a Certificate Secured Loan.
3.59% interest rate · Effective Apr 27, 2026
Rate checked
More details - Corrections Federal Credit UnionShare Certificate (Certificate of Deposit)CD · 3–36 months · $1,000 min
Credit union · 1 branch
3.60%APYRequirements
Product: Certificates earn dividends at higher rates than share savings accounts and money market accounts, but require funds to be locked in for a predetermined maturity period. Dividends are paid at maturity.
Offer: APY is stated as 'as high as 3.60%'. Terms offered range from 3 months to 36 months with a minimum deposit of $1,000. Dividends paid at maturity.
Effective Nov 8, 2024
Rate checked
More details - 3.60%APY$208 over 7 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.53% interest rate · Effective Oct 14, 2026
Rate checked
More details - CommonWealth Central Credit Union11 Mos. Welcome CertificateCD · 11 months · $500 min
Credit union · 4 branches
3.60%APY$330 over 11 months on $10,000intro rateRequirements
Product: For new members only and must be opened within 15 days of membership. Funds must not currently be deposited with CommonWealth. Single-term certificate that will not automatically renew at maturity; funds transfer to Regular Share Account at maturity. Limit one Welcome Share Certificate per member; cannot be combined with any other Special Share Certificate. After opening, no additional deposits allowed.
Offer: New members only, must be opened within 15 days of membership. Maximum deposit limit is $250,000. Single term; does not automatically renew.
Promotional rate · 3.54% interest rate · Balance cap $250,000 · Effective Sep 4, 2026
Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 2 branches
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
Rate checked
More details - 3.60%APY$733 over 24 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.54% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.60%APY$924 over 30 months on $10,000
Requirements
Product: Rate Increase Option allows increasing interest rate and APY one time during term if rates increase. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
Offer: Allows one rate increase during term if applicable interest rates increase.
3.54% interest rate · Effective Oct 22, 2026
Rate checked
More details - Mission City Federal Credit UnionCertificatesCD · 36 months · $2,500 min · 3.60%–3.65% by balance
Credit union · 1 branch
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Penalties may be applied for early withdrawals.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates Balance APY $2,500 and upYour amount 3.60% $100,000 and up 3.65% 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 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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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