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 226–240 results in California
- Los Angeles Police Federal Credit UnionTerm Share CertificatesCD · 60 months · $500 min · 3.60%–3.70% by balance
Credit union · 4 branches
3.60%APY$1,934 over 60 months on $10,000intro rateRequirements
Product: Deposits are federally insured up to $250,000 by NCUA. Available to sworn and civilian law enforcement personnel and family members in Southern California.
Offer: Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply.
Promotional rate · Effective Mar 2, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $49,999Your amount 3.60% $50,000 – $99,999Jumbo tier. 3.65% $100,000 and upSuper Jumbo tier. 3.70% Rate checked
More details - 3.59%APY$268 over 9 months on $10,000intro rate
Requirements
Product: Membership with Tucoemas is required. Early withdrawal penalties may apply. Renewals are automatic. Additional deposits are not allowed. Dividends compounded and credited monthly.
Offer: APY remains fixed for the 9-month term. Promotional share certificate does not automatically renew; at maturity full balance transfers to Regular Savings Share.
Promotional rate · Effective Nov 1, 2025
Rate checked
More details - Inland Valley Federal Credit UnionCertificateCD · 60 months · $500 min · 3.55%–3.61% by balance
Credit union · 1 branch
3.57%APY$1,917 over 60 months on $10,000Requirements
Product: Must meet field of membership requirements, pay a one-time membership fee, and maintain a regular share savings account. Must maintain specified minimum daily balance to earn stated APY.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and up 3.55% $10,000 and upYour amount 3.57% $50,000 and up 3.59% $90,000 and up 3.61% Rate checked
More details - TruGrocer Federal Credit UnionMoney Market Share CertificateCD · 6 months · $10,000 min
Credit union · 1 branch
3.56%APY$176 over 6 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $10,000 with terms up to 60 months.
3.50% interest rate · Compounded monthly
Rate checked
More details - 3.56%APY$266 over 9 months on $10,000with conditions
Requirements
Product: Fixed interest rate for the term. Interest compounded daily. Variable terms from 3 to 60 months. Minors (age 12-17) eligible with parent/guardian (age 18+). 10-day grace period for penalty-free withdrawals upon automatic renewal.
Offer: CD Special. Earn up to 3.56% APY with a Banner's Best Checking account (current owners earn 0.25% over posted rates; account must be active at renewal). Interest compounds daily and is credited at maturity. On the first maturity date after promotion ends, changes to a standard 6-month fixed rate CD.
Qualified rate · Compounded daily · Effective May 1, 2026
Rate checked
More details - 3.56%APY$356 over 1 year on $10,000
Requirements
Product: APY assumes dividends remain in account until maturity. Every $25 deposit (up to 100 entries per month) earns entry into monthly and quarterly prize drawings up to $5,000. Early withdrawal incurs a penalty fee, with a limit of one withdrawal per 12-month term.
Offer: Limit of one withdrawal per 12-month term with penalty fee. Prize drawing entries for each $25 deposit.
3.50% interest rate
Rate checked
More details - SESLOC Credit UnionBuilding Block Add-On Share CertificateCD · 12 months · $250 min
Credit union · 6 branches
3.56%APY$356 over 1 year on $10,000Requirements
Product: APY assumes dividends remain in account until maturity. Additional deposits of $25 or more are permitted anytime during the 1-year term. Dividends compound monthly. Early withdrawal penalties may apply.
Offer: Additional deposits of $25 or more permitted anytime during term.
3.50% interest rate
Rate checked
More details - SeaWest Coast Guard Federal Credit UnionTerm Share CertificateCD · 60 months · $500 min · 3.56%–3.61% by balance
Credit union · 2 branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Rates are subject to change without notice. Early withdrawal penalty is equal to 30 to 90 days of dividends on funds withdrawn prior to maturity. Federally insured up to $250,000.
Offer: Funds may be added one time during the term if certificate purchased on or after June 1, 2019. A one-time rate bump-up is included for certificates with terms of 24 months or longer and a minimum balance of $2,500 to the current rate being offered for the same term.
3.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $49,999Your amount 3.56% $50,000 and up 3.61% Rate checked
More details - Greater Valley CUShare CertificatesCD · 60 months · $1,000 min · 3.56%–3.66% by balance
Credit union · 1 branch
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Automatically renews at the end of term. Grace period of seven (7) days after maturity date to deposit, withdraw or change terms. Dividends compounded monthly. Penalties for early withdrawals.
3.50% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $50,000Your amount 3.56% $50,000 and up 3.66% Rate checked
More details - 3.55%APY$537 over 18 months on $10,000intro rate
Requirements
Product: Membership required. Dividends must remain on deposit until maturity to earn stated APY. Additional deposits or withdrawals are not permitted until maturity.
Offer: Special promotional rate offer for 18 months. Membership required. Not available for corporate accounts. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 24-month Certificate.
Promotional rate · 3.49% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Certified Federal Credit UnionJumbo Share CertificatesCD · 6 months · $10,000 min
Credit union · 11 branches
3.55%APY$176 over 6 months on $10,000Requirements
Product: Penalties may apply for early withdrawals. Higher minimum balance requirement in exchange for higher annual yield.
Offer: Penalties may apply for early withdrawals.
3.49% interest rate · Effective Feb 6, 2026
Rate checked
More details - Sun Pacific Federal Credit UnionShare Certificate AccountsCD · 6 months · 3.35%–3.55% by balance
Credit union · 1 branch
3.55%APY$176 over 6 months on $10,000Effective Apr 21, 2026
Rate by balance
Rate by balance for Share Certificate Accounts Balance APY Up to $10,000 3.35% $10,000 and upYour amount 3.55% Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: Lock in a fixed rate for the term of your certificate. A penalty will or may be imposed for early withdrawal.
Offer: Fixed Rate. A penalty will or may be imposed for early withdrawal.
3.50% interest rate · Effective Apr 29, 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
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