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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.

Term
Location

Top CD rates

Showing 271–285 results in California

  1. Valley18-Month Certificate of DepositCD · 18 months · $500 min

    Bank · 3 branches

    3.45%APY$522 over 18 months on $10,000
  2. Top Carrot, Carrot Score 95
    Sage Credit UnionIndexed Share CertificateCD · 36 months · $3,000 min

    Credit union · 1 branch

    3.45%APY$1,071 over 36 months on $10,000
  3. Top Carrot, Carrot Score 87
    USPS Federal Credit UnionShare CertificatesCD · 60 months · $250 min

    Credit union · 1 branch

    3.45%APY$1,848 over 60 months on $10,000
  4. Columbia BankCertificate of DepositCD · 6 months · $1,000 min

    Bank · 102 branches

    3.40%APY$169 over 6 months on $10,000
  5. Kings Federal Credit Union6 Month CertificateCD · 6 months · $1,000 min · 3.40%–3.51% by balance

    Credit union · 2 branches

    3.40%APY$169 over 6 months on $10,000
  6. Kings Federal Credit UnionMini Jumbo 10 MonthCD · 10 months · $10,000 min

    Credit union · 2 branches

    3.40%APY$283 over 10 months on $10,000
  7. Amalgamated BankCDsCD · 12 months · $500 min

    Bank · 1 branch

    3.40%APY$340 over 1 year on $10,000
  8. Sheet Metal Workers Local 104 Federal Credit Union14-Month Certificate of DepositCD · 14 months · $1,000 min

    Credit union · 1 branch

    3.40%APY$398 over 14 months on $10,000intro rate
  9. BAC Community BankStandard Certificates of Deposit (CDs)CD · 11 months · $2,500 min · 3.35%–3.71% by balance

    Bank · 8 branches

    3.35%APY$307 over 11 months on $10,000
  10. Employees Choice FCUShare CertificateCD · 12 months · $1,000 min · 3.30%–3.35% by balance

    Credit union · 2 branches

    3.35%APY$335 over 1 year on $10,000
  11. Top Carrot, Carrot Score 88
    Valley Oak Credit UnionShare CertificatesCD · 12 months · $1,000 min

    Credit union · 3 branches

    3.35%APY$335 over 1 year on $10,000
  12. Lassen Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min · 3.35%–3.50% by balance

    Credit union · 1 branch

    3.35%APY$1,791 over 60 months on $10,000
  13. Justice Federal Credit UnionShare CertificateCD · 18 months · $500 min

    Credit union · 1 branch

    3.31%APY$501 over 18 months on $10,000with conditions
  14. Kings Federal Credit Union3 Month CertificateCD · 3 months · $1,000 min · 3.30%–3.40% by balance

    Credit union · 2 branches

    3.30%APY$81 over 3 months on $10,000
  15. CTBC BankOnline Personal CDCD · 6 months · $5,000 min

    Bank · 17 branches

    3.30%APY$164 over 6 months on $10,000intro rate

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

  1. America First Credit UnionCredit union · 1 branch
  2. Skyla Credit UnionCredit union · 1 branch
  3. F&A Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate