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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 16–30 results in California

  1. Top Carrot, Carrot Score 99
    America First Credit UnionBump-Rate Certificate AccountsCD · 60 months · $500 min

    Credit union · 1 branch

    4.45%APY$2,432 over 60 months on $10,000
  2. Heritage Community Credit UnionShare CertificatesCD · 22 months · $1,000 min

    Credit union · 3 branches

    4.40%APY$821 over 22 months on $10,000intro rate
  3. HSBC USAOnline Certificate of Deposit (CD)CD · 24 months · $1,000 min

    Bank · 6 branches

    4.40%APY$899 over 24 months on $10,000with conditions
  4. HSBC USAWealth Center/Telephone Deposit Account CDsCD · 24 months · $1,000 min

    Bank · 6 branches

    4.40%APY$899 over 24 months on $10,000
  5. Top Carrot, Carrot Score 99
    F&A Credit UnionCertificatesCD · 60 months · $1,000 min · 4.40%–4.50% by balance

    Credit union · 2 branches

    4.40%APY$2,402 over 60 months on $10,000
  6. City National BankPersonal Certificates of DepositCD · 12 months · $2,500 min

    Bank · 51 branches

    4.39%APY$439 over 1 year on $10,000intro rate
  7. Capstone Federal Credit UnionCertificatesCD · 60 months · $1,000 min · 4.39%–4.59% by balance

    Credit union · 1 branch

    4.39%APY$2,396 over 60 months on $10,000
  8. Top Carrot, Carrot Score 94
    City First BankCertificates of Deposit (Digital)CD · 12 months · $5,000 min

    Bank · 2 branches

    4.35%APY$435 over 1 year on $10,000
  9. Parishioners Federal Credit Union18-Month Share CertificateCD · 18 months · $100 min · 4.35%–4.50% by balance

    Credit union · 1 branch

    4.35%APY$660 over 18 months on $10,000intro rate
  10. KinectaCertificateCD · 18 months · $100 min

    Credit union · 21 branches

    4.35%APY$660 over 18 months on $10,000intro rate
  11. Top Carrot, Carrot Score 92
    Home Bank of CaliforniaCertificates of DepositCD · 24–35 months · $10,000 min

    Bank · 1 branch

    4.35%APY
  12. Top Carrot, Carrot Score 88
    USC Credit UnionShare CertificatesCD · 60 months · $1,000 min

    Credit union · 4 branches

    4.35%APY$2,373 over 60 months on $10,000
  13. Collegedale Credit UnionTerm Share CertificatesCD · 6 months · $0 min

    Credit union · 1 branch

    4.33%APY$214 over 6 months on $10,000
  14. Top Carrot, Carrot Score 87
    Actors Federal Credit UnionCertificate AccountCD · 11 months · $500 min

    Credit union · 2 branches

    4.33%APY$396 over 11 months on $10,000intro rate
  15. Citizens National Bank of TexasCNB Certificate of DepositCD · 12 months · $1,000 min

    Bank · 1 branch

    4.33%APY$433 over 1 year on $10,000

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 16–22

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