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 316–330 results in California
- 3.24%APY$379 over 14 months on $10,000
Requirements
Product: A penalty may be imposed for withdrawals before maturity from term accounts. Fees imposed on your account may affect the annual percentage yield.
3.19% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.21%APY$321 over 1 year on $10,000
Requirements
Offer: Dividends paid monthly
3.16% interest rate · Effective Apr 1, 2026
Rate checked
More details - Provident Credit UnionFixed Rate Add-On CertificateCD · 12 months · $250 min · 3.20%–3.40% by balance
Credit union · 22 branches
3.20%APY$320 over 1 year on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting your term. Deposits that bring the balance over $1,000,000 are at the discretion of management.
Offer: Can add deposits of any amount anytime up to $1,000,000.
3.15% interest rate
Rate by balance
Rate by balance for Fixed Rate Add-On Certificate Balance APY $250 and upYour amount 3.20% $50,000 and up 3.30% $100,000 and up 3.40% Rate checked
More details - 3.20%APY$347 over 13 months on $10,000
Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Minimum withdrawal $500, minimum balance $5,000. Withdrawals must be made in person at a branch or by calling (800) 632-4600. Withdrawals allowed without penalty every 7 calendar days, maximum of 3 withdrawals per month. No dividends paid on balances below balance minimum.
Offer: Minimum withdrawal $500. Withdrawals allowed without penalty every 7 calendar days, max 3 withdrawals/month. In-person or phone withdrawal required.
3.15% interest rate
Rate checked
More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - SAFE Credit UnionTerm CertificateCD · 60 months · $500 min · 3.20%–3.25% by balance
Credit union · 18 branches
3.20%APY$1,706 over 60 months on $10,000Requirements
Product: Dividends paid monthly. Early withdrawal penalties may apply. Automatically renews at maturity. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal. Certificates with a term not shown renew to the closest term not exceeding the existing term.
3.15% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Term Certificate Balance APY $500 – $25,000Your amount 3.20% $25,000 and up 3.25% Rate checked
More details - Water and Power Community Credit UnionFlexible Savings CertificateCD · 6 months · $5,000 min
Credit union · 4 branches
3.15%APY$156 over 6 months on $10,000Requirements
Product: Three deposits per 6-month maturity period allowed. One in-branch withdrawal (maximum $750) per month allowed without dividend forfeiture. Early withdrawal subject to penalty. Minimum daily account balance of $5,000 required.
Offer: 6-month maturity. Up to 3-4 deposits allowed per 6-month period, and 1 in-branch withdrawal up to $750 per month.
3.11% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - First Tech Federal Credit UnionBump Up Share CertificatesCD · 18 months · $500 min · 3.15%–3.40% by balance
Credit union · 8 branches
3.15%APY$476 over 18 months on $10,000Requirements
Product: Allows option to bump up interest rate during term and add funds at eligible intervals. No account set-up fees or maintenance fees. 10-day rate guarantee period.
Offer: Add more money once per term.
3.10% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Up Share Certificates Balance APY Up to $100,000Your amount 3.15% $100,000 and upJumbo tier. 3.40% Rate checked
More details - Mission Fed Credit UnionStandard CertificatesCD · 6 months · $2,000 min · 3.05%–3.15% by balance
Credit union · 34 branches
3.10%APY$154 over 6 months on $10,000intro rateRequirements
Product: Must meet membership and account criteria. Certificate accounts with a specific term earn opening APY until end of term. APYs assume dividends remain on deposit until maturity. Penalties apply for early withdrawals.
Promotional rate
Rate by balance
Rate by balance for Standard Certificates Balance APY $2,000 and up 3.05% $10,000 and upYour amount 3.10% $100,000 and up 3.15% Rate checked
More details - SkyOne Federal Credit Union11-Month Liquid Share CertificateCD · 11 months · $1,000 min
Credit union · 2 branches
3.10%APY$284 over 11 months on $10,000Requirements
Product: Limit one Liquid Share Certificate per member. Penalty and fee-free daily withdrawal starting on day 7 of up to 50% of start of daily balance as of 12:00 AM PT; withdrawals exceeding 50% subject to penalties. Additional deposits permitted anytime prior to maturity.
Offer: Minimum deposit to earn advertised APY is $1,000.
Effective Oct 16, 2026
Rate checked
More details - Universal City Studios Credit UnionShare CertificatesCD · 24 months · $500 min · 3.10%–3.20% by balance
Credit union · 2 branches
3.10%APY$630 over 24 months on $10,000Requirements
Product: Dividend Rates are established by the Board of Directors and are subject to periodic change based on current economic conditions and credit union earnings. Membership requires a $1 one-time membership fee and a $5 initial savings deposit.
Offer: Minimum to earn dividends is $500.
3.06% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.10% $50,000 and upMinimum to earn dividends is $50,000. 3.20% Rate checked
More details - 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
Rate checked
More details - Pacific Service Credit UnionCertificatesCD · 60 months · $1,000 min · 3.10%–3.20% by balance
Credit union · 6 branches
3.10%APY$1,649 over 60 months on $10,000Requirements
Product: Membership requires opening a primary savings account with a minimum balance of $5.00. $1,000 minimum required to open account and earn dividends; $100 for members age 23 and under. A penalty may be imposed for early withdrawals.
Offer: Balances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal.
3.06% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificates Balance APY Up to $50,000Your amount 3.10% $50,000 – $99,999 3.15% $100,000 and up 3.20% Rate checked
More details - 3.05%APY
Requirements
Product: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies.
Offer: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies.
3.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $99,999Your amount 3.05% $100,000 and up 3.06% 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