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 346–360 results in California
- 3.03%APY$226 over 9 months on $10,000
Requirements
Product: Make recurring deposits of at least $15 through payroll deduction. Only available on this term and through payroll deduction. A penalty will or may be imposed for early withdrawal.
Offer: Fixed Rate. Make recurring deposits of at least $15 through payroll deduction. Only available on this term and through payroll deduction. A penalty will or may be imposed for early withdrawal.
3.00% interest rate · Effective Apr 29, 2026
Rate checked
More details - PostCity Financial Credit UnionRegular Share CertificateCD · 12 months · $2,000 min
Credit union · 2 branches
3.03%APY$303 over 1 year on $10,000Requirements
Product: Must maintain Regular Share Account. Requires maintaining a minimum average daily balance of $2,000 to obtain APY and avoid closure. Early withdrawal penalties apply.
3.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Partners Federal Credit UnionEmergency Fund CertificateCD · 3 months · $100 min · up to $10,000
Credit union · 7 branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: A Primary Share is required to open. Monthly dividends transferred to Primary Share. Limit one Emergency Fund Certificate per Member. Additional deposits allowed up to maximum balance of $10,000. Enjoy one penalty-free withdrawal during the 3-Month term. If balance exceeds $10,000 at maturity, overage is transferred to Primary Share.
Offer: Must maintain balance of at least $100 for the full term. Additional certificate rate add-ons are not allowed.
2.96% interest rate · Effective Sep 18, 2026
Rate checked
More details - 3.00%APY$174 over 7 months on $10,000
Requirements
Product: Allows unlimited deposits and one penalty-free withdrawal during the 7-month term as long as balance remains above $10,000. Penalty imposed if balance falls below $10,000, more than one withdrawal occurs, or withdrawal is within first 6 days of deposit/partial withdrawal.
Offer: Term is 7 months. Unlimited deposits allowed without extending term; one penalty-free withdrawal during term as long as balance remains above $10,000.
2.96% interest rate · Effective Sep 28, 2026
Rate checked
More details - California Coast Credit Union8 Month Liquid CertificateCD · 8 months · $1,000 min
Credit union · 26 branches
3.00%APY$199 over 8 months on $10,000intro rateRequirements
Product: One penalty-free withdrawal after first 7 days leaving $1,000 balance or closing account. Additional deposits of $1,000 or more allowed at any time. Automatically renews at maturity into an 8-Month Certificate at prevailing rate. Excludes IRAs. $5 one-time membership fee and savings account required.
Offer: Requires new money only. Excludes IRAs. Additional deposits of $1,000 or more allowed at any time. One penalty-free withdrawal after first 7 days leaving $1,000 balance or closing account.
Promotional rate · 2.96% interest rate
Rate checked
More details - Sheet Metal Workers Local 104 Federal Credit UnionLiquid Certificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.00%APY$300 over 1 year on $10,000Requirements
Product: Requires $1,000 minimum opening deposit with 50% new funds. Allows penalty-free withdrawals up to 50% of start-of-day balance daily. Additional deposits allowed during term.
2.95% interest rate
Rate checked
More details - 3.00%APY$453 over 18 months on $10,000
Requirements
Product: Rate match available for certificate rates up to 18 months from banks and credit unions inside San Bernardino and Riverside Counties.
2.96% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.00%APY$609 over 24 months on $10,000
Requirements
Product: A donation of 2% of opening deposit will be made to selected organization over 12 months for opening online. Donation is not tax-deductible. Early withdrawal subject to penalty and forfeits remaining donation.
Offer: Available online. 2% of opening deposit donated to selected organization (CA Wildfire Relief, Center for Financial Empowerment, The Los Angeles Charges Impact Fund, YMCA of Metropolitan Los Angeles, or Youth in Foster Care) over 12 months. This donation is not tax-deductible. Early withdrawal subject to penalty and forfeits remaining donation.
2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$927 over 36 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Rates subject to change without notice. Dividends paid monthly (rate) or annually and at maturity (APY).
Offer: Dividends paid monthly (rate) or annually and at maturity (APY).
2.96% interest rate · Effective Oct 21, 2026
Rate checked
More details - Clearpath Federal Credit UnionClearly Better Savings CertificatesCD · 36–47 months · $500 min · 2.75%–3.25% by balance
Credit union · 1 branch
3.00%APYRequirements
Product: Lock in a fixed rate with terms ranging from 3 to 60 months. Deposit tiers start at $500, $10,000, and $50,000. Bump Up to current dividend level once per term on certificates of 12 months or more. Renews for the same term at the prevailing rate upon maturity.
Offer: Fixed rate type. Minimum to earn dividends is $500.
Effective Aug 9, 2026
Rate by balance
Rate by balance for Clearly Better Savings Certificates Balance APY $500 and up 2.75% $10,000 and upYour amountMinimum to earn dividends is $10,000. 3.00% $50,000 and upMinimum to earn dividends is $50,000. 3.25% Rate checked
More details - Sheet Metal Workers Local 104 Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · 1 branch
3.00%APY$1,255 over 48 months on $10,0002.95% interest rate
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Balances of $1,000 or more required to open and earn dividends.
2.96% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Minimum balance is $1,000. Early withdrawal penalty applies. Insured by NCUA up to $250,000. Fixed dividend rates. No monthly fees.
2.96% interest rate · Effective Jan 5, 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
2,323 CDs at 262 banks and credit unions · checked Oct 16–23
- Typical
- 3.15%
- Top 10% from
- 4.00%
- Banks, typical
- 2.43%
- Credit unions, typical
- 3.25%
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Find your bank or credit union to see all its rates and how they compare near you.
California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Star One Credit UnionCredit union · 6 branches
- Skyla Credit UnionCredit union · 1 branch