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 361–375 results in California
- 2.95%APY$754 over 30 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 2.90% interest rate · Effective Oct 14, 2026
Rate checked
More details - Mattel FCUTerm Share Certificate AccountsCD · 6 months · $1,000 min · 2.94%–3.14% by balance
Credit union · 1 branch
2.94%APY$146 over 6 months on $10,000Requirements
Product: A substantial penalty will or may be imposed for early withdrawal with a minimum of $90.
2.90% interest rate
Rate by balance
Rate by balance for Term Share Certificate Accounts Balance APY $1,000 and upYour amount 2.94% $25,000 and up 3.04% $50,000 and up 3.14% Rate checked
More details - CalCom Federal Credit UnionTerm Share Certificate AccountsCD · 6 months · $1,000 min · 2.94%–3.14% by balance
Credit union · 4 branches
2.94%APY$146 over 6 months on $10,000Requirements
Product: A penalty of 90 days interest will be imposed for early withdrawal with a minimum of $90 and no maximum.
2.90% interest rate
Rate by balance
Rate by balance for Term Share Certificate Accounts Balance APY $1,000 and upYour amount 2.94% $25,000 and up 3.04% $50,000 and up 3.14% Rate checked
More details - Santa Cruz Community Credit UnionCertificates of DepositCD · 15 months · $500 min
Credit union · 3 branches
2.94%APY$369 over 15 months on $10,000Requirements
Product: Santa Cruz Community Credit Union membership required. Minimum deposit is $500; maximum deposit is $250,000. No additional deposits are permitted once opened unless otherwise disclosed. Penalties apply for early withdrawal. Automatically renews at maturity for a like term with a 7-day grace period.
2.90% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 2.89%APY$289 over 1 year on $10,000
Requirements
Product: Fixed-rate account. Dividends compounded and credited monthly, calculated using the average daily balance method. Stated rate paid until maturity.
Offer: Fixed rate type. Must maintain an average daily balance of $1,000.00 to earn dividends and obtain stated APY.
2.85% interest rate · Effective Sep 25, 2026
Rate checked
More details - First Financial Credit UnionRelationship Share CertificatesCD · 12 months · $500 min
Credit union · 7 branches
2.85%APY$285 over 1 year on $10,000with conditionsRequirements
Product: Must have a FFCU Checking Account and Online Banking to open account and earn additional dividends from other qualifying FFCU services under the same account number. Maximum of 4 qualifying products/services increase dividend yield. Categories: active debit cards, credit cards, SuperSavers accounts, IRAs, Auto Loans, and Real Estate Loans. Dividends paid annually and at maturity.
Offer: Plus 4 relationship products. Requires FFCU Checking Account and Online Banking. Dividends paid annually and at maturity.
Qualified rate · 2.85% interest rate · Effective Oct 21, 2026
Rate checked
More details - 2.80%APY$568 over 24 months on $10,000
Requirements
Product: Dividends compounded monthly. Deposits federally insured up to $250,000.
2.76% interest rate · Compounded monthly · Effective Mar 1, 2026
Rate checked
More details - Atchison Village CUShare CertificatesCD · 12 months · $500 min · 2.53%–2.79% by balance
Credit union · 1 branch
2.79%APY$279 over 1 year on $10,0002.50% interest rate · Effective Apr 1, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 2.53%* $10,000 and upYour amount 2.79%* Rate checked
More details - Nikkei Credit UnionTerm Share Certificate AccountsCD · 6 months · $1,000 min · 2.78%–2.99% by balance
Credit union · 2 branches
2.78%APY$138 over 6 months on $10,000Requirements
Product: All rates are based on account balance. Withdrawals may not reduce to less than 50% of the original balance.
2.75% interest rate
Rate by balance
Rate by balance for Term Share Certificate Accounts Balance APY $1,000 and upYour amount 2.78% $25,000 and up 2.89% $50,000 and up 2.99% Rate checked
More details - 2.75%APY$68 over 3 months on $10,000
Requirements
Product: Simple interest accrues daily and compounds daily. Customers can have interest paid weekly, bi-weekly, monthly, semi-annually, annually, or at maturity (if term is 1 year or less). Early withdrawal penalty may apply.
Offer: Term is 90 days. Penalty for early withdrawal.
2.72% interest rate · Effective Sep 28, 2026
Rate checked
More details - First Financial Credit UnionAloha Share CertificateCD · 12 months · $5,000 min
Credit union · 7 branches
2.75%APY$275 over 1 year on $10,000with conditionsRequirements
Product: Requirement for opening an Aloha Share Certificate is new money only (funds from non-First Financial sources / outside bank accounts) and an active Checking account with Online Banking. Dividends paid annually and at maturity.
Offer: New money only and an active Checking account with Online Banking. Dividends paid annually and at maturity.
Qualified rate · 2.75% interest rate · Effective Oct 21, 2026
Rate checked
More details - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.
Offer: Rate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer.
Effective Oct 15, 2026
Rate checked
More details - Ventura County Credit Union13 Month No Penalty CertificateCD · 13 months · $1,000 min
Credit union · 8 branches
2.75%APY$298 over 13 months on $10,000intro rateRequirements
Product: Excludes business accounts. No early withdrawal penalty. Certificate will revert to 12 month certificate rate/term in effect at maturity.
Promotional rate · 2.72% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.75%APY$415 over 18 months on $10,000
Requirements
Product: Allows one rate adjustment before maturity if certificate rates increase. 24-month option allows an additional deposit. Minimum deposit $5,000. Early withdrawal penalty applies.
2.72% interest rate · Effective Oct 1, 2026
Rate checked
More details - Gain Federal Credit UnionBump CertificateCD · 30 months · $1,000 min · 2.75%–3.50% by balance
Credit union · 2 branches
2.75%APY$702 over 30 months on $10,000intro rateRequirements
Product: Gives member a one-time option to increase rate during the term to a higher rate when credit union rates increase on corresponding term and balance tier upon oral or written request.
Promotional rate · 2.72% interest rate · Effective May 8, 2023
Rate by balance
Rate by balance for Bump Certificate Balance APY $1,000 and upYour amount 2.75% $25,000 and up 3.00% $50,000 and up 3.50% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
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
- F&A Credit UnionCredit union · 2 branches