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 376–390 results in California
- 2.68%APY$543 over 24 months on $10,000
Requirements
Product: If a higher non-promotional Bump Up rate becomes available, you may request to change the rate once during term. New rate is applied for remaining term. Penalty-free automatic transfers to a SAFE account allowed on the 1st of each month, providing the transfers will not deplete the certificate prior to maturity. Dividends paid monthly. Certificate penalties for early withdrawal may apply.
2.65% interest rate · Effective Oct 18, 2026
Rate checked
More details - California Coast Credit UnionPrimary CertificateCD · 60 months · $1,000 min · 1.00%–2.65% by balance
Credit union · 26 branches
2.65%APY$1,397 over 60 months on $10,000Requirements
Product: Terms from 3 months to 5 years. Compounded and credited monthly. Daily balance method. Early withdrawal penalties apply. $5 one-time membership fee and savings account required for membership.
1.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Primary Certificate Balance APY $1,000 – $10,000 1.00% $10,000 – $50,000Your amount 2.65% $50,000 – $90,000 2.65% $90,000 and up 2.65% Rate checked
More details - 2.63%APY$263 over 1 year on $10,000
Requirements
Product: Minimum deposit of $1,000. Certificates are insured up to $250,000 by the National Credit Union Administration. Rates effective as of January 1, 2026.
2.60% interest rate · Effective Jan 1, 2026
Rate checked
More details - FFB BankCertificates of Deposit (CDs)CD · 3 months · $1,000 min · 2.58%–2.74% by balance
Bank · 1 branch
2.58%APY$64 over 3 months on $10,000Requirements
Product: Early withdrawal penalties apply. $1,000 minimum to open an account. Tiered rate system.
2.55% interest rate · Effective Jul 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 – $100,000Your amount 2.58% $100,000 and up 2.74% Rate checked
More details - Mocse Credit UnionStandard Term Share CertificatesCD · 12 months · $1,000 min
Credit union · 3 branches
2.53%APY$253 over 1 year on $10,000Requirements
Product: For just a $1,000 starting balance, you can begin saving and earning with a Mocse certificate. Earnings compound monthly. Certificates will auto-renew for the same term at maturity to the then current rate. Penalties for early withdrawal may apply and fees may reduce earnings. Rates are subject to change without notice.
Offer: Certificates will auto-renew for the same term at maturity to the then current rate. Penalties for early withdrawal may apply and fees may reduce earnings. Rates are subject to change without notice.
2.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - 2.52%APY$316 over 15 months on $10,000
Requirements
Product: New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies. Tier for $99,999 or less is for renewals only.
Offer: Renewals only. Early withdrawal penalty applies.
2.49% interest rate
Rate by balance
Rate by balance for Flex CD Balance APY Up to $99,999Your amount 2.52% $100,000 and up 2.53% Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - Novo Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 2 branches
2.50%APY$250 over 1 year on $10,000Requirements
Product: Dividends paid quarterly. Early withdrawal penalty may apply. Account will automatically renew at maturity unless otherwise noted.
Offer: Dividends paid quarterly. Early withdrawal penalty may apply. Account will automatically renew at maturity unless otherwise noted.
2.47% interest rate
Rate checked
More details - 2.50%APY$506 over 24 months on $10,000
Requirements
Product: Two additional deposits and two withdrawals allowed penalty-free per 12-month period. Additional deposits must be a minimum of $500 and not exceed initial deposit amount. Balance after withdrawals cannot fall below minimum balance.
2.47% interest rate · Effective May 8, 2023
Rate checked
More details - 2.50%APY$1,314 over 60 months on $10,000
Requirements
Product: Quarterly dividend period. Early withdrawal penalties may apply.
Offer: Quarterly dividend period.
2.47% interest rate · Effective Sep 25, 2026
Rate checked
More details - East County Schools Federal Credit UnionBump Rate CertificatesCD · 15 months · $10,000 min
Credit union · 1 branch
2.48%APY$311 over 15 months on $10,000Requirements
Product: Allows for a one-time option during the original term to: bump the rate to the current rate being offered for this product; and/or bump the term for up to three (3) additional months; and/or bump the principal deposit balance by making an additional deposit (minimum of $1,000 with a maximum total principal deposit of $100,000, inclusive of the original opening deposit). Early withdrawal penalty applies: terms up to 12 months lose all dividends earned up to 90 days; terms over 12 months lose all dividends earned up to 180 days.
Offer: One-time option during original term to bump rate, bump term up to 3 additional months, and/or bump principal deposit (min $1,000, max total $100,000). Early withdrawal penalty: all dividends earned up to 180 days.
2.45% interest rate · Balance cap $100,000 · Effective May 1, 2025
Rate checked
More details - 2.45%APY$1,287 over 60 months on $10,000
Requirements
Product: Minimum initial deposit $500. Dividends compound monthly. Fixed rate until maturity. Early withdrawal penalty applies.
Offer: 60 months (1825 or more days). Dividends compound monthly.
2.42% interest rate · Effective Sep 28, 2026
Rate checked
More details - 2.43%APY$243 over 1 year on $10,000
Requirements
Product: Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Dividends paid monthly. Certificate penalties for early withdrawal may apply.
2.40% interest rate · Effective Oct 18, 2026
Rate checked
More details - Orange County's Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min · 2.30%–2.95% by balance
Credit union · 12 branches
2.30%APY$1,204 over 60 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Early withdrawal penalties apply. Automatic reinvestment at maturity. Membership requirements apply.
2.27% interest rate · Compounded daily · Effective Sep 11, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 and upYour amount 2.30% $25,000 and up 2.85% $100,000 and up 2.95% Rate checked
More details - Bay Cities CUStar CertificatesCD · 24 months · $2,000 min · 1.97%–3.06% by balance
Credit union · 1 branch
2.28%APY$460 over 24 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Dividends compounded daily.
Offer: Daily dividend calculation, daily compounded. Account code I58. Early withdrawal penalty may apply.
1.95% interest rate · Compounded daily
Rate by balance
Rate by balance for Star Certificates Balance APY $2,000 – $4,999 1.97% $5,000 – $9,999 2.01% $10,000 – $24,999Your amount 2.28% $25,000 – $49,999 2.53% $50,000 – $99,999 2.99% $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
2,323 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