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 406–420 results in California
- 1.26%APY$514 over 48 months on $10,000
1.25% interest rate
Rate checked
More details - VA Desert Pacific Federal Credit UnionTerm Certificates ($10,000 & Above)CD · 48 months · $10,000 min
Credit union · 2 branches
1.26%APY$514 over 48 months on $10,0001.25% interest rate
Rate checked
More details - Altura Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min · 1.25%–1.35% by balance
Credit union · 23 branches
1.25%APY$641 over 60 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty may apply. Dividends calculated daily and paid monthly. $0 monthly fee.
1.24% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $100,000Your amount 1.25% $100,000 and up 1.35% Rate checked
More details - Frontwave Credit UnionMilitary Savers CertificatesCD · 36 months · $100 min
Credit union · 13 branches
1.20%APY$364 over 36 months on $10,000Requirements
Product: Exclusive higher rate for eligible active-duty, reservists, retired military, or veteran Members and their spouses. Eligibility must be verified with valid military or veteran identification at account opening. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends. Monthly automatic deposits between $10 and $1,000 required.
Offer: Available only to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Opening deposit $100-$1,000; automatic monthly deposits $10-$1,000.
1.19% interest rate · Effective Sep 1, 2026
Rate checked
More details - 0.95%APY$288 over 36 months on $10,000
Requirements
Product: Must be a Member or qualify for membership to open a certificate. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends and APY. Monthly automatic deposits between $10 and $1,000 must be the same amount each month for full term. Early withdrawal penalty applies.
Offer: Opening deposit between $100 and $1,000; automatic monthly deposit of $10 to $1,000 required. Minimum daily balance of $100 required to earn dividends.
0.95% interest rate · Effective Sep 1, 2026
Rate checked
More details - Priority One Credit UnionLong Term Certificate AccountsCD · 60 months · $2,500 min
Credit union · 3 branches
0.83%APY$422 over 60 months on $10,000Requirements
Product: Higher Dividend Rate offered at any time may be elected during the term of the certificate. Substantial penalty may be imposed for early withdrawal.
0.83% interest rate
Rate checked
More details - 0.75%APY$381 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Membership eligibility applies (anyone who lives, works, or attends an educational or religious institution within Kern County).
0.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.65%APY$153 over 28 months on $10,000intro rate
Requirements
Product: Total term of 28 months comprised of four 7-month step periods.
Offer: Step period 4 of 4 (7 months). Blended APY for the full 28-month term is 0.35097%.
Promotional rate · 0.65% interest rate · Balance cap $250,000 · Effective Oct 23, 2026
Rate checked
More details - Ontario Public Employees FCUCertificate RatesCD · 12 months · $2,500 min · 0.55%–0.85% by balance
Credit union · 1 branch
0.65%APY$65 over 1 year on $10,000Requirements
Product: Dividend rates are fixed for the term of the certificate. A penalty is applied for early withdrawal. Member accounts insured by NCUSIF up to $250,000.00.
0.55% interest rate · Effective Oct 17, 2022
Rate by balance
Rate by balance for Certificate Rates Balance APY $2,500 and up 0.55% $10,000 and upYour amount 0.65% $25,000 and up 0.75% $50,000 and up 0.85% Rate checked
More details - Priority One Credit UnionTerm Share CertificateCD · 36 months · $1,000 min · 0.58%–0.68% by balance
Credit union · 3 branches
0.63%APY$190 over 36 months on $10,000Requirements
Product: Higher Dividend Rate offered at any time may be elected during the term of the certificate. Substantial penalty may be imposed for early withdrawal.
0.58% interest rate
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 – $9,999 0.58% $10,000 – $24,999Your amount 0.63% $25,000 and up 0.68% Rate checked
More details - 0.60%APY$181 over 36 months on $10,000
Requirements
Product: Open with as little as $1,000.00. Terms range from 30 Days to 3 Years. No monthly service charge. Interest is compounded daily and paid quarterly (monthly interest payment optional). Penalty for early withdrawal of CD principal applies.
0.60% interest rate · Compounded daily · Effective Oct 5, 2026
Rate checked
More details - United Local Credit UnionCertificate of Deposits - StandardCD · 24 months · $2,000 min · 0.40%–0.60% by balance
Credit union · 2 branches
0.55%APY$110 over 24 months on $10,000Requirements
Product: Dividends are compounded daily and paid monthly. Substantial penalty for early withdrawal. Rates are blended from the first tier through the top tier.
0.40% interest rate · Compounded daily · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposits - Standard Balance APY $2,000 – $9,999 0.40%* $10,000 – $49,999Your amount 0.55%* $50,000 – $99,999 0.55%* $100,000 and up 0.60%* Rate checked
More details - California Coast Credit Union18 Month Bump Rate CertificateCD · 18 months · $1,000 min · 0.40%–0.55% by balance
Credit union · 26 branches
0.50%APY$75 over 18 months on $10,000Requirements
Product: Allows one rate bump during the term at owner's request if rates rise; new rate remains in effect until maturity. Additional deposits allowed at any time during the term. Minimum deposit and balance to earn dividends is $1,000. $5 one-time membership fee and savings account required for membership.
Offer: Allows one rate bump during term. Additional deposits allowed anytime.
0.39% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for 18 Month Bump Rate Certificate Balance APY $1,000 – $10,000 0.40% $10,000 – $50,000Your amount 0.50% $50,000 – $90,000 0.55% $90,000 and up 0.55% Rate checked
More details - 0.50%APY$202 over 48 months on $10,000
Requirements
Product: Tailored to investment periods from 7 days to 10 years. Substantial penalty for early withdrawal. Rates for terms of 2 years or longer are negotiable. Posted rates are for guidance only.
Offer: CDs with terms of 2 years or longer are negotiable. Interest compounded daily, payable monthly, or at maturity, actual/actual day basis.
0.50% interest rate · Compounded daily
Rate checked
More details - 0.45%APY$56 over 15 months on $10,000with conditions
Requirements
Product: Registry Certificate Account. $100.00 minimum balance to open. Additional deposits of $15.00 or more allowed. Early withdrawal penalty applies. Dividends compounded and credited monthly.
Offer: Requires Active Checking (checking account with at least 1 direct deposit or ACH deposit during monthly statement cycle, held by primary account owner, open and in good standing). Additional deposits of $15.00 or more allowed. Fixed for stated 15-month term. Early withdrawal penalty applies.
Qualified rate · 0.45% interest rate · Effective Oct 23, 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
* 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 16–24
- 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