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 421–435 results in California
- 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 23, 2026
Rate checked
More details - Fresno Police Department Credit UnionCertificate of DepositCD · 24 months · $5,000 min
Credit union · 1 branch
0.35%APY$70 over 24 months on $10,000Requirements
Product: $5,000.00 Minimum Balance. Early Withdrawal Fee based on 6 months interest. Rates are subject to change.
0.35% interest rate · Balance cap $49,999 · Effective Oct 1, 2026
Rate checked
More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$90 over 36 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - OneUnited BankUNITY Gold One Year E-CDCD · 12 months · $500 min · 0.25%–0.30% by balance
Bank · 2 branches
0.25%APY$25 over 1 year on $10,000Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.25% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for UNITY Gold One Year E-CD Balance APY $500 – $250,000Your amount 0.25% $250,000 and up 0.30% Rate checked
More details - Utility District Credit UnionCertificates of Deposit (CDs)CD · 24 months · $10,000 min
Credit union · 2 branches
0.25%APY$50 over 24 months on $10,0000.25% interest rate
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More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 23, 2026
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More details - Priority One Credit UnionCertificate Builder AccountCD · 9 months · $500 min
Credit union · 3 branches
0.15%APY$11 over 9 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.
0.15% interest rate
Rate checked
More details - 0.15%APY$26 over 21 months on $10,000
Requirements
Product: At one time during the 21-month term, you may choose to reset the interest rate to the prevailing You Choose CD rate for the rest of your term. Penalty for early withdrawal applies.
Offer: Term is 21 months. One rate adjustment allowed during term to prevailing rate.
0.15% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.10%APY$2 over 3 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.10%APY$3 over 4 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Dividends are compounded daily and paid on the last day of the month; monthly statements are issued; no monthly service fees; all rates are based on account balance and subject to change without prior notice; variable rate account where rates may change after account opening; fees could reduce earnings; subject to early withdrawal penalties.
Offer: Subject to early withdrawal penalties; variable rate account; insured by ASI up to $250,000.
0.10% interest rate · Compounded daily
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More details - 0.10%APY$20 over 24 months on $10,000
Requirements
Product: Early withdrawal may result in decreased earnings. Additional deposits to certificates at anytime.
Offer: Rate type: Variable. Early withdrawal may result in decreased earnings.
0.10% interest rate
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