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 1–15 results in Los Angeles, CA metro
- Schools Federal Credit UnionRelationship CertificateCD · 12 months · $5,000 min
Credit union · 2 branches
5.90%APY$590 over 1 year on $10,000with conditionsRequirements
Product: Named 12-month promotional certificate. Additional deposits permitted anytime. Product page: minimum deposit $5,000, maximum $100,000. Qualification: $500 minimum in Primary Share Account (suffix 000); $250 average checking balance; direct deposit/payroll deduction of at least $500 a month; $7,500 minimum combined loan balances. Dividend-sheet footnote (D) instead lists $500 share savings, $500 share checking, $7,500 combined loans, e-Statements, and maximum deposit $100,000. Terms apply.
Offer: Relationship qualifications required (share, checking, direct deposit/payroll, combined loans; e-Statements on dividend sheet). Additional deposits allowed. Rate tables show the same 5.75%/5.90% in both under- and over-$90,000 columns.
Qualified rate · 5.75% interest rate · Balance cap $100,000
Rate checked
More details - LA Healthcare FCUCertificatesCD · 12 months · $1,000 min · 4.60%–5.13% by balance
Credit union · 2 branches
4.86%APY$486 over 1 year on $10,000Requirements
Product: Rates effective October 1, 2026; rates apply to balance tiers from $1,000.
4.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 4.60%* $10,000 and upYour amount 4.86%* $25,000 and up 5.13%* Rate checked
More details - 4.60%APY$941 over 24 months on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.
Qualified rate
Rate checked
More details - 4.60%APY$2,522 over 60 months on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
Offer: Premier tier. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 12, 2026
Rate checked
More details - 4.50%APY$412 over 11 months on $10,000
Requirements
Product: Compounded daily. Substantial early withdrawal penalties apply. Rates are subject to change.
Offer: Minimum balance of $1,500 is required to earn the posted APY.
4.40% interest rate · Compounded daily · Effective Jul 13, 2026
Rate checked
More details - 4.50%APY$412 over 11 months on $10,000
Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - 4.50%APY$488 over 13 months on $10,000intro rate
Requirements
Offer: Must be opened with new money only. Offer available to both new and existing members. Limited time only. A Share Account with $0.01 Par Value is required to establish membership.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - 4.50%APY$801 over 21 months on $10,000
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
Offer: Rewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member.
4.41% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.40%APY$899 over 24 months on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.
Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Qualified rate
Rate checked
More details - 4.40%APY$899 over 24 months on $10,000
Requirements
Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.
Offer: Opened in branch/Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Rate checked
More details - F&A Credit UnionCertificatesCD · 60 months · $1,000 min · 4.40%–4.50% by balance
Credit union · 2 branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Must agree to receive paperless eStatements for premium rate. Early withdrawal penalty applies. Automatic renewal available. Federally insured up to $250,000.
Offer: $1,000 Minimum Deposit tier. Dividend rate 4.31%. Must agree to receive paperless eStatements.
4.31% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 4.40% $50,000 and upDividend rate 4.40%. 4.50% Rate checked
More details - 4.39%APY$439 over 1 year on $10,000intro rate
Requirements
Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.
Promotional rate · 4.30% interest rate · Effective Oct 16, 2026
Rate checked
More details - Capstone Federal Credit UnionCertificatesCD · 60 months · $1,000 min · 4.39%–4.59% by balance
Credit union · 1 branch
4.39%APY$2,396 over 60 months on $10,000Requirements
Product: Minimum opening deposit and balance to earn interest is $1,000. Early withdrawal penalty applies. Institutional and Public Funds are not eligible; members are eligible.
Offer: Standard tier for balances up to $75,000.
4.30% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $75,000Your amount 4.39% Over $75,000 4.59% Rate checked
More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.
4.26% interest rate · Effective Oct 16, 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 Los Angeles, CA metro
1,194 CDs at 122 banks and credit unions · checked Oct 16–22
- Typical
- 3.10%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- 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.
Los Angeles, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches
- Downey Federal Credit UnionCredit union · 2 branches