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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.

Term
Location

Top CD rates

Showing 1–15 results in Modesto, CA metro

  1. Top Carrot, Carrot Score 87
    Golden 1 Credit Union9-Month New Money Term Savings CertificateCD · 9 months · $500 min

    Credit union · 2 branches

    4.30%APY$321 over 9 months on $10,000intro rate
  2. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 9 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  3. Top Carrot, Carrot Score 89
    CitiCertificate of DepositCD · 12 months · $500 min

    Bank · 3 branches

    4.25%APY$425 over 1 year on $10,000
  4. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 3 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  5. Top Carrot, Carrot Score 87
    Golden 1 Credit UnionTerm Savings CertificateCD · 17 months · $500 min

    Credit union · 2 branches

    4.20%APY$600 over 17 months on $10,000
  6. Top Carrot, Carrot Score 89
    Self-Help Federal Credit UnionTerm CertificatesCD · 36 months · $500 min

    Credit union · 2 branches

    4.18%APY$1,307 over 36 months on $10,000
  7. Top Carrot, Carrot Score 87
    Golden 1 Credit Union10-Month New Money Term Savings CertificateCD · 10 months · $500 min

    Credit union · 2 branches

    4.15%APY$345 over 10 months on $10,000intro rate
  8. Top Carrot, Carrot Score 87
    Golden 1 Credit Union19-Month Term Savings CertificateCD · 19 months · $500 min

    Credit union · 2 branches

    4.15%APY$665 over 19 months on $10,000
  9. Top Carrot, Carrot Score 87
    Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min

    Credit union · 2 branches

    4.00%APY$165 over 5 months on $10,000
  10. Valley First Credit UnionSpecial Premium CertificatesCD · 5 months · $10,000 min

    Credit union · 5 branches

    4.00%APY$165 over 5 months on $10,000intro rate
  11. OE Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$198 over 6 months on $10,000
  12. ROLLING F CREDIT UNIONCertificate of DepositCD · 12 months · $10,000 min

    Credit union · 1 branch

    3.80%APY$380 over 1 year on $10,000
  13. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 7 branches

    3.75%APY$217 over 7 months on $10,000
  14. Modesto's FirstShare CertificatesCD · 24 months · $1,000 min

    Credit union · 1 branch

    3.75%APY$764 over 24 months on $10,000
  15. Valley First Credit UnionShare CertificatesCD · 12 months · $1,000 min

    Credit union · 5 branches

    3.50%APY$350 over 1 year on $10,000

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 Modesto, CA metro

249 CDs at 17 banks and credit unions · checked Oct 6–22

Typical
1.50%
Top 10% from
3.81%
Banks, typical
0.40%
Credit unions, typical
3.50%

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Modesto, CA metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Self-Help Federal Credit UnionCredit union · 2 branches
  2. CitiBank · 3 branches
  3. Golden 1 Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate