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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 San Francisco, CA metro

  1. Top Carrot, Carrot Score 91
    Stanford Federal Credit UnionCertificatesCD · 60 months · $100 min

    Credit union · 1 branch

    4.75%APY$2,612 over 60 months on $10,000with conditions
  2. HSBC USANew Money Certificate of Deposit (CD)CD · 24 months · $1,000 min

    Bank · 2 branches

    4.60%APY$941 over 24 months on $10,000with conditions
  3. HSBC USAOnline Certificate of Deposit (CD)CD · 24 months · $1,000 min

    Bank · 2 branches

    4.40%APY$899 over 24 months on $10,000with conditions
  4. HSBC USAWealth Center/Telephone Deposit Account CDsCD · 24 months · $1,000 min

    Bank · 2 branches

    4.40%APY$899 over 24 months on $10,000
  5. City National BankPersonal Certificates of DepositCD · 12 months · $2,500 min

    Bank · 5 branches

    4.39%APY$439 over 1 year on $10,000intro rate
  6. UNCLE Credit UnionShare CertificatesCD · 12 months · $1,500 min

    Credit union · 3 branches

    4.33%APY$433 over 1 year on $10,000intro rate
  7. 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
  8. Top Carrot, Carrot Score 89
    Flagstar BankCertificates of Deposit (CD)CD · 12 months · $500 min

    Bank · 1 branch

    4.30%APY$430 over 1 year on $10,000intro rate
  9. Top Carrot, Carrot Score 93
    Travis Credit UnionCertificate SpecialsCD · 18 months · $500 min

    Credit union · 7 branches

    4.30%APY$652 over 18 months on $10,000intro rate
  10. Poppy BankPersonal Certificate of Deposit AccountsCD · 3 months · $1,000 min

    Bank · 12 branches

    4.25%APY$105 over 3 months on $10,000
  11. Top Carrot, Carrot Score 90
    Upward Credit UnionSummer Certificate SpecialsCD · 6 months · $500 min

    Credit union · 2 branches

    4.25%APY$210 over 6 months on $10,000intro rate
  12. Patelco Credit UnionCertificatesCD · 7 months · $250 min

    Credit union · 22 branches

    4.25%APY$246 over 7 months on $10,000intro rate
  13. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 123 branches

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

    Bank · 63 branches

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

    Bank · 7 branches

    4.25%APY$461 over 13 months on $10,000intro rate

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 San Francisco, CA metro

748 CDs at 72 banks and credit unions · checked Oct 6–22

Typical
3.00%
Top 10% from
4.00%
Banks, typical
2.00%
Credit unions, typical
3.25%

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San Francisco, CA metro

Top Carrot institutions

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

  1. 1st Nor Cal® Credit UnionCredit union · 5 branches
  2. American Airlines Federal Credit UnionCredit union · 1 branch
  3. CommunityAmerica Credit UnionCredit union · 4 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate