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 San Luis Obispo, CA metro
- Golden 1 Credit Union9-Month New Money Term Savings CertificateCD · 9 months · $500 min
Credit union · 3 branches
4.30%APY$321 over 9 months on $10,000intro rateRequirements
Product: This special 9-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. The APY is based on an assumption that principal and dividends will remain in the account until maturity. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal.
Offer: Can only be opened in-branch or by phone and funded with new money.
Promotional rate · 4.22% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.20%APY$600 over 17 months on $10,000
Requirements
Product: There is no minimum balance required to earn the stated APY. The minimum opening deposit for a regular certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.
Offer: Limited-Time Special.
4.12% interest rate · Effective Oct 16, 2026
Rate checked
More details - Golden 1 Credit Union10-Month New Money Term Savings CertificateCD · 10 months · $500 min
Credit union · 3 branches
4.15%APY$345 over 10 months on $10,000intro rateRequirements
Product: Can only be opened in-branch or by phone and funded with new money (funds not on deposit at Golden 1 in the 30 days prior to account opening). Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal.
Offer: Must be funded with new money.
Promotional rate · 4.07% interest rate · Effective Sep 25, 2026
Rate checked
More details - Golden 1 Credit Union19-Month Term Savings CertificateCD · 19 months · $500 min
Credit union · 3 branches
4.15%APY$665 over 19 months on $10,000Requirements
Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
4.07% interest rate · Effective Sep 25, 2026
Rate checked
More details - Golden 1 Credit Union5-Month Term Savings CertificateCD · 5 months · $500 min
Credit union · 3 branches
4.00%APY$165 over 5 months on $10,000Requirements
Product: Principal and dividends must remain in the account until maturity. Penalties may apply for early withdrawal. No minimum balance required to earn the stated APY.
3.93% interest rate · Effective Sep 25, 2026
Rate checked
More details - Murphy BankFixed Rate Certificates of Deposit (CD)CD · 12 months · $1,000 min · 3.45%–3.95% by balance
Bank · 1 branch
3.95%APY$395 over 1 year on $10,000Requirements
Product: Substantial penalty for early withdrawal before maturity date. Loyal customer rate bonus: an extra 0.10% over the rate shown is paid on all fixed rate certificate accounts renewing (not new accounts) that have been open for a consecutive period of one year or longer. Customer receives interest rate shown if interest is withdrawn monthly or transferred; APY earned if funds remain on deposit to maturity with no interest withdrawn.
3.40% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Fixed Rate Certificates of Deposit (CD) Balance APY $1,000 – $9,999 3.45% $10,000 and upYour amount 3.95% Rate checked
More details - SESLOC Credit UnionTraditional Share CertificateCD · 24 months · $1,000 min · 3.92%–4.07% by balance
Credit union · 5 branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Dividends compound monthly. Early withdrawal penalties apply. Partial early withdrawal reducing principal below tier minimum results in account closure. Minimum opening deposit $1,000.
Offer: Special rate fixed for term at account funding.
3.85% interest rate · Effective Jul 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificate Balance APY $1,000 – $50,000Your amount 3.92% $50,000 – $100,000 3.97% $100,000 – $200,000 4.02% $200,000 and up 4.07% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Educational Employees Credit UnionShare CertificatesCD · 36 months · $500 min · 3.61%–3.76% by balance
Credit union · 1 branch
3.66%APY$1,139 over 36 months on $10,000Requirements
Product: Fixed dividend rate for the entire term; early withdrawal penalties may apply. Funds insured by NCUA. Share certificates can be opened online/mobile. Additional deposits after opening are not permitted.
3.55% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 3.61% $10,000 and upYour amount 3.66% $50,000 and up 3.71% $100,000 and up 3.76% Rate checked
More details - 3.56%APY$356 over 1 year on $10,000
Requirements
Product: APY assumes dividends remain in account until maturity. Every $25 deposit (up to 100 entries per month) earns entry into monthly and quarterly prize drawings up to $5,000. Early withdrawal incurs a penalty fee, with a limit of one withdrawal per 12-month term.
Offer: Limit of one withdrawal per 12-month term with penalty fee. Prize drawing entries for each $25 deposit.
3.50% interest rate
Rate checked
More details - SESLOC Credit UnionBuilding Block Add-On Share CertificateCD · 12 months · $250 min
Credit union · 5 branches
3.56%APY$356 over 1 year on $10,000Requirements
Product: APY assumes dividends remain in account until maturity. Additional deposits of $25 or more are permitted anytime during the 1-year term. Dividends compound monthly. Early withdrawal penalties may apply.
Offer: Additional deposits of $25 or more permitted anytime during term.
3.50% interest rate
Rate checked
More details - CoastHills Credit UnionPromotional Share CertificateCD · 13 months · $500 min · 3.49%–3.65% by balance
Credit union · 5 branches
3.49%APY$379 over 13 months on $10,000intro rateRequirements
Product: Limited time promotional certificate rate. Minimum $500 opening deposit. Add-on feature available at any time, as long as total deposits do not exceed original opening deposit. Early withdrawals may be subject to penalties and reduce earnings. For terms of 12 months or more, dividend rate bump option allows one dividend adjustment to the dividend rate of a certificate of the same term. Promotional certificates earn promotional rate only during initial term; renews at maturity for same term at prevailing rate.
Promotional rate · 3.44% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Promotional Share Certificate Balance APY $500 – $50,000Your amount 3.49% $50,000 – $100,000Mini-Jumbo 3.55% $100,000 – $200,000Jumbo 3.60% $200,000 and upSuper-Jumbo 3.65% Rate checked
More details - 3.45%APY$171 over 6 months on $10,000
Requirements
Product: Minimum deposit of $100 required. APY assumes dividends remain in account until maturity. Early withdrawal penalties may apply.
Effective Oct 5, 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
What CDs pay in San Luis Obispo, CA metro
197 CDs at 12 banks and credit unions · checked Oct 6–22
- Typical
- 1.01%
- Top 10% from
- 3.74%
- Banks, typical
- 0.10%
- Credit unions, typical
- 3.35%
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San Luis Obispo, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UMB BankBank · 2 branches
- CoastHills Credit UnionCredit union · 5 branches
- Golden 1 Credit UnionCredit union · 3 branches