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 Visalia, CA metro
- 4.25%APY$246 over 7 months on $10,000with conditions
Requirements
Product: Dividends paid monthly. $1,000 minimum opening deposit and $1,000 minimum required to earn dividends. Certificate rates are fixed for the stated term (except variable-rate certificates) and are subject to penalties for early withdrawals.
Offer: 7-Month Special Certificate. Fixed rate type. Requires qualifying for Relationship Rewards!.
Qualified rate · Effective Oct 14, 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 - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Tulare County Federal Credit UnionShare CertificateCD · 9 months · $1,000 min
Credit union · 5 branches
3.87%APY$289 over 9 months on $10,000Requirements
Product: Must maintain a balance equal to the minimum balance required to open to obtain disclosed APY and keep account open. Early withdrawal penalties apply (90 days' dividends for terms <= 12 months, 180 days' dividends for terms > 12 months). Once established, no further deposits prior to maturity date. No monthly maintenance fees.
Offer: Fixed rate. Compounded and credited monthly. Minimum to earn dividend is $1,000.
3.80% interest rate · Effective Apr 1, 2026
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 - Valley Strong Credit UnionPromotional CertificateCD · 13 months · $1,000 min
Credit union · 3 branches
3.75%APY$407 over 13 months on $10,000intro rateRequirements
Product: $1,000 minimum opening deposit. New money must be deposited to obtain promotional rate (funds not currently on deposit with Valley Strong Credit Union). After initial 13-month term, funds will automatically renew into a traditional 12 month certificate. Penalties may be assessed for early withdrawal. Fees may reduce earnings. Not valid for IRA accounts. Valley Strong Membership is required. Offer may be withdrawn at any time.
Offer: The 13-month certificate offer is effective starting 10/01/26. 3.75% APY is based on a dividend rate of 3.687%. $1,000 minimum opening deposit of new money required. Automatically renews into a 12-month traditional certificate. Not valid for IRA accounts. Early withdrawal penalties may apply. Valley Strong Membership required.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Educational Employees Credit UnionShare CertificatesCD · 36 months · $500 min · 3.61%–3.76% by balance
Credit union · 4 branches
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 - 3.59%APY$268 over 9 months on $10,000intro rate
Requirements
Product: Membership with Tucoemas is required. Early withdrawal penalties may apply. Renewals are automatic. Additional deposits are not allowed. Dividends compounded and credited monthly.
Offer: APY remains fixed for the 9-month term. Promotional share certificate does not automatically renew; at maturity full balance transfers to Regular Savings Share.
Promotional rate · Effective Nov 1, 2025
Rate checked
More details - 3.35%APY$335 over 1 year on $10,000
Requirements
Product: Fixed Rate. Penalty imposed for withdrawal prior to maturity.
3.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Tri Counties BankPersonal Certificates of DepositCD · 11 months · $1,000 min · 3.30%–3.70% by balance
Bank · 1 branch
3.30%APY$302 over 11 months on $10,000intro rateRequirements
Product: No Monthly Maintenance Fee. Terms available from 3 months to 5 years. Interest earned can be reinvested or disbursed monthly, quarterly, annually or at maturity. Promotional rates are available on new 7-month and 11-month Trico Advantage CDs. Interest compounded daily and paid at maturity. Not available for Public Funds or Financial Institutions.
Offer: 11-Month Trico Advantage CD promotional rate for balances between $1,000 and $24,999. Interest compounded daily and paid at maturity.
Promotional rate · Compounded daily
Rate by balance
Rate by balance for Personal Certificates of Deposit Balance APY $1,000 – $24,999Your amount 3.30% $25,000 – $99,999 3.50% $100,000 and up 3.70% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 5 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% 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 Visalia, CA metro
183 CDs at 13 banks and credit unions · checked Oct 4–22
- Typical
- 1.02%
- Top 10% from
- 3.75%
- Banks, typical
- 0.11%
- 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.
Visalia, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Self-Help Federal Credit UnionCredit union · 1 branch
- Valley Oak Credit UnionCredit union · 3 branches