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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 El Cajon, CA

  1. Top Carrot, Carrot Score 89
    California Credit UnionShare CertificateCD · 13 months · $1,000 min

    Credit union · 1 branch

    4.50%APY$488 over 13 months on $10,000intro rate
  2. MyPoint Credit UnionMyTerm CDCD · 9–60 months · $1,000 min

    Credit union · 1 branch

    4.25%APYintro rate
  3. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 3 branches

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

    Bank · 1 branch

    4.25%APY$425 over 1 year on $10,000
  5. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 1 branch

    4.10%APY$621 over 18 months on $10,000
  6. First Citizens BankOnline Promotional CDCD · 5 months · $5,000 min

    Bank · 1 branch

    4.00%APY$165 over 5 months on $10,000intro rate
  7. MyPoint Credit UnionShare CertificateCD · 5 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$165 over 5 months on $10,000intro rate
  8. Top Carrot, Carrot Score 87
    Mission Fed Credit UnionPromo CertificatesCD · 11 months · $500 min

    Credit union · 1 branch

    4.00%APY$366 over 11 months on $10,000intro rate
  9. Top Carrot, Carrot Score 89
    Wheelhouse Credit UnionPromotional Term CertificateCD · 11 months · $500 min

    Credit union · 1 branch

    4.00%APY$366 over 11 months on $10,000intro rate
  10. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionEasyStart CertificateCD · 12 months · $50 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  11. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 1 branch

    3.75%APY$217 over 7 months on $10,000
  12. Top Carrot, Carrot Score 89
    Wheelhouse Credit UnionTerm CertificateCD · 12 months · $500 min

    Credit union · 1 branch

    3.75%APY$375 over 1 year on $10,000
  13. Banner BankPersonal Certificate of Deposit (CD)CD · 9 months · $2,500 min

    Bank · 1 branch

    3.56%APY$266 over 9 months on $10,000with conditions
  14. California Coast Credit UnionPick Your Term CertificateCD · 11 months · $10,000 min

    Credit union · 1 branch

    3.50%APY$320 over 11 months on $10,000intro rate
  15. Employees Choice FCUShare CertificateCD · 12 months · $1,000 min · 3.30%–3.35% by balance

    Credit union · 1 branch

    3.35%APY$335 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 El Cajon, CA

253 CDs at 18 banks and credit unions · checked Oct 4–22

Typical
2.00%
Top 10% from
3.75%
Banks, typical
0.50%
Credit unions, typical
2.99%

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San Diego, CA metro

Top Carrot institutions

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

  1. San Diego Firefighters Federal Credit UnionCredit union · 1 branch
  2. Home Bank of CaliforniaBank · 1 branch
  3. First BankBank · 3 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate