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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 California

  1. Schools Federal Credit UnionRelationship CertificateCD · 12 months · $5,000 min

    Credit union · 2 branches

    5.90%APY$590 over 1 year on $10,000with conditions
  2. LA Healthcare FCUCertificatesCD · 12 months · $1,000 min · 4.60%–5.13% by balance

    Credit union · 2 branches

    4.86%APY$486 over 1 year on $10,000
  3. Top Carrot, Carrot Score 91
    Stanford Federal Credit UnionCertificatesCD · 60 months · $100 min

    Credit union · 6 branches

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

    Bank · 6 branches

    4.60%APY$941 over 24 months on $10,000with conditions
  5. Top Carrot, Carrot Score 99
    America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min

    Credit union · 1 branch

    4.60%APY$2,522 over 60 months on $10,000
  6. Honda Federal Credit UnionSavings CertificateCD · 60 months · $10,000 min

    Credit union · 2 branches

    4.60%APY$2,522 over 60 months on $10,000
  7. HAB BankCertificate of DepositCD · 11 months · $1,500 min

    Bank · 2 branches

    4.50%APY$412 over 11 months on $10,000
  8. Together Credit UnionCertificate of Deposit (CD)CD · 11 months · $1,000 min

    Credit union · 2 branches

    4.50%APY$412 over 11 months on $10,000
  9. Top Carrot, Carrot Score 89
    California Credit UnionShare CertificateCD · 13 months · $1,000 min

    Credit union · 25 branches

    4.50%APY$488 over 13 months on $10,000intro rate
  10. Top Carrot, Carrot Score 99
    Skyla Credit UnionRegular Certificate AccountCD · 21 months · $500 min

    Credit union · 1 branch

    4.50%APY$801 over 21 months on $10,000
  11. Top Carrot, Carrot Score 95
    CU SoCalCertificateCD · 24 months · $500 min

    Credit union · 24 branches

    4.50%APY$920 over 24 months on $10,000
  12. Top Carrot, Carrot Score 89
    Ukrainian Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · 2 branches

    4.50%APY$1,412 over 36 months on $10,000
  13. Top Carrot, Carrot Score 94
    Corazo Credit UnionRegular CertificatesCD · 60 months · $500 min

    Credit union · 4 branches

    4.50%APY$2,462 over 60 months on $10,000intro rate
  14. OceanAir Federal Credit UnionTerm Share CertificatesCD · 60 months · $500 min

    Credit union · 5 branches

    4.50%APY$2,462 over 60 months on $10,000
  15. Top Carrot, Carrot Score 93
    San Diego Firefighters Federal Credit UnionShare CertificateCD · 12 months · $2,000 min

    Credit union · 1 branch

    4.45%APY$445 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

* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.

What CDs pay in California

2,320 CDs at 260 banks and credit unions · checked Oct 16–22

Typical
3.15%
Top 10% from
4.00%
Banks, typical
2.46%
Credit unions, typical
3.25%

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California

Top Carrot institutions

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

  1. America First Credit UnionCredit union · 1 branch
  2. Skyla Credit UnionCredit union · 1 branch
  3. F&A Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate