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CD Rate Trends

California Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

California CD rates range from 3.25% to 5.90% APY, verified by MonitorBankRates as of October 13, 2026. Current California CD rates include Schools Federal Credit UnionSchools Federal Credit Union20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306A+5.0 ★Texas Ratio: 1.87%Real return: +3.10%APY minus CPI (February 2026) offering 12 Month Relationship Certificate at 5.90% APY, Sage Credit UnionSage Credit Union1030 N Main St Ste 101, Alturas, CA 96101 3391A+5.0 ★Texas Ratio: 5.70%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Pathfinder Term Share Certificate at 5.00% APY, LA Healthcare Federal Credit UnionLA Healthcare Federal Credit Union320 W 15th St Ste 128, Los Angeles, CA 90015 3092A+5.0 ★Texas Ratio: 3.47%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Certificates at 5.00% APY, Skyla Federal Credit UnionSkyla Federal Credit Union100 Walnut St, Pasadena, CA 91124A5.0 ★Texas Ratio: 9.56%Real return: +1.95%APY minus CPI (February 2026) offering 48 Month Elite Jumbo CD at 4.75% APY, and Stanford Federal Credit UnionStanford Federal Credit Union1860 Embarcadero Rd, Palo Alto, CA 94303 3335A+5.0 ★Texas Ratio: 1.30%Real return: +1.90%APY minus CPI (February 2026) offering 12-Month Certificate at 4.70% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in California side-by-side. California CD rates currently reach as high as 5.90% APY from Schools Federal Credit Union at 20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in California

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California 3 Month CD Rates

MonitorBankRates California Average · 3 Month CD2.38% APY▲ 0.01% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in California is 2.38% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6331 Skyway, Paradise, CA 95969
3 Month CD
$1,000
4.58% ▲ 2.20% above California avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.38%▲ 2.20% above avgNationally 2.09%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
3-MONTH CD
$0
4.25% ▲ 1.87% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.87% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
3 Month Term Share Certificate
$500
4.25% ▲ 1.87% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.38%▲ 1.87% above avgNationally 2.09%
Details

Term: 3 Months with Epic Premium Checking; Epic Premium Checking relationship rate

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
87 W Alexander Ave, Merced, CA 95348 3404
3-Month Certificate
$0
4.00% ▲ 1.62% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.62% above avgNationally 2.09%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
87 W Alexander Ave, Merced, CA 95348 3404
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.62% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.62% above avgNationally 2.09%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
Share Certificate - 3 Month
$1,000
4.00% ▲ 1.62% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.38%▲ 1.62% above avgNationally 2.09%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
3 Month Jumbo Certificates of Deposit
$0
3.98% ▲ 1.60% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.38%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.98% APY · checked 5 times
3.48%3.98%4.48%Sep 29, 2026: 3.98% APYSep 29, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
3 Month Mini Money Maker Certificate of Deposit
$2,000
3.98% ▲ 1.60% above California avg
View
▼
Rate3.90%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.38%▲ 1.60% above avgNationally 2.09%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 3.98% APY · checked 2 times
3.48%3.98%4.48%Oct 7, 2026: 3.98% APYOct 7, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
5371 State Highway 49 N, Mariposa, CA 95338
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.47% above California avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
California Average2.38%▲ 1.47% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
601 S Figueroa St, Los Angeles, CA 90017
3-Month CD
$0
3.80% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.42% above avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 13, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
170 N Market St, Inglewood, CA 90301
3 Month CD
$1,000
3.75% ▲ 1.37% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.37% above avgNationally 2.09%
Details

Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 8, 2026: 3.50% APYOct 2, 2026: 3.75% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
3 Month Term Share Certificate
$500
3.75% ▲ 1.37% above California avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.38%▲ 1.37% above avgNationally 2.09%
Details

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 25, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3540 Wilshire Blvd, Los Angeles, CA 90010
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.32% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.32% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
3 Month Share Certificates - Jumbo
$0
3.70% ▲ 1.32% above California avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.32% above avgNationally 2.09%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.70%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
928 S Broadway, Los Angeles, CA 90015
3 Month Certificate
$0
3.65% ▲ 1.27% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.27% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.65%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1051 Detroit Ave Ste A, Concord, CA 94518 2457
90 Day Certificate Account and IRA Account
$0
3.65% ▲ 1.27% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.38%▲ 1.27% above avgNationally 2.09%
Details

Balance: $10,000.00 and over; $100,000 per member maximum

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1051 Detroit Ave Ste A, Concord, CA 94518 2457
Certificate Account and IRA Account - 90 Days
$0
3.65% ▲ 1.27% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.38%▲ 1.27% above avgNationally 2.09%
Details

Balance: $10,000 and over; $100,000 per member maximum

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.65% ▲ 0.24 pts · high 3.65% / low 3.41%
2.91%3.53%4.15%Sep 14, 2026: 3.41% APYOct 13, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.65%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
3 Month Business Liquid Certificate
$0
3.65% ▲ 1.27% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
3 Month Liquid Certificate
$0
3.65% ▲ 1.27% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
3 Month Share Certificates - Gold
$0
3.65% ▲ 1.27% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 27, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 27, 2026: 3.65% APYSep 27, 2026Oct 13, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
400 Montgomery St, San Francisco, CA 94104
3 Month Performance CD
$0
3.60% ▲ 1.22% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.22% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
14550 Aviation Blvd, Hawthorne, CA 90250
3 Month IRA Certificate
$0
3.60% ▲ 1.22% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.38%▲ 1.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
14550 Aviation Blvd, Hawthorne, CA 90250
3 Month Share Certificates
$0
3.60% ▲ 1.22% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.38%▲ 1.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
3 Month IRA Pick-A-Term
$10,000
3.60% ▲ 1.22% above California avg
View
▼
Rate3.54%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.38%▲ 1.22% above avgNationally 2.09%
Details

IRA Pick-A-Term Certificates; Limited time offer; dividend rates fixed for the term and not tiered; Disclaimers: AA, C, G, MM

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
3 Month Pick-A-Term
$0
3.60% ▲ 1.22% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.38%▲ 1.22% above avgNationally 2.09%
Details

Limited time offer; Dividend rates fixed for the term; Minimum opening deposit $10,000

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
3 Month Share Certificate
$0
3.60% ▲ 1.22% above California avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
3 Month Share Certificates - Silver
$0
3.60% ▲ 1.22% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Oct 13, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
2000 University Ave, East Palo Alto, CA 94303
3-Month Certificate of Deposit
$500
3.55% ▲ 1.17% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.17% above avgNationally 2.09%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Bronze Minimum - 3 month
$0
3.55% ▲ 1.17% above California avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.17% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.35% → 3.55% ▲ 0.20 pts · high 3.55% / low 3.35%
2.85%3.45%4.05%Sep 18, 2026: 3.35% APYOct 10, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.55%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
170 N Market St, Inglewood, CA 90301
3 Month CD
$1,000
3.50% ▲ 1.12% above California avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
170 N Market St, Inglewood, CA 90301
3 Month IRA CD (91-Day)
$1,000
3.50% ▲ 1.12% above California avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 13, 2026
Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
5180 N Palm Ave, Fresno, CA 93704
3 Month Certificate
$0
3.50% ▲ 1.12% above California avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

Rate History
1 change since Oct 8, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Oct 8, 2026: 3.25% APYOct 12, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.50%▲ from 3.25%
  • Oct 8, 20263.25%first recorded
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9600 Ming Ave Ste 146, Bakersfield, CA 93311
3 Month Share Certificate
$1,000
3.50% ▲ 1.12% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

APY $500: N/A; APY $1,000+: 3.50%; APY $100,000+: 3.50%

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Thinkwise Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
599 N E St, San Bernardino, CA 92401
3 Month Term Share Certificate
$500
3.50% ▲ 1.12% above California avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

Effective March 1, 2026; Dividends compounded daily; dividends credited quarterly

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
3 Month Share Certificate
$0
3.50% ▲ 1.12% above California avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 13, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
3 Month Share Certificate
$500
3.50% ▲ 1.12% above California avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Oct 5, 2026: 3.30% APYOct 13, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.50%▲ from 3.30%
  • Oct 5, 20263.30%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
3 Month Consumer Certificates and IRA Certificates
$0
3.50% ▲ 1.12% above California avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50% ▲ 1.12% above California avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
Jumbo Certificates or more - 3 Month
$0
3.50% ▲ 1.12% above California avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.12% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
3 Month IRA Share Certificate
$0
3.45% ▲ 1.07% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.07% above avgNationally 2.09%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 10, 2026: 3.45% APYOct 10, 2026Oct 13, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
3 Month Share Certificate
$0
3.45% ▲ 1.07% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.07% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20%
2.70%3.33%3.95%Sep 14, 2026: 3.20% APYSep 27, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.45%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
Business Certificate 3 months
$0
3.45% ▲ 1.07% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.07% above avgNationally 2.09%
Details

Balance: $200,000.00 and over

Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 30, 2026: 3.45% APYSep 30, 2026Oct 13, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
Traditional Certificate 3 months
$0
3.45% ▲ 1.07% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.07% above avgNationally 2.09%
Details

Balance: $200,000.00 and over; Traditional Share Certificate

Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 30, 2026: 3.45% APYSep 30, 2026Oct 13, 2026
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
1415 W Lacey Blvd, Hanford, CA 93230
3 Month Certificate
$0
3.40% ▲ 1.02% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.38%▲ 1.02% above avgNationally 2.09%
Details

Balance tier starts at $75,000.00

Rate History
1 change since Sep 14, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 14, 2026: 3.14% APYOct 4, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.40%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1051 Detroit Ave Ste A, Concord, CA 94518 2457
90 Day Certificate Account and IRA Account
$0
3.40% ▲ 1.02% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.38%▲ 1.02% above avgNationally 2.09%
Details

Balance: $1,000.00 - $9,999.99; $100,000 per member maximum

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1051 Detroit Ave Ste A, Concord, CA 94518 2457
Certificate Account and IRA Account - 90 Days
$0
3.40% ▲ 1.02% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.38%▲ 1.02% above avgNationally 2.09%
Details

Balance: $1,000-$9,999.99; $100,000 per member maximum

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.40% ▼ 0.01 pts · high 3.41% / low 3.40%
2.90%3.41%3.91%Sep 14, 2026: 3.41% APYOct 13, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.40%▼ from 3.41%
  • Sep 14, 20263.41%first recorded
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
Business Certificate 3 months
$0
3.40% ▲ 1.02% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.02% above avgNationally 2.09%
Details

Balance: $100,000.00 - $199,999.99

Rate History
No change since Sep 30, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 30, 2026: 3.40% APYSep 30, 2026Oct 13, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
Traditional Certificate 3 months
$0
3.40% ▲ 1.02% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 1.02% above avgNationally 2.09%
Details

Balance: $100,000.00 - $199,999.99; Traditional Share Certificate

Rate History
No change since Sep 30, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 30, 2026: 3.40% APYSep 30, 2026Oct 13, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
Business Certificate 3 months
$0
3.35% ▲ 0.97% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 0.97% above avgNationally 2.09%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 30, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 30, 2026: 3.35% APYSep 30, 2026Oct 13, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
Traditional Certificate 3 months
$0
3.35% ▲ 0.97% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.38%▲ 0.97% above avgNationally 2.09%
Details

Balance: $50,000.00 - $99,999.99; Traditional Share Certificate

Rate History
No change since Sep 30, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 30, 2026: 3.35% APYSep 30, 2026Oct 13, 2026

California 6 Month CD Rates

MonitorBankRates California Average · 6 Month CD2.94% APYUnchanged from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in California is 2.94% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
6 Month Certificate
$1,000
4.50% ▲ 1.56% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 1.56% above avgNationally 2.78%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
249 E Ocean Blvd, Long Beach, CA 90802
6-Month CD
$1,000
4.40% ▲ 1.46% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 1.46% above avgNationally 2.78%
Details

Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6331 Skyway, Paradise, CA 95969
6 Month CD
$1,000
4.30% ▲ 1.36% above California avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.94%▲ 1.36% above avgNationally 2.78%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
595 Market St, San Francisco, CA 94105
6 Month Consumer Certificate of Deposit
$500
4.30% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 1.36% above avgNationally 2.78%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 8, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
6-MONTH CD
$0
4.25% ▲ 1.31% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.31% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
IRA - 6-MONTH IRA CD
$1,000
4.25% ▲ 1.31% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.31% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
6 Month Term Share Certificate
$500
4.25% ▲ 1.31% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 1.31% above avgNationally 2.78%
Details

Term: 6 Months with Epic Premium Checking; Epic Premium Checking relationship rate

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1860 El Camino Real Ste 100, Burlingame, CA 94010 3106
6 Month Summer CD Special
$0
4.25% ▲ 1.31% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.31% above avgNationally 2.78%
Details

Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account; All regular certificates can be opened as IRA certificates, unless otherwise noted

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1860 El Camino Real Ste 100, Burlingame, CA 94010 3106
6 Month Summer Certificate Specials - Term Certificate
$0
4.25% ▲ 1.31% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.31% above avgNationally 2.78%
Details

Minimum balance $500 and above; limited-time summer special

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
1020 S Brawley Ave, Brawley, CA 92227
6 Month Promo
$500
4.25% ▲ 1.31% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.94%▲ 1.31% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
6-Month Promotional IRA Share Certificate
$0
4.20% ▲ 1.26% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.26% above avgNationally 2.78%
Details

Promotional IRA Share Certificates; Promotional rate good for initial term only

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
6 Month Share Certificate
$0
4.15% ▲ 1.21% above California avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.21% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
6-Month Add-On Promotional Share Certificate
$0
4.10% ▲ 1.16% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.16% above avgNationally 2.78%
Details

Promotional rate good for initial term only; Additional deposits up to the initial opening deposit amount can be made at any time without penalty.

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
6 Month Jumbo CD
$50,000
4.10% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.16% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
945 Armory Rd, Barstow, CA 92311
6-MONTH CD
$2,500
4.10% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.94%▲ 1.16% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
17235 Arrow Blvd, Fontana, CA 92335
Certificates - 6 Months
$0
4.07% ▲ 1.13% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.13% above avgNationally 2.78%
Details

Rate Type: Fixed; Dividends paid monthly

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
6 Month CD
$1,000
4.05% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.11% above avgNationally 2.78%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
6 Month New Money CD
$1,000
4.05% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.11% above avgNationally 2.78%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 13, 2026
Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
3080 N Lake Blvd, Tahoe City, CA 96145
6 month CD
$1,000
4.04% ▲ 1.10% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.10% above avgNationally 2.78%
Details

APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal. Member FDIC

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 4 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
6 Month Jumbo Certificates of Deposit
$0
4.03% ▲ 1.09% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.94%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 4.03% APY · checked 5 times
3.53%4.03%4.53%Sep 29, 2026: 4.03% APYSep 29, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
6 Month Mini Money Maker Certificate of Deposit
$2,000
4.03% ▲ 1.09% above California avg
View
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.94%▲ 1.09% above avgNationally 2.78%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 7, 2026: 4.03% APYOct 7, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
6 Month CD
$1,000
4.00% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
6 Month Online CD
$1,000
4.00% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
101 Second Street, San Francisco, CA 94105
6-month CD
$1,000
4.00% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
87 W Alexander Ave, Merced, CA 95348 3404
Limited Time 6 Month Share Certificate
$1,000
4.00% ▲ 1.06% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
555 S Flower St, Los Angeles, CA 90071
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.06% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
39 S Livermore Ave Ste 101, Livermore, CA 94550 3119
6 Month Business Term Certificate Promo
$0
4.00% ▲ 1.06% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Dividend Rate 3.93%; APY if dividends are not withdrawn during the term; Business members

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
6-month Certificate - GoldStar
$0
4.00% ▲ 1.06% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
6 Month IRA Certificates
$500
4.00% ▲ 1.06% above California avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
Share Certificate - 6 Month
$1,000
4.00% ▲ 1.06% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
2310 E El Segundo Blvd, El Segundo, CA 90245
6-month Share Certificate
$0
4.00% ▲ 1.06% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Share Certificate; Open online or via Link

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
6 Month Certificates
$0
4.00% ▲ 1.06% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Balance: $100,000; Rate effective October 1, 2026

Rate History
1 change since Sep 18, 2026 · 1.50% → 4.00% ▲ 2.50 pts · high 4.00% / low 1.50%
0.00%3.25%6.50%Sep 18, 2026: 1.50% APYOct 9, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
2333 Utah Ave, El Segundo, CA 90245
6 Month Share Certificate
$0
4.00% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
6 Month IRA Traditional & Roth CD
$500
4.00% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 13, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
6 Month Regular CD
$500
4.00% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
6 Month Jumbo Certificate - Special
$0
4.00% ▲ 1.06% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
5180 N Palm Ave, Fresno, CA 93704
6 Month Certificate
$0
3.90% ▲ 0.96% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 0.96% above avgNationally 2.78%
Details

Rate History
1 change since Oct 8, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Oct 8, 2026: 3.65% APYOct 12, 2026: 3.90% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.90%▲ from 3.65%
  • Oct 8, 20263.65%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
6-month Certificate
$0
3.90% ▲ 0.96% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 0.96% above avgNationally 2.78%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
1023 Stockton St, San Francisco, CA 94108
6-MONTH CD
$0
3.88% ▲ 0.94% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.88% APY · checked 8 times
3.38%3.88%4.38%Sep 14, 2026: 3.88% APYSep 14, 2026Oct 13, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
170 N Market St, Inglewood, CA 90301
6 Month CD
$1,000
3.85% ▲ 0.91% above California avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Rate History
1 change since Sep 8, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 8, 2026: 3.70% APYOct 2, 2026: 3.85% APYSep 8, 2026Oct 13, 2026
  • Oct 2, 20263.85%▲ from 3.70%
  • Sep 8, 20263.70%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
6 Month Share Certificate
$500
3.85% ▲ 0.91% above California avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Oct 5, 2026: 3.50% APYOct 13, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.50%
  • Oct 5, 20263.50%first recorded
Ventura County Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.65%
6026 Telephone Rd, Ventura, CA 93003 5332
Get Fit Certificate - 6 Month Certificate Basic
$500
3.85% ▲ 0.91% above California avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Balance: $500 - $999.99

Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Oct 13, 2026
Ventura County Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.65%
6026 Telephone Rd, Ventura, CA 93003 5332
Get Fit Certificate - 6 Month Certificate Plus
$2,500
3.85% ▲ 0.91% above California avg
View
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Balance: $2,500 and over

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month IRA Certificates - Jumbo
$0
3.85% ▲ 0.91% above California avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month Share Certificates - Jumbo
$0
3.85% ▲ 0.91% above California avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
6 Month CD
$500
3.85% ▲ 0.91% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 13, 2026
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
17235 Arrow Blvd, Fontana, CA 92335
Certificates - 6 Months
$0
3.81% ▲ 0.87% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 0.87% above avgNationally 2.78%
Details

Rate Type: Fixed; Dividends paid monthly

Rate History
No change since Oct 9, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 9, 2026: 3.81% APYOct 9, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
5757 Wilshire Blvd, Los Angeles, CA 90036 3684
6-Month Certificate
$0
3.81% ▲ 0.87% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 0.87% above avgNationally 2.78%
Details

Special Certificate Account; up to APY; no monthly fee; federally insured by NCUA up to $250,000

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
5757 Wilshire Blvd, Los Angeles, CA 90036 3684
Certificates - 6 months
$500
3.81% ▲ 0.87% above California avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.94%▲ 0.87% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
9040 Benson Ave, Montclair, CA 91763
6 Month Certificate Accounts
$0
3.80% ▲ 0.86% above California avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.94%▲ 0.86% above avgNationally 2.78%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026

California 12 Month CD Rates

MonitorBankRates California Average · 12 Month CD3.14% APY▲ 0.03% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in California is 3.14% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
12 Month Relationship Certificate
$0
5.90% ▲ 2.76% above California avg
View
▼
Rate5.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 2.76% above avgNationally 2.99%
Details

Relationship Certificate(12 months)Terms Apply

Rate History
No change since Sep 25, 2026 · 5.90% APY · checked 3 times
5.40%5.90%6.40%Sep 25, 2026: 5.90% APYSep 25, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
1030 N Main St Ste 101, Alturas, CA 96101 3391
12 Month Pathfinder Term Share Certificate
$100
5.00% ▲ 1.86% above California avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.86% above avgNationally 2.99%
Details

Balance: $100.00 - $4,999.99; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 25, 2026: 5.00% APYSep 25, 2026Oct 13, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
12 Month Certificates
$0
5.00% ▲ 1.86% above California avg
View
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.86% above avgNationally 2.99%
Details

Balance: $25,000; Rate effective October 1, 2026

Rate History
1 change since Sep 18, 2026 · 2.00% → 5.00% ▲ 3.00 pts · high 5.00% / low 2.00%
0.00%4.00%8.00%Sep 18, 2026: 2.00% APYOct 9, 2026: 5.00% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.00%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
12 Month Certificates
$0
4.75% ▲ 1.61% above California avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.61% above avgNationally 2.99%
Details

Balance: $10,000; Rate effective October 1, 2026

Rate History
1 change since Sep 18, 2026 · 2.00% → 4.75% ▲ 2.75 pts · high 4.75% / low 2.00%
0.00%3.75%7.50%Sep 18, 2026: 2.00% APYOct 9, 2026: 4.75% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.75%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1860 Embarcadero Rd, Palo Alto, CA 94303 3335
12-Month Certificate
$100
4.70% ▲ 1.56% above California avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.56% above avgNationally 2.99%
Details

Best rate on the page; the 12-Month Certificate rate shown includes a .50 bonus for active and engaged Loyalty+ members

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.70% ▲ 0.70 pts · high 4.70% / low 4.00%
3.30%4.35%5.40%Sep 14, 2026: 4.00% APYSep 21, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.70%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
12 Month Certificate
$1,000
4.50% ▲ 1.36% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
12 Month IRA Certificates
$500
4.50% ▲ 1.36% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 24, 2026: 3.75% APYOct 4, 2026: 4.50% APYSep 24, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
Share Certificate - 12 Month
$1,000
4.50% ▲ 1.36% above California avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
12 Month Certificates
$0
4.50% ▲ 1.36% above California avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Balance: $1,000; Rate effective October 1, 2026

Rate History
1 change since Sep 18, 2026 · 2.00% → 4.50% ▲ 2.50 pts · high 4.50% / low 2.00%
0.00%3.50%7.00%Sep 18, 2026: 2.00% APYOct 9, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2222 W Shaw Ave, Fresno, CA 93711 3419
Share Saver Certificate - 12-Month Term
$500
4.50% ▲ 1.36% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Balance: $500 (maximum principal balance)

Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 9, 2026: 4.50% APYOct 9, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
12 Month Share Certificate
$0
4.45% ▲ 1.31% above California avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.31% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Monterey County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
601 Munras Ave, Monterey, CA 93940
12-Month CD Special
$100,000
4.44% ▲ 1.30% above California avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.14%▲ 1.30% above avgNationally 2.99%
Details

Available to new funds only.

Rate History
No change since Oct 11, 2026 · 4.44% APY
3.94%4.44%4.94%Oct 11, 2026: 4.44% APYOct 11, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
12 Month CD
$1,000
4.35% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
12 Month New Money CD
$1,000
4.35% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
234 Balsam St, Ridgecrest, CA 93555 3856
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.21% above California avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
101 Second Street, San Francisco, CA 94105
12-month CD
$1,000
4.35% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
12 Month Deferred Compensation Certificate
$50
4.35% ▲ 1.21% above California avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
12 Month Share Certificate
$100,000
4.35% ▲ 1.21% above California avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Oct 5, 2026: 4.25% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Oct 5, 20264.25%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
12 Month Elite Jumbo CD
$250,000
4.35% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
UNCLE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.51%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Share Certificates - 12 Month Variable
$1,500
4.33% ▲ 1.19% above California avg
View
▼
Rate4.25%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.19% above avgNationally 2.99%
Details

Variable Rate 12-Month Share Certificate tied to the Treasury Bill 6-month auction average, rounded down to the nearest quarter percent and adjusted quarterly; Rates subject to change after account is opened; Minimum to earn dividends $1,500; Dividends paid monthly

Rate History
No change since Oct 13, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 13, 2026: 4.33% APYOct 13, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
12 Month CD
$1,000
4.30% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
12 Month Online CD
$1,000
4.30% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
945 Armory Rd, Barstow, CA 92311
12-MONTH CD
$500
4.30% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
12 Month CD
$500
4.30% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
12-MONTH CD
$0
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
IRA - 12-MONTH IRA CD
$1,000
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
1 Year Term Share Certificate
$500
4.25% ▲ 1.11% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Term: 1 year with Epic Premium Checking; Epic Premium Checking relationship rate

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.00% APYSep 25, 2026: 4.25% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.25%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
Epic Premium Promotion - 1-year Term Share Certificate
$0
4.25% ▲ 1.11% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Epic Premium account holders enjoy a .25% bonus on a new 1-year Term Share Certificate

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Thinkwise Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
599 N E St, San Bernardino, CA 92401
12 Month Gen-T Term Share Certificate
$5
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Effective January 1, 2026; available only for members under 18 years of age; dividends not paid on amounts over $50,000.00; Dividends compounded daily; dividends credited quarterly

Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 12, 2026: 4.25% APYSep 12, 2026Oct 13, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
333 RAVENSWOOD AVE, MENLO PARK, CA 94025
IRA Certificate - 1 Year
$0
4.25% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
12 Month Share Certificate
$500
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2222 W Shaw Ave, Fresno, CA 93711 3419
Share Saver Certificate - 12-Month Term
$400
4.25% ▲ 1.11% above California avg
View
▼
Rate4.17%
Min Deposit$400
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Balance: $400 - $499.99

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
CA
12 Month Minor Certificate
$500
4.25% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

For minors, minimum term is 12 months; minimum opening balance and minimum to earn dividends is $500.

Rate History
No change since Oct 1, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 1, 2026: 4.25% APYOct 1, 2026Oct 13, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
CA
12-Month Certificate
$1,000
4.25% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

New Funds

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
CA
12-Month IRA Certificate
$25
4.25% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms. Fixed account.

Rate History
1 change since Sep 22, 2026 · 3.10% → 4.25% ▲ 1.15 pts · high 4.25% / low 3.10%
1.95%3.68%5.40%Sep 22, 2026: 3.10% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.10%
  • Sep 22, 20263.10%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625
IRA Certificate - 1 Year Starter Add-On
$0
4.25% ▲ 1.11% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1860 Embarcadero Rd, Palo Alto, CA 94303 3335
12-Month Business Certificate
$100
4.20% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.06% above avgNationally 2.99%
Details

Business certificate; featured as today's best business rate

Rate History
No change since Sep 21, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 21, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
12 Month Jumbo CD
$50,000
4.20% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.06% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
1420 Fairlane Rd, Yreka, CA 96097 9549
12 Month Share Certificate
$0
4.20% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.06% above avgNationally 2.99%
Details

Balance: $0-$24,999

Rate History
No change since Sep 26, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 26, 2026: 4.20% APYSep 26, 2026Oct 13, 2026
Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
1420 Fairlane Rd, Yreka, CA 96097 9549
Share Certificate - 12 Months
$0
4.20% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.06% above avgNationally 2.99%
Details

Balance: $0.00 - $24,999.00; Declared rates effective August 18, 2026; Dividends earned daily, paid monthly on the daily balance

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
12 Month Certificate
$0
4.17% ▲ 1.03% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.03% above avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
3.47%4.07%4.67%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.17% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.17%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
2310 E El Segundo Blvd, El Segundo, CA 90245
12-month Loyalty Share Certificate
$0
4.15% ▲ 1.01% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.01% above avgNationally 2.99%
Details

Available to members with existing AFCU Share Certificates at maturity; renews from a matured certificate; additional new money from another financial institution may be added during the seven (7) day maturity period; renewal rate determined at date of maturity

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5300 N FRESNO ST, FRESNO, CA 93710 6828
IRA - 12 Month Certificate
$1,000
4.12% ▲ 0.98% above California avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 10, 2026: 4.12% APYOct 10, 2026Oct 13, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
555 S Flower St, Los Angeles, CA 90071
Special 12-Month Fixed Rate
$0
4.11% ▲ 0.97% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
1 Year IRA Traditional & Roth CD
$500
4.10% ▲ 0.96% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.96% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 13, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
12 Month Regular CD
$500
4.10% ▲ 0.96% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.96% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625
1 Year Add-On Certificate
$0
4.10% ▲ 0.96% above California avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.96% above California avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
12 Month Jumbo Certificates of Deposit
$0
4.08% ▲ 0.94% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.14%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 4.08% APY · checked 5 times
3.58%4.08%4.58%Sep 29, 2026: 4.08% APYSep 29, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
12 Month Mini Money Maker Certificate of Deposit
$2,000
4.08% ▲ 0.94% above California avg
View
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.14%▲ 0.94% above avgNationally 2.99%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 7, 2026: 4.08% APYOct 7, 2026Oct 13, 2026

California 18 Month CD Rates

MonitorBankRates California Average · 18 Month CD3.09% APYUnchanged from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in California is 3.09% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1440 Rosecrans Ave, Manhattan Beach, CA 90266
18-Month Promo Certificate
$100,000
4.50% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.41% above avgNationally 2.87%
Details

Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1440 Rosecrans Ave, Manhattan Beach, CA 90266
18-Month Promotional Certificate
$0
4.50% ▲ 1.41% above California avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.41% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
18 Month Jumbo CD
$50,000
4.45% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 1.36% above avgNationally 2.87%
Details

Senior

Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
3.35%4.18%5.00%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.45% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.25%
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
249 E Ocean Blvd, Long Beach, CA 90802
18-Month CD
$1,000
4.35% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.26% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1440 Rosecrans Ave, Manhattan Beach, CA 90266
18-Month Promo Certificate
$100
4.35% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.26% above avgNationally 2.87%
Details

Or, 4.35% APY* with $100 min.

Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.35%▼ from 4.50%
  • Oct 4, 20264.50%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1440 Rosecrans Ave, Manhattan Beach, CA 90266
18-Month Promotional Certificate
$0
4.35% ▲ 1.26% above California avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.26% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1440 Rosecrans Ave, Manhattan Beach, CA 90266
Business 18-Month Promotional Certificate
$0
4.35% ▲ 1.26% above California avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.26% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
18 Month Share Certificate
$0
4.35% ▲ 1.26% above California avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 1.26% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Sep 14, 2026: 4.25% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
18 Month Share Certificate
$100,000
4.35% ▲ 1.26% above California avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 1.26% above avgNationally 2.87%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
3.15%4.05%4.95%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
18 Month Regular CD
$500
4.35% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 1.26% above avgNationally 2.87%
Details

Senior

Rate History
2 changes since Sep 21, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
18 Month CD
$500
4.35% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 1.26% above avgNationally 2.87%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
659 Skymaster Cir, Travis AFB, CA 94535
18 Month Business Certificate Specials
$0
4.30% ▲ 1.21% above California avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 1.21% above avgNationally 2.87%
Details

Balance: $500

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYOct 1, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
18-MONTH CD
$0
4.25% ▲ 1.16% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
IRA - 18-MONTH IRA CD
$1,000
4.25% ▲ 1.16% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
18 Month Term Share Certificate
$500
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

Term: 18 months with Epic Premium Checking; Epic Premium Checking relationship rate

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
18 Month IRA Certificates
$500
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
Share Certificate - 18 Month
$1,000
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
18 Month Share Certificate
$500
4.25% ▲ 1.16% above California avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
18 Month Jumbo CD
$50,000
4.25% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
919 N Center St, Stockton, CA 95202
18 Month New Money Certificate
$0
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

CD Special; Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
12934 Harbor Blvd, Garden Grove, CA 92840 5809
18-Months Promotional Term and IRA Certificates - 18 Months
$1,000
4.25% ▲ 1.16% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

Min. to Earn APY: $1,000; Promotional 18-month certificate automatically renews into a standard, non-promotional 24-month certificate at maturity; Early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
945 Armory Rd, Barstow, CA 92311
18-MONTH CD
$500
4.25% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 1.16% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1440 Rosecrans Ave, Manhattan Beach, CA 90266
Business 18-Month Promotional Certificate
$0
4.20% ▲ 1.11% above California avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 1.11% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
333 S Grand Ave, Los Angeles, CA 90071
18 Month Platinum TCD
$0
4.18% ▲ 1.09% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.09%▲ 1.09% above avgNationally 2.87%
Details

Terms and Conditions

Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
3.58%4.13%4.68%Sep 7, 2026: 4.08% APYSep 19, 2026: 4.18% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20264.18%▲ from 4.08%
  • Sep 7, 20264.08%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3992 Douglas Blvd, Roseville, CA 95661
18-Month Variable Rate IRA
$0
4.17% ▲ 1.08% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.09%▲ 1.08% above avgNationally 2.87%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
101 Second Street, San Francisco, CA 94105
18-month CD
$1,000
4.15% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.09%▲ 1.06% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
18 Month IRA Traditional & Roth CD
$500
4.15% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 1.06% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 13, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
18 Month Regular CD
$500
4.15% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 1.06% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
919 N Center St, Stockton, CA 95202
18 Month New Money Certificate
$0
4.15% ▲ 1.06% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.09%▲ 1.06% above avgNationally 2.87%
Details

CD Special; Balance: $50,000 - $99,999

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
18 Month Jumbo Certificates of Deposit
$0
4.08% ▲ 0.99% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.09%▲ 0.99% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 4.08% APY · checked 5 times
3.58%4.08%4.58%Sep 29, 2026: 4.08% APYSep 29, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
18 Month Mini Money Maker Certificate of Deposit
$2,000
4.08% ▲ 0.99% above California avg
View
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.09%▲ 0.99% above avgNationally 2.87%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 7, 2026: 4.08% APYOct 7, 2026Oct 13, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
13304 Alondra Blvd, Cerritos, CA 90703
18 Month Share Certificates
$0
4.05% ▲ 0.96% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 0.96% above avgNationally 2.87%
Details

Balance: $200,000.00 +

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
12701 Schabarum Ave, Irwindale, CA 91706
IRA Certificate Accounts - 18 months
$0
4.00% ▲ 0.91% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
18-month Certificate - GoldStar
$0
4.00% ▲ 0.91% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
13304 Alondra Blvd, Cerritos, CA 90703
18 Month Share Certificates
$0
4.00% ▲ 0.91% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Balance: $90,000.00 - $199,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.91% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.91% above California avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
919 N Center St, Stockton, CA 95202
18 Month New Money Certificate
$0
4.00% ▲ 0.91% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

CD Special; Balance: $1,000 - $49,999

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
18 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 0.91% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 0.91% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
Jumbo Certificates or more - 18 Month
$0
4.00% ▲ 0.91% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month IRA Certificates - Jumbo
$0
4.00% ▲ 0.91% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month Share Certificates - Jumbo
$0
4.00% ▲ 0.91% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 0.91% above avgNationally 2.87%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
18 Month Term Certificates
$0
3.98% ▲ 0.89% above California avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 0.89% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 13, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
Traditional Certificates - 18 Months
$0
3.98% ▲ 0.89% above California avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.09%▲ 0.89% above avgNationally 2.87%
Details

> $90,000

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 13, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
13304 Alondra Blvd, Cerritos, CA 90703
18 Month Share Certificates
$0
3.95% ▲ 0.86% above California avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.09%▲ 0.86% above avgNationally 2.87%
Details

Balance: $50,000.00 - $89,999.99

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.86% above California avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.09%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.86% above California avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.09%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month IRA Certificates - Gold
$0
3.95% ▲ 0.86% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month Share Certificates - Gold
$0
3.95% ▲ 0.86% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.09%▲ 0.86% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 13, 2026

California 24 Month CD Rates

MonitorBankRates California Average · 24 Month CD2.98% APY▲ 0.02% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in California is 2.98% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
595 Market St, San Francisco, CA 94105
2 Year Consumer Certificate of Deposit
$500
4.60% ▲ 1.62% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.62% above avgNationally 2.88%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
3.90%4.50%5.10%Sep 14, 2026: 4.40% APYOct 8, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.60%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
24 Month Certificate
$1,000
4.50% ▲ 1.52% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.52% above avgNationally 2.88%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
24 Month CD
$1,000
4.45% ▲ 1.47% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.47% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
24 Month New Money CD
$1,000
4.45% ▲ 1.47% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.47% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
24 Month Elite Jumbo CD
$250,000
4.45% ▲ 1.47% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.47% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
24 Month CD
$1,000
4.40% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
445 N Bedford Dr, Beverly Hills, CA 90210
24 Month Online CD
$1,000
4.40% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
24 Month CD
$500
4.40% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
400 Montgomery St, San Francisco, CA 94104
24 Month Performance CD
$0
4.35% ▲ 1.37% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
24 Month Share Certificate
$100,000
4.35% ▲ 1.37% above California avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.37% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
24 Month Certificate
$0
4.33% ▲ 1.35% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.35% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 21, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 21, 2026: 4.07% APYOct 9, 2026: 4.33% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.33%▲ from 4.07%
  • Sep 21, 20264.07%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
24 Month Share Certificate
$0
4.30% ▲ 1.32% above California avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.32% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
24 Month Jumbo CD
$50,000
4.30% ▲ 1.32% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.32% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
24-MONTH CD
$0
4.25% ▲ 1.27% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
24-MONTH IRA CD
$0
4.25% ▲ 1.27% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
2 Year Term Share Certificate
$500
4.25% ▲ 1.27% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Term: 2 years with Epic Premium Checking; Epic Premium Checking relationship rate

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
Epic Premium Promotion - 2-year Term Share Certificate
$0
4.25% ▲ 1.27% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Epic Premium account holders enjoy a .25% bonus on a new 2-year Term Share Certificate

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
Share Certificate - 24 Month
$1,000
4.25% ▲ 1.27% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
333 RAVENSWOOD AVE, MENLO PARK, CA 94025
IRA Certificate - 2 Year
$0
4.25% ▲ 1.27% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
24 Month Share Certificate
$500
4.25% ▲ 1.27% above California avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
945 Armory Rd, Barstow, CA 92311
24-MONTH CD
$500
4.25% ▲ 1.27% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
24 Month Certificate
$0
4.23% ▲ 1.25% above California avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.25% above avgNationally 2.88%
Details

Balance: $500-$99,999

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.23% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.23%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
2 Year IRA Traditional & Roth CD
$500
4.20% ▲ 1.22% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 13, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
24 Month Regular CD
$500
4.20% ▲ 1.22% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1860 El Camino Real Ste 100, Burlingame, CA 94010 3106
24 Month Summer CD Special
$0
4.20% ▲ 1.22% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.22% above avgNationally 2.88%
Details

Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account; All regular certificates can be opened as IRA certificates, unless otherwise noted

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1860 El Camino Real Ste 100, Burlingame, CA 94010 3106
24 Month Summer Certificate Specials - Term Certificate
$0
4.20% ▲ 1.22% above California avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.22% above avgNationally 2.88%
Details

Minimum balance $500 and above; limited-time summer special

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
24 Month Jumbo Certificates of Deposit
$0
4.13% ▲ 1.15% above California avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.98%▲ 1.15% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 29, 2026: 4.13% APYSep 29, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
24 Month Mini Money Maker Certificate of Deposit
$2,000
4.13% ▲ 1.15% above California avg
View
▼
Rate4.05%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.98%▲ 1.15% above avgNationally 2.88%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 7, 2026: 4.13% APYOct 7, 2026Oct 13, 2026
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2580 W Shaw Ln, Fresno, CA 93711 2778
1-2 Year Share Certificate
$0
4.13% ▲ 1.15% above California avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.15% above avgNationally 2.88%
Details

Balance: $250,000

Rate History
No change since Oct 5, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 5, 2026: 4.13% APYOct 5, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
39 S Livermore Ave Ste 101, Livermore, CA 94550 3119
24 Month Term Certificates
$0
4.11% ▲ 1.13% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.13% above avgNationally 2.88%
Details

Dividend Rate 4.03%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 1.12% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 13, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
Business Certificate 2 year
$0
4.07% ▲ 1.09% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.09% above avgNationally 2.88%
Details

Balance: $200,000.00 and over

Rate History
No change since Sep 30, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 30, 2026: 4.07% APYSep 30, 2026Oct 13, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
IRA Share Certificate & SEP Plan - Certificate 2 year
$0
4.07% ▲ 1.09% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.09% above avgNationally 2.88%
Details

Balance: $200,000.00+

Rate History
No change since Oct 6, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 6, 2026: 4.07% APYOct 6, 2026Oct 13, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
Traditional Certificate 2 year
$0
4.07% ▲ 1.09% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.09% above avgNationally 2.88%
Details

Balance: $200,000.00 and over; Traditional Share Certificate

Rate History
No change since Sep 30, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 30, 2026: 4.07% APYSep 30, 2026Oct 13, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
13304 Alondra Blvd, Cerritos, CA 90703
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.05% ▲ 1.07% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.07% above avgNationally 2.88%
Details

Balance: $200,000.00 and over

Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 21, 2026: 4.05% APYSep 21, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 1.07% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
879 W 190th St, Gardena, CA 90248 4220
Bonus Certificates - 24 Month
$0
4.02% ▲ 1.04% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
879 W 190th St, Gardena, CA 90248 4220
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 1.04% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.04% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
IRA Share Certificate & SEP Plan - Certificate 2 year
$0
4.02% ▲ 1.04% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.04% above avgNationally 2.88%
Details

Balance: $100,000.00 - $199,999.99

Rate History
No change since Oct 6, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 6, 2026: 4.02% APYOct 6, 2026Oct 13, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3807 Broad St, San Luis Obispo, CA 93401
Traditional Certificate 2 year
$0
4.02% ▲ 1.04% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.04% above avgNationally 2.88%
Details

Balance: $100,000.00 - $199,999.99; Traditional Share Certificate

Rate History
No change since Sep 30, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 30, 2026: 4.02% APYSep 30, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
101 Second Street, San Francisco, CA 94105
24-month CD
$1,000
4.00% ▲ 1.02% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
2 Year Term Share Certificate
$500
4.00% ▲ 1.02% above California avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 12, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYSep 25, 2026: 3.75% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.75%
  • Sep 25, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
24-month Certificate - GoldStar
$0
4.00% ▲ 1.02% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
333 RAVENSWOOD AVE, MENLO PARK, CA 94025
Regular Certificate - 2 Year
$1,000
4.00% ▲ 1.02% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

APY (Estimate); New Money is funds not currently on deposit; Early withdrawal penalties may apply

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
13304 Alondra Blvd, Cerritos, CA 90703
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.00% ▲ 1.02% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Balance: $90,000.00 - $199,999.99

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Business Share Certificates
$0
4.00% ▲ 1.02% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.02% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
24 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 1.02% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 1.02% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
1562 S Bascom Ave, San Jose, CA 95125 6108
Jumbo Certificates or more - 24 Month
$0
4.00% ▲ 1.02% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026

California 36 Month CD Rates

MonitorBankRates California Average · 36 Month CD3.01% APY▲ 0.01% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in California is 3.01% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
36 Month Certificate
$1,000
4.50% ▲ 1.49% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
36 Month Elite Jumbo CD
$250,000
4.50% ▲ 1.49% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
36 Month Deferred Compensation Certificate
$50
4.40% ▲ 1.39% above California avg
View
▼
Rate4.31%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details

Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
36 Month Share Certificate
$100,000
4.40% ▲ 1.39% above California avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
36 Month Jumbo CD
$50,000
4.35% ▲ 1.34% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
36 Month Share Certificate
$500
4.30% ▲ 1.29% above California avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.29% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
36-MONTH CD
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
36-MONTH IRA CD
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2514 Via Tejon, Palos Verdes Peninsula, CA 90274
3 Year Online CD
$25,000
4.25% ▲ 1.24% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Compounded Daily; Early Withdrawal Penalty

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 28, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 28, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
3 Year Term Share Certificate
$500
4.25% ▲ 1.24% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
Share Certificate - 36 Month
$1,000
4.25% ▲ 1.24% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
36 Month Share Certificate
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
3 Year IRA Traditional & Roth CD
$500
4.25% ▲ 1.24% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 13, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
36 Month Regular CD
$500
4.25% ▲ 1.24% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
234 Balsam St, Ridgecrest, CA 93555 3856
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.14% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 1.14% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625
3 Years Add-On Certificate
$0
4.15% ▲ 1.14% above California avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
234 Balsam St, Ridgecrest, CA 93555 3856
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.09% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 1.09% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.09% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 1.09% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
3 POLARIS WAY STE 31B, ALISO VIEJO, CA 92656
3 Year Certificate
$1,000
4.07% ▲ 1.06% above California avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.06% above avgNationally 2.81%
Details

Minimum = $1,000; Jumbo certificates over $75,000.00 APY 4.28% (add .20%)

Rate History
1 change since Sep 12, 2026 · 2.53% → 4.07% ▲ 1.54 pts · high 4.07% / low 2.53%
0.99%3.30%5.61%Sep 12, 2026: 2.53% APYOct 8, 2026: 4.07% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20264.07%▲ from 2.53%
  • Sep 12, 20262.53%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
36 Month Certificate
$0
4.07% ▲ 1.06% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.06% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 13, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
13304 Alondra Blvd, Cerritos, CA 90703
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.05% ▲ 1.04% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.04% above avgNationally 2.81%
Details

Balance: $200,000.00 and over

Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 21, 2026: 4.05% APYSep 21, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.04% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 1.04% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
1020 S Brawley Ave, Brawley, CA 92227
36 Month Jumbo Certificate
$100,000
4.05% ▲ 1.04% above California avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 1.04% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
879 W 190th St, Gardena, CA 90248 4220
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.01% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.01% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
879 W 190th St, Gardena, CA 90248 4220
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 1.01% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.01% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
36-month Certificate - GoldStar
$0
4.00% ▲ 0.99% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
333 RAVENSWOOD AVE, MENLO PARK, CA 94025
IRA Certificate - 3 Year
$0
4.00% ▲ 0.99% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
13304 Alondra Blvd, Cerritos, CA 90703
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.00% ▲ 0.99% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Balance: $90,000.00 - $199,999.99

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Business Share Certificates
$0
4.00% ▲ 0.99% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 0.99% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 0.99% above California avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
5901 Gibraltar Dr, Pleasanton, CA 94588
36 Month Fixed-Rate Regular & IRA Certificates
$0
4.00% ▲ 0.99% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Bump certificate

Rate History
1 change since Sep 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 22, 2026: 3.50% APYOct 13, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.50%
  • Sep 22, 20263.50%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
1020 S Brawley Ave, Brawley, CA 92227
36 Month Certificate
$500
4.00% ▲ 0.99% above California avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month IRA Certificates - Jumbo
$0
4.00% ▲ 0.99% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month Share Certificates - Jumbo
$0
4.00% ▲ 0.99% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
36 Month Certificate
$0
3.97% ▲ 0.96% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.96% above avgNationally 2.81%
Details

Balance: $500-$99,999

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 13, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
13304 Alondra Blvd, Cerritos, CA 90703
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.95% ▲ 0.94% above California avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details

Balance: $50,000.00 - $89,999.99

Rate History
No change since Sep 21, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 21, 2026: 3.95% APYSep 21, 2026Oct 13, 2026
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
2580 W Shaw Ln, Fresno, CA 93711 2778
3-Year Share Certificate
$0
3.95% ▲ 0.94% above California avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details

Balance tier: $100,000 minimum

Rate History
1 change since Sep 21, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 21, 2026: 3.45% APYOct 5, 2026: 3.95% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20263.95%▲ from 3.45%
  • Sep 21, 20263.45%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Business Share Certificates
$0
3.95% ▲ 0.94% above California avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 0.94% above California avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month IRA Certificates - Gold
$0
3.95% ▲ 0.94% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month Share Certificates - Gold
$0
3.95% ▲ 0.94% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 13, 2026
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
321 Wabash Ave, Eureka, CA 95501
36-Month Term Share Certificate
$500
3.91% ▲ 0.90% above California avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.90% above avgNationally 2.81%
Details

Effective date 09/1/2026; Early withdrawal penalty: 180 days

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
36-month Certificate
$0
3.90% ▲ 0.89% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
13304 Alondra Blvd, Cerritos, CA 90703
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.90% ▲ 0.89% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 21, 2026: 3.90% APYSep 21, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Business Share Certificates
$0
3.90% ▲ 0.89% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90% ▲ 0.89% above California avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month IRA Certificates - Silver
$0
3.90% ▲ 0.89% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 27, 2026: 3.90% APYSep 27, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month Share Certificates - Silver
$0
3.90% ▲ 0.89% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 27, 2026: 3.90% APYSep 27, 2026Oct 13, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
250 W Colorado Blvd, Arcadia, CA 91007
36 Month Jumbo Certificate
$0
3.90% ▲ 0.89% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 22, 2026: 3.90% APYSep 22, 2026Oct 13, 2026

California 48 Month CD Rates

MonitorBankRates California Average · 48 Month CD3.03% APY▲ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in California is 3.03% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
48 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.72% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 1.72% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
48 Month Share Certificate
$100,000
4.40% ▲ 1.37% above California avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 1.37% above avgNationally 2.80%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
48 Month Share Certificate
$500
4.30% ▲ 1.27% above California avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 1.27% above avgNationally 2.80%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
1020 S Brawley Ave, Brawley, CA 92227
48 Month Jumbo Certificate
$100,000
4.30% ▲ 1.27% above California avg
View
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
3 POLARIS WAY STE 31B, ALISO VIEJO, CA 92656
4 Year Certificate
$1,000
4.28% ▲ 1.25% above California avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.03%▲ 1.25% above avgNationally 2.80%
Details

Minimum = $1,000; Jumbo certificates over $75,000.00 APY 4.49% (add .20%)

Rate History
1 change since Sep 12, 2026 · 2.53% → 4.28% ▲ 1.75 pts · high 4.28% / low 2.53%
0.78%3.41%6.03%Sep 12, 2026: 2.53% APYOct 8, 2026: 4.28% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20264.28%▲ from 2.53%
  • Sep 12, 20262.53%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
48-MONTH CD
$0
4.25% ▲ 1.22% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
48-MONTH IRA CD
$0
4.25% ▲ 1.22% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
4 Year Term Share Certificate
$500
4.25% ▲ 1.22% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
Share Certificate - 48 Month
$1,000
4.25% ▲ 1.22% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
48 Month Share Certificate
$0
4.25% ▲ 1.22% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
1020 S Brawley Ave, Brawley, CA 92227
48 Month Certificate
$500
4.25% ▲ 1.22% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
4180 N Harbor Blvd Ste A, Fullerton, CA 92835 1015
48 Month Promo Certificate
$1,000
4.25% ▲ 1.22% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.22% above avgNationally 2.80%
Details

Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
48 Month Regular CD
$500
4.20% ▲ 1.17% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 1.17% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
48 Month Certificate
$0
4.07% ▲ 1.04% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 1.04% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 13, 2026
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
321 Wabash Ave, Eureka, CA 95501
48-Month Term Share Certificate
$500
4.06% ▲ 1.03% above California avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 1.03% above avgNationally 2.80%
Details

Effective date 09/1/2026; Early withdrawal penalty: 180 days

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month IRA Certificates - Jumbo
$0
4.05% ▲ 1.02% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.02% above avgNationally 2.80%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month Share Certificates - Jumbo
$0
4.05% ▲ 1.02% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.02% above avgNationally 2.80%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
12701 Schabarum Ave, Irwindale, CA 91706
IRA Certificate Accounts - 48 months
$0
4.00% ▲ 0.97% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.03%▲ 0.97% above avgNationally 2.80%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
48-month Certificate - GoldStar
$0
4.00% ▲ 0.97% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.03%▲ 0.97% above avgNationally 2.80%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
333 RAVENSWOOD AVE, MENLO PARK, CA 94025
IRA Certificate - 4 Year
$0
4.00% ▲ 0.97% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.97% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month IRA Certificates - Gold
$0
4.00% ▲ 0.97% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.97% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month Share Certificates - Gold
$0
4.00% ▲ 0.97% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.97% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
48 Month Certificate
$0
3.97% ▲ 0.94% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.94% above avgNationally 2.80%
Details

Balance: $500-$99,999

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
879 W 190th St, Gardena, CA 90248 4220
Bonus Certificates - 48 Month
$0
3.97% ▲ 0.94% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.94% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
879 W 190th St, Gardena, CA 90248 4220
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 0.94% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.94% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month IRA Certificates - Silver
$0
3.95% ▲ 0.92% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.92% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month Share Certificates - Silver
$0
3.95% ▲ 0.92% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.92% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 13, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
250 W Colorado Blvd, Arcadia, CA 91007
48 Month Jumbo Certificate
$0
3.95% ▲ 0.92% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.92% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 22, 2026: 3.95% APYSep 22, 2026Oct 13, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
250 W Colorado Blvd, Arcadia, CA 91007
48 Month Jumbo IRA Certificate
$0
3.95% ▲ 0.92% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.92% above avgNationally 2.80%
Details

APY= Annual Percentage Yield. Rates subject to change without notice.

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969
Share Certificates 48 Months
$0
3.91% ▲ 0.88% above California avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.88% above avgNationally 2.80%
Details

Balance: $10,000

Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 18, 2026: 3.91% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
87 W Alexander Ave, Merced, CA 95348 3404
48 Month IRA Certificate
$100,000
3.90% ▲ 0.87% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
2607 7th St Ste A, Berkeley, CA 94710 2571
4 Year Certificate
$200
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
2607 7th St Ste A, Berkeley, CA 94710 2571
4 Year IRA Step Up Certificate
$200
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 13, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
2607 7th St Ste A, Berkeley, CA 94710 2571
Step Up Certificates - 4 Year
$200
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
48-month Certificate
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
Vida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1520 N Palmetto Ave, Ontario, CA 91762
4 year certificate
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Early W/D Penalty: 180 days

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Vida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1520 N Palmetto Ave, Ontario, CA 91762
IRA Certificate (48 mo)
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Early W/D Penalty: 180 days; Available for Traditional IRAs, Roth IRAs and Education IRAs

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572
Share Certificates - 4 Years
$500
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572
Traditional IRA Certificate - 4 Years
$5
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Traditional & Roth IRA; Rate Type: Fixed; IRA Certificates - Traditional & Roth

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month IRA Certificates - Bronze
$100
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 27, 2026: 3.90% APYSep 27, 2026Oct 13, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Bronze Minimum - 48 month
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 18, 2026: 3.70% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
250 W Colorado Blvd, Arcadia, CA 91007
48 Month Share Certificate
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 22, 2026: 3.90% APYSep 22, 2026Oct 13, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
250 W Colorado Blvd, Arcadia, CA 91007
Regular IRA Certificate - 48 Month
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.87% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969
IRA Share Certificates1 - 48 Months
$0
3.86% ▲ 0.83% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.83% above avgNationally 2.80%
Details

Platinum APR* / APY**

Rate History
No change since Oct 6, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 6, 2026: 3.86% APYOct 6, 2026Oct 13, 2026
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969
Share Certificates 48 Months
$0
3.86% ▲ 0.83% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.83% above avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Sep 18, 2026 · 3.86% APY · checked 3 times
3.36%3.86%4.36%Sep 18, 2026: 3.86% APYSep 18, 2026Oct 13, 2026
Sun Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 48 Month CD
$0
3.85% ▲ 0.82% above California avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.03%▲ 0.82% above avgNationally 2.80%
Details

Jumbo; Interest compounded and credited monthly; Fixed rate; Dividend rate shown as Rate

Rate History
No change since Oct 4, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 4, 2026: 3.85% APYOct 4, 2026Oct 13, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
865 Amena Ct, Chula Vista, CA 91910
48 Month Jumbo Certificates of Deposit
$0
3.82% ▲ 0.79% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.03%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 29, 2026: 3.82% APYSep 29, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
879 W 190th St, Gardena, CA 90248 4220
48 Month IRA Certificates
$0
3.81% ▲ 0.78% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.78% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
879 W 190th St, Gardena, CA 90248 4220
Certificates - 48 Month
$0
3.81% ▲ 0.78% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.03%▲ 0.78% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969
IRA Share Certificates1 - 48 Months
$0
3.81% ▲ 0.78% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.78% above avgNationally 2.80%
Details

Gold APR* / APY**

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026

California 60 Month CD Rates

MonitorBankRates California Average · 60 Month CD3.19% APY▲ 0.02% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in California is 3.19% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
60 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.56% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.56% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
5 Year IRA Certificate - Roth
$500
4.60% ▲ 1.41% above California avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
5 Year IRA Certificate - Traditional
$500
4.60% ▲ 1.41% above California avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
1020 S Brawley Ave, Brawley, CA 92227
60 Month Jumbo Certificate
$100,000
4.55% ▲ 1.36% above California avg
View
▼
Rate4.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.19%▲ 1.36% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.55% APY · checked 5 times
4.05%4.55%5.05%Sep 18, 2026: 4.55% APYSep 18, 2026Oct 13, 2026
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2514 Via Tejon, Palos Verdes Peninsula, CA 90274
5 Year Online CD
$25,000
4.50% ▲ 1.31% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Compounded Daily; Early Withdrawal Penalty

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 28, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 28, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
5 Year Certificate
$1,000
4.50% ▲ 1.31% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
5 Year Term Share Certificate
$500
4.50% ▲ 1.31% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Term: 5 years with Epic Premium Checking; Epic Premium Checking relationship rate

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 4, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
Epic Premium Promotion - 5-year Term Share Certificate
$0
4.50% ▲ 1.31% above California avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Epic Premium account holders enjoy a .25% bonus on a new 5-year Term Share Certificate

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Deferred Compensation Certificate
$50
4.50% ▲ 1.31% above California avg
View
▼
Rate4.40%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
401 W 2nd St, San Bernardino, CA 92401
60 Month Certificate Account
$500
4.50% ▲ 1.31% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Dividends credited monthly; early-withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
401 W 2nd St, San Bernardino, CA 92401
Regular Certificate - 60 Months
$500
4.50% ▲ 1.31% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
5 Year IRA Traditional & Roth CD
$500
4.50% ▲ 1.31% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 13, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
100 Walnut St, Pasadena, CA 91124
60 Month Regular CD
$500
4.50% ▲ 1.31% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
1020 S Brawley Ave, Brawley, CA 92227
60 Month Certificate
$500
4.50% ▲ 1.31% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month IRA Certificate
$0
4.40% ▲ 1.21% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.21% above avgNationally 2.90%
Details

Traditional and Roth IRA; Jumbo

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Traditional IRA Certificate
$0
4.40% ▲ 1.21% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.21% above avgNationally 2.90%
Details

Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA)

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
60 Month Share Certificate
$100,000
4.40% ▲ 1.21% above California avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.21% above avgNationally 2.90%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
3 POLARIS WAY STE 31B, ALISO VIEJO, CA 92656
5 Year Certificate
$1,000
4.39% ▲ 1.20% above California avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.20% above avgNationally 2.90%
Details

Minimum = $1,000; Jumbo certificates over $75,000.00 APY 4.59% (add .20%)

Rate History
1 change since Sep 12, 2026 · 2.53% → 4.39% ▲ 1.86 pts · high 4.39% / low 2.53%
0.67%3.46%6.25%Sep 12, 2026: 2.53% APYOct 8, 2026: 4.39% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20264.39%▲ from 2.53%
  • Sep 12, 20262.53%first recorded
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4493 Ruffin Rd, San Diego, CA 92123
60 Month Certificate
$0
4.35% ▲ 1.16% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.16% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month IRA Certificate
$0
4.35% ▲ 1.16% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.16% above avgNationally 2.90%
Details

Traditional and Roth IRA; Jumbo

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Traditional IRA Certificate
$0
4.35% ▲ 1.16% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.16% above avgNationally 2.90%
Details

Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA)

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
401 W 2nd St, San Bernardino, CA 92401
60 Month Bump-Rate Certificate
$500
4.35% ▲ 1.16% above California avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.16% above avgNationally 2.90%
Details

Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2650 Harrison Ave, Eureka, CA 95501
60 Month Roth IRA Certificates
$0
4.33% ▲ 1.14% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.14% above avgNationally 2.90%
Details

Account 9500; Dividends paid monthly; early withdrawal forfeiture applies

Rate History
No change since Sep 18, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Sep 18, 2026: 4.33% APYSep 18, 2026Oct 13, 2026
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2650 Harrison Ave, Eureka, CA 95501
60 Month Simplified Employee Pension (SEP) IRA Certificates
$0
4.33% ▲ 1.14% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.14% above avgNationally 2.90%
Details

Account 9500; Dividends calculated daily and paid monthly; 60-day dividend forfeiture on early withdrawal for 12-month maturity or less, 90-day for over one year

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2650 Harrison Ave, Eureka, CA 95501
60 Month Traditional IRA Certificates
$0
4.33% ▲ 1.14% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.14% above avgNationally 2.90%
Details

Product code 9500

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month IRA Certificate
$0
4.30% ▲ 1.11% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.11% above avgNationally 2.90%
Details

Traditional and Roth IRA

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.30%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Share Certificate
$0
4.30% ▲ 1.11% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.11% above avgNationally 2.90%
Details

Balance tier: $250,000 Minimum Balance (Jumbo)

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Traditional IRA Certificate
$0
4.30% ▲ 1.11% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.11% above avgNationally 2.90%
Details

Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA)

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
60 Month Share Certificate
$500
4.30% ▲ 1.11% above California avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.11% above avgNationally 2.90%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
60-MONTH CD
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
60-MONTH IRA CD
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
300 Arneill Rd, Camarillo, CA 93010
5 Year Term Share Certificate
$500
4.25% ▲ 1.06% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 18, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
12701 Schabarum Ave, Irwindale, CA 91706
IRA Certificate Accounts - 60 months
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 12, 2026: 4.25% APYSep 12, 2026Oct 13, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
60 Month IRA Certificates
$500
4.25% ▲ 1.06% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
700 Gale Dr, Campbell, CA 95008
Share Certificate - 60 Month
$1,000
4.25% ▲ 1.06% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4926 La Cuenta Dr, San Diego, CA 92124 2609
60 Month Share Certificate
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month IRA Certificate
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Traditional and Roth IRA

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Share Certificate
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Balance tier: $100,000 Minimum Balance (Jumbo)

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Traditional IRA Certificate
$0
4.25% ▲ 1.06% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA)

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month IRA Certificate
$0
4.20% ▲ 1.01% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.01% above avgNationally 2.90%
Details

Traditional and Roth IRA

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Share Certificate
$0
4.20% ▲ 1.01% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.01% above avgNationally 2.90%
Details

Balance tier: $50,000 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Traditional IRA Certificate
$0
4.20% ▲ 1.01% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 1.01% above avgNationally 2.90%
Details

Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA)

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
AdelFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
60 Month Ministry - Business Term Share Certificate
$100,000
4.20% ▲ 1.01% above California avg
View
▼
Rate4.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.19%▲ 1.01% above avgNationally 2.90%
Details

$100,000; Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.

Rate History
No change since Oct 1, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 1, 2026: 4.20% APYOct 1, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
87 W Alexander Ave, Merced, CA 95348 3404
60 Month Certificate of Deposit
$100,000
4.15% ▲ 0.96% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.19%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
87 W Alexander Ave, Merced, CA 95348 3404
60 Month IRA Certificate
$100,000
4.15% ▲ 0.96% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.19%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 2, 2026: 4.00% APYOct 7, 2026: 4.15% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 4.00%
  • Oct 2, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Share Certificate
$0
4.15% ▲ 0.96% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 0.96% above avgNationally 2.90%
Details

Balance tier: $20,000 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 14, 2026: 3.95% APYSep 29, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.15%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
AdelFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
60 Month Ministry - Business Term Share Certificate
$50,000
4.15% ▲ 0.96% above California avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.19%▲ 0.96% above avgNationally 2.90%
Details

$50,000; Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.

Rate History
No change since Oct 1, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 1, 2026: 4.15% APYOct 1, 2026Oct 13, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
2115 N Broadway, Santa Ana, CA 92706
60 Month Share Certificate
$0
4.10% ▲ 0.91% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.19%▲ 0.91% above avgNationally 2.90%
Details

Balance tier: $500 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYSep 29, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 0.91% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.19%▲ 0.91% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
AdelFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
60 Month Ministry - Business Term Share Certificate
$10,000
4.10% ▲ 0.91% above California avg
View
▼
Rate4.02%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.19%▲ 0.91% above avgNationally 2.90%
Details

$10,000; Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.

Rate History
No change since Oct 1, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 1, 2026: 4.10% APYOct 1, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from California Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Happen Bank
2 Year Consumer Certificate of Deposit
A+ 5.0 ★ TX: 2.06%
Min: $500
4.60%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Malaga Bank
5 Year Online CD
A+ 5.0 ★ TX: 0.00%
Min: $25,000
4.50%
HSBC Bank USA
24 Month CD
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.45%
Monterey County Bank
12-Month CD Special
A+ 5.0 ★ TX: 4.07%
Min: $100,000
4.44%
CU Top 5 Credit Union Rates
Schools Federal Credit Union
12 Month Relationship Certificate
A+ 5.0 ★ TX: 1.87%
Min: $0
5.90%
Sage Credit Union
12 Month Pathfinder Term Share Certificate
A+ 5.0 ★ TX: 5.70%
Min: $100
5.00%
LA Healthcare Federal Credit Union
12 Month Certificates
A+ 5.0 ★ TX: 3.47%
Min: $0
5.00%
Skyla Federal Credit Union
48 Month Elite Jumbo CD
A 5.0 ★ TX: 9.56%
Min: $250,000
4.75%
Stanford Federal Credit Union
12-Month Certificate
A+ 5.0 ★ TX: 1.30%
Min: $100
4.70%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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California CD Rate Trends

Compare local California CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full California CD Trends
12-Month CD CA Avg
3.143%
▲ 0.030 vs 7 days ago

California 12-month CD rates rose 0.030 points over the past 7 days to 3.143% APY.

6-Month CD CA Avg
2.941%
▼ 0.002 vs 7 days ago

California 6-month CD rates fell 0.002 points over the past 7 days to 2.941% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

CA CD Rate Forecast, Next 12 Months

Where are California CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

CA 12-Month Avg APY
3.143%
6-Month Forecast
3.143%
Range: 2.94%, 3.29%
12-Month Forecast
3.393%
Range: 3.19%, 3.54%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the California average 12-month CD APY in our database.

Spread model: The California 12-month CD average currently trades 1.23% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at CA CD Rates Today

Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.

CD Term CA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.380% $119.02 $238.03 $595.08 $1,190.15
6-Month CD 2.941% $147.04 $294.08 $735.20 $1,470.40
12-Month CD 3.143% $157.13 $314.26 $785.65 $1,571.30
18-Month CD 3.093% $154.67 $309.34 $773.35 $1,546.70
24-Month CD 2.982% $149.08 $298.16 $745.40 $1,490.80
36-Month CD 3.010% $150.48 $300.97 $752.43 $1,504.85
48-Month CD 3.026% $151.30 $302.60 $756.50 $1,513.00
60-Month CD 3.194% $159.70 $319.40 $798.50 $1,597.00
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for California Savers

$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit CA Avg APY Annual Earnings
1 3-Month CD $5,000 2.380% $119.02
2 6-Month CD $5,000 2.941% $147.04
3 12-Month CD $5,000 3.143% $157.13
4 24-Month CD $5,000 2.982% $149.08
5 36-Month CD $5,000 3.010% $150.48
Total ($25,000 invested) $25,000 2.891% blended $722.75/yr

Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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3,148
CD Rates
Tracked in California
30 Banks 96 Credit Unions

About Our California CD Rate Database

MonitorBankRates tracks 3,148 CD rates from 30 banks and 96 credit unions with locations in California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Schools Federal Credit Union offers a CD at 5.90% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in California.

How to Find the Best CD Rates in California

What to compare when shopping for a CD in California

To find the best APYs in California, start with credit unions and online-only banks: California has 96 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in California

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in California: 126 institutions here report CD rates

Consider an Alternative If…

California Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
15.7%
National avg: 17.3%
Median Individual Earnings
$49,032
National avg: $47,340
Poverty Rate
12.0%
National avg: 11.1%
Unemployment Rate
6.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$154/yr
At CA 12-mo avg 3.143% APY

15.7% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.6% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 3.143%, saving 10% of the local median salary ($4,903/year) and putting it in a CD would earn an additional $154 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in California

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in California

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in California as everywhere in the U.S.

Choosing a CD Term in California

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give California savers easier access to their funds. For example, F&A Federal Credit Union is offering its 6 Month Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Skyla Federal Credit Union is offering its 60 Month Elite Jumbo CD at 4.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for California Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in California

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in California

Most CDs carry a fixed rate that is locked for the entire term, protecting a California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in California

Are CD rates in California FDIC insured?

Yes, most established banks in California are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in California?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in California.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in California may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in California?

Here are recent top rates found for this area:
  • Schools Federal Credit Union: 5.90% APY (12 Month Relationship Certificate)
  • Sage Credit Union: 5.00% APY (12 Month Pathfinder Term Share Certificate)
  • LA Healthcare Federal Credit Union: 5.00% APY (12 Month Certificates)
  • Skyla Federal Credit Union: 4.75% APY (48 Month Elite Jumbo CD)
  • Stanford Federal Credit Union: 4.70% APY (12-Month Certificate)
  • Happen Bank: 4.60% APY (2 Year Consumer Certificate of Deposit)
  • Honda Federal Credit Union: 4.60% APY (5 Year IRA Certificate - Roth)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Corazo Credit Union: 4.55% APY (60 Month Jumbo Certificate)
  • Malaga Bank: 4.50% APY (5 Year Online CD)
Rates reflect recent verified offers available in California. Last Updated: October 13, 2026

California CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top California CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in California. Averages shown use the California state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for California

California CD Calculator

At today’s CA top rate of 5.90% APY, a $10,000 deposit earns $590 in the first year. Enter your amount to see your exact return.

California CD Ladder

CA CD rates currently range from 2.380% (3-month) to 3.010% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a California CD at 5.90% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

California’s average 12-month CD is 3.143% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our California CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

California Rates & Resources

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Cities in California

  • Acampo
  • Acton
  • Adelanto
  • Adin
  • Agoura Hills
  • Aguanga
  • Ahwahnee
  • Alameda
  • Alamo
  • Albany
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  • Ballico
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  • Highland
  • Hillsborough
  • Hilmar
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  • Holt
  • Holtville
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  • Hornitos
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  • Hume
  • Huntington Beach
  • Huntington Park
  • Huron
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  • Idyllwild
  • Igo
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  • Imperial Beach
  • Independence
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  • Inglewood
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  • Isleton
  • Ivanhoe
  • Jackson
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  • Jamul
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  • Jenner
  • Johannesburg
  • Jolon
  • Joshua Tree
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  • Keyes
  • King City
  • Kings Beach
  • Kings Canyon National Pk
  • Kingsburg
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  • Kit Carson
  • Klamath
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  • Kneeland
  • Knights Landing
  • Knightsen
  • Korbel
  • Kyburz
  • La Canada Flintridge
  • La Crescenta
  • La Grange
  • La Habra
  • La Habra Heights
  • La Honda
  • La Jolla
  • La Mesa
  • La Mirada
  • La Palma
  • La Presa
  • La Puente
  • La Quinta
  • La Verne
  • Ladera Ranch
  • Lafayette
  • Laguna Beach
  • Laguna Hills
  • Laguna Niguel
  • Laguna Woods
  • Lagunitas
  • Lake Arrowhead
  • Lake City
  • Lake Elsinore
  • Lake Forest
  • Lake Hughes
  • Lake Isabella
  • Lake of the Woods
  • Lakehead
  • Lakeport
  • Lakeshore
  • Lakeside
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  • Lamont
  • Lancaster
  • Landers
  • Larkspur
  • Lathrop
  • Laton
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  • Laytonville
  • Le Grand
  • Lebec
  • Lee Vining
  • Leggett
  • Lemon Cove
  • Lemon Grove
  • Lemoore
  • Lewiston
  • Likely
  • Lincoln
  • Lincoln Acres
  • Linden
  • Lindsay
  • Litchfield
  • Little Lake
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