What are the best CD rates in California?

Here are recent top rates found for this area: Schools Federal Credit Union : 5.90% APY (Relationship Certificate(12 months)) Corazo Credit Union : 4.50% APY (60 Month Certificate) Premier One Credit Union : 4.50% APY (24-month IRA Traditional & Roth Share Certificates) CBC Federal Credit Union : 4.25% APY (1-Year IRA Term Share Certificates) Thinkwise Federal Credit Union : 4.25% APY (Gen-T Term Share Certificate* 12 Months) U S POSTAL SERVICE : 4.25% APY (IRA Certificates 1 Year Starter Add-On) CIBC : 4.15% APY (18-month CD) United Fidelity Bank : 4.15% APY (6-Month CD Term) Noble Federal Credit Union : 4.13% APY (1-2 Year Share Certificate) Central Valley Firefighters Credit Union : 4.12% APY (IRA - 12 Month Certificate)

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

MonitorBankRates

☰

iAdvertiser Disclosure

California CD Rates Today - Compare Best APYs for June 2026

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty — often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

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

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in California.

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

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: June 9, 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: 1.27%Real return: +3.10%APY minus CPI (February 2026) offering Relationship Certificate(12 months) at 5.90% APY, Premier One Credit UnionPremier One Credit Union5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633A+5.0 ★Texas Ratio: 1.52%Real return: +1.70%APY minus CPI (February 2026) offering 24-month IRA Traditional & Roth Share Certificates at 4.50% APY, Corazo Credit UnionCorazo Credit Union1020 S Brawley Ave, Brawley, CA 92227A5.0 ★Texas Ratio: 7.90%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate at 4.50% APY, CBC Federal Credit UnionCBC Federal Credit Union300 Arneill Rd, Camarillo, CA 93010A+5.0 ★Texas Ratio: 3.89%Real return: +1.45%APY minus CPI (February 2026) offering 1-Year IRA Term Share Certificates at 4.25% APY, and Thinkwise Federal Credit UnionThinkwise Federal Credit Union599 N E St, San Bernardino, CA 92401A+5.0 ★Texas Ratio: 3.14%Real return: +1.45%APY minus CPI (February 2026) offering Gen-T Term Share Certificate* 12 Months at 4.25% APY. CD rates as of June 9, 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 — 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: June 9, 2026

Compare Best CD Rates in California

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

California 3 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

EverTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

13191 Crossroads Pkwy N, City Of Industry, CA 91746

SHINE WITH SUMMER CD - 3 Months

$5,000

3.85%

View

▼

Rate—

Min Deposit$5,000

Min Balance—

UpdatedJun 3, 2026

Details

Annual Percentage Yield. Term and Conditions apply. Click "Learn More" to see offer details.

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

3 Month Share Certificate

3.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

*APY: Annual Percentage Yield

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

3 Month Term Certificates

$1,000

3.75%

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

UpdatedMay 29, 2026

Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

Share Certificates 3 Month

$1,000

3.75%

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

UpdatedMay 29, 2026

Details

Term Certificates (Minimum to Open $1,000.00)

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Business Liquid Certificate 3 Month

3.65%

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Liquid Certificate 3 Month

3.65%

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 17.71%

14550 Aviation Blvd, Hawthorne, CA 90250

3-Month Share Certificate

$100,000

3.60%

View

▼

Rate3.54%

Min Deposit$100,000

Min Balance—

UpdatedMay 22, 2026

Details

$100,000 Minimum to Earn APY

EverBank

Institution Rating:

B4.5 ★Texas Ratio: 20.65%

400 Montgomery St, San Francisco, CA 94104

3 month

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

Heritage Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.79%

10415 Old Placerville Rd, Sacramento, CA 95827 2508

Share Certificates 3 month

3.55%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 3.76%

2000 University Ave, East Palo Alto, CA 94303

3-Month CD

3.55%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

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

EverTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

13191 Crossroads Pkwy N, City Of Industry, CA 91746

3 Months

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

Provident Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.93%

303 Twin Dolphin Dr, Redwood City, CA 94065 1497

3 Month Pick-A-Term Certificates

$10,000

3.50%

View

▼

Rate3.44%

Min Deposit$10,000

Min Balance—

UpdatedMay 31, 2026

Details

Thinkwise Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.14%

599 N E St, San Bernardino, CA 92401

3 Months Term Share Certificate

$500

3.50%

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

UpdatedMay 29, 2026

Details

Provident Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.93%

303 Twin Dolphin Dr, Redwood City, CA 94065 1497

3 Month IRA Pick-A-Term Certificates

$10,000

3.50%

View

▼

Rate3.44%

Min Deposit$10,000

Min Balance—

UpdatedMay 31, 2026

Details

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Consumer Certificates and IRA Certificates 3 Month

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Business Certificates 3 Month

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Gold Minimum 3 month

$50,000

3.45%

View

▼

Rate3.39%

Min Deposit$50,000

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

Diablo Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.16%

1051 Detroit Ave Ste A, Concord, CA 94518 2457

90 Day Certificate Special

$10,000

3.41%

View

▼

Rate—

Min Deposit$10,000

Min Balance—

UpdatedMay 22, 2026

Details

balances $10,000 - $100,000

Diablo Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.16%

1051 Detroit Ave Ste A, Concord, CA 94518 2457

90 Days Certificate Account and IRA Account: Fixed Rate

$10,000

3.41%

View

▼

Rate3.34%

Min Deposit$10,000

Min Balance—

UpdatedMay 22, 2026

Details

$100,000 per member maximum

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Silver Minimum 3 month

3.40%

View

▼

Rate3.34%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

SESLOC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.98%

3807 Broad St, San Luis Obispo, CA 93401

Business Share Certificates 3 months

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

EverTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

13191 Crossroads Pkwy N, City Of Industry, CA 91746

3 Months

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Bronze Minimum 3 month

3.35%

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$2,500

SESLOC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.98%

3807 Broad St, San Luis Obispo, CA 93401

Business Share Certificates 3 months

3.35%

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Chevron Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2600 Camino Ramon Ste CF120, San Ramon, CA 94583

3 Month Certificate

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

EverTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

13191 Crossroads Pkwy N, City Of Industry, CA 91746

3 Months

3.30%

View

▼

Rate3.26%

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

SESLOC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.98%

3807 Broad St, San Luis Obispo, CA 93401

Business Share Certificates 3 months

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

8101 E Kaiser Blvd, Anaheim, CA 92808 2243

3 Month Certificate

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Rewards+ Loyalty Program

USC Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.50%

3720 S Flower St FL 4, Los Angeles, CA 90089

3 Months Share Certificates

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Fremont Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.54%

39150 Fremont Blvd, Fremont, CA 94538

3 Month

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

Murphy Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.88%

5180 N Palm Ave, Fresno, CA 93704

3 Months

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedJun 5, 2026

Details

Diablo Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.16%

1051 Detroit Ave Ste A, Concord, CA 94518 2457

90 Days Certificate Account and IRA Account: Fixed Rate

$1,000

3.15%

View

▼

Rate3.10%

Min Deposit$1,000

Min Balance—

UpdatedMay 22, 2026

Details

$100,000 per member maximum

Citizens Equity First Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.36%

670 Lincoln Ave, San Jose, CA 95126 3704

3 MONTHS Certificate Accounts

3.10%

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Citizens Equity First Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.36%

670 Lincoln Ave, San Jose, CA 95126 3704

HSA Certificate Accounts 3 MONTHS

3.10%

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Inland Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

9389 Cherry Ave, Fontana, CA 92335

90 DAY CERTIFICATE

$90,000

3.10%

View

▼

Rate—

Min Deposit$90,000

Min Balance—

UpdatedJun 7, 2026

Details

Sunward

Institution Rating:

A+5.0 ★Texas Ratio: 3.78%

39 S Livermore Ave Ste 101, Livermore, CA 94550 3119

3 months

3.10%

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

UpdatedJun 7, 2026

Details

Inland Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

9389 Cherry Ave, Fontana, CA 92335

90 DAY CERTIFICATE

$50,000

3.08%

View

▼

Rate—

Min Deposit$50,000

Min Balance—

UpdatedJun 7, 2026

Details

Inland Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

9389 Cherry Ave, Fontana, CA 92335

90 DAY CERTIFICATE

$10,000

3.06%

View

▼

Rate—

Min Deposit$10,000

Min Balance—

UpdatedJun 7, 2026

Details

Huntington Beach Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.91%

2000 Main St # B272, Huntington Beach, CA 92648 2702

3-Month CD

$50,000

3.05%

View

▼

Rate—

Min Deposit$50,000

Min Balance—

UpdatedMay 23, 2026

Details

EverBank

Institution Rating:

B4.5 ★Texas Ratio: 20.65%

400 Montgomery St, San Francisco, CA 94104

CDARS? CDs 3 month

3.05%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

Funding Limit*: $12M

UNCLE Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.15%

2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301

Business 3 Month Certificate

3.04%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

UNCLE Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.15%

2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301

Share Certificates 3 Month

3.04%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

UNCLE Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.15%

2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301

Youth Certificates 3 Month

3.04%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Inland Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.46%

9389 Cherry Ave, Fontana, CA 92335

90 DAY CERTIFICATE

$1,000

3.03%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 7, 2026

Details

California Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.58%

8815 Folsom Blvd, Sacramento, CA 95826

3 Month Term Account

3.00%

View

▼

Rate2.97%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

The Golden 1 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.04%

8945 Cal Center Dr, Sacramento, CA 95826 3239

3 Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Sacramento Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.16%

800 H St, Sacramento, CA 95814 2607

3-MONTH Certificate

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

IRA not Eligible

Murphy Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.88%

5180 N Palm Ave, Fresno, CA 93704

3 Months

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedJun 5, 2026

Details

The First Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

8750 Central Ave, Montclair, CA 91763 5100

Share / IRA Certificates / Roth / Educational IRA Certificates 3 Months

$500

2.95%

View

▼

Rate2.92%

Min Deposit$500

Min Balance—

UpdatedMay 23, 2026

Details

LASSEN COUNTY

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

2605 Riverside Dr, Susanville, CA 96130

IRA Certificates 3 Months

2.90%

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

California 6 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

United Fidelity Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.81%

249 E Ocean Blvd, Long Beach, CA 90802

6-Month CD Term

4.15%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 5, 2026

Details

A minimum deposit of $1,000 is required to open a CD | Rates subject to change | Member FDIC

Golden Bank National Association

Institution Rating:

A+5.0 ★Texas Ratio: 3.27%

17458 Colima Rd, Rowland Heights, CA 91748

180-Day CD

$20,000

4.05%

View

▼

Rate—

Min Deposit$20,000

Min Balance—

UpdatedJun 3, 2026

Details

Requires a minimum $20,000 deposit of new money. Promotion period: Effective immediately through June 30, 2026.

Citizens National Bank of Texas

Institution Rating:

A+5.0 ★Texas Ratio: 5.08%

3080 N Lake Blvd, Tahoe City, CA 96145

6 month CD

$1,000

4.04%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

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

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

6-month Certificate GoldStar? Membership

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

LendingClub

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

595 Market St, San Francisco, CA 94105

6 Month Certificates of Deposit

$500

3.90%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMay 21, 2026

Details

LendingClub

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

595 Market St, San Francisco, CA 94105

Consumer Certificate of Deposit 6 months

$500

3.90%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMay 21, 2026

Details

Aerospace Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

2310 E El Segundo Blvd, El Segundo, CA 90245

6-month Share Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

6-month Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

6 Month Share Certificate

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$100,000 and over

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

6 Months Share Certificate

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 6 Month IRA

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Direct Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.62%

5601 E La Palma Ave, Anaheim, CA 92807 2109

6 Month Certificate

3.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

New Money Only

EverBank

Institution Rating:

B4.5 ★Texas Ratio: 20.65%

400 Montgomery St, San Francisco, CA 94104

6 month

3.70%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

Direct Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.62%

5601 E La Palma Ave, Anaheim, CA 92807 2109

6 Month Certificate

$250

3.70%

View

▼

Rate—

Min Deposit$250

Min Balance—

UpdatedMay 29, 2026

Details

New Money Only; 3.75% APY?balances $100,000+

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 6 Month IRA

3.70%

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

6 Months Share Certificate

3.70%

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

6 Month Share Certificate

3.70%

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$50,000 - $99,999.99

Frontwave Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

2454 Vista Way, Oceanside, CA 92054

6-Month Share Certificate

3.65%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

promotional offer

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

6 Month Share Certificate

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$1,000 - $49,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

6 Months Share Certificate

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 6 Month IRA

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

EverTrust Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

13191 Crossroads Pkwy N, City Of Industry, CA 91746

SHINE WITH SUMMER CD - 6 Months

$5,000

3.65%

View

▼

Rate—

Min Deposit$5,000

Min Balance—

UpdatedJun 3, 2026

Details

Annual Percentage Yield. Term and Conditions apply. Click "Learn More" to see offer details.

Murphy Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.88%

5180 N Palm Ave, Fresno, CA 93704

6 Months

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedJun 5, 2026

Details

Sunward

Institution Rating:

A+5.0 ★Texas Ratio: 3.78%

39 S Livermore Ave Ste 101, Livermore, CA 94550 3119

6 months

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedJun 7, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus Certificates 6 Month

3.60%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

EverBank

Institution Rating:

B4.5 ★Texas Ratio: 20.65%

400 Montgomery St, San Francisco, CA 94104

6 month

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

Star One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

1306 Bordeaux Dr, Sunnyvale, CA 94089 1005

Certificate Account 6-Month

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

445 N Bedford Dr, Beverly Hills, CA 90210

New Money CD - 6 Month

$1,000

3.60%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Gold Minimum 6 month

$50,000

3.60%

View

▼

Rate3.54%

Min Deposit$50,000

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Gold Minimum 6 month

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

CIBC

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

101 Second Street, San Francisco, CA 94105

6-month CD

$1,000

3.56%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

Community First Credit Union

Institution Rating:

B4.6 ★Texas Ratio: 17.60%

526 S State St, Ukiah, CA 95482

6 months Share Certificate

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

445 N Bedford Dr, Beverly Hills, CA 90210

HSBC Wealth Center/Telephone Deposit Account APYs: CDs - 6 Month

$1,000

3.55%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

Certified Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.50%

3550 Murphy Canyon Rd, San Diego, CA 92123

6-Month Jumbo Share Certificate

$10,000

3.55%

View

▼

Rate—

Min Deposit$10,000

Min Balance—

UpdatedMay 29, 2026

Details

$10,000

Ohio Healthcare Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.07%

8985 Balboa Ave, San Diego, CA 92123

6 Month

3.55%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Actors Federal Credit Union

Institution Rating:

B+4.8 ★Texas Ratio: 16.47%

5757 Wilshire Blvd, Los Angeles, CA 90036 3684

6-Month Special Certificate Account

3.55%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Sun Pacific Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.58%

1221 Nevin Ave, Richmond, CA 94801 3123

6-month Share Certificate or more

$10,000

3.55%

View

▼

Rate—

Min Deposit$10,000

Min Balance—

UpdatedMay 22, 2026

Details

$10,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Silver Minimum 6 month

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Silver Minimum 6 month

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

Heritage Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.79%

10415 Old Placerville Rd, Sacramento, CA 95827 2508

Share Certificates 6 month

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

445 N Bedford Dr, Beverly Hills, CA 90210

Online Certificate of Deposit - 6 Month

$1,000

3.55%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

Central Valley Firefighters Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.65%

5300 N FRESNO ST, FRESNO, CA 93710 6828

IRA - 6 Month Certificate

3.54%

View

▼

Rate3.48%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

6 Month Share Certificate

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

*APY: Annual Percentage Yield

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

6 Month

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 3.76%

2000 University Ave, East Palo Alto, CA 94303

6-Month Fixed Rate CD

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 3.76%

2000 University Ave, East Palo Alto, CA 94303

6-Month CD

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

Earn 3.50% APY on balances of $500 or more.

Provident Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.93%

303 Twin Dolphin Dr, Redwood City, CA 94065 1497

6 Month Pick-A-Term Certificates

$10,000

3.50%

View

▼

Rate3.44%

Min Deposit$10,000

Min Balance—

UpdatedMay 31, 2026

Details

Provident Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.93%

303 Twin Dolphin Dr, Redwood City, CA 94065 1497

6 Month IRA Pick-A-Term Certificates

$10,000

3.50%

View

▼

Rate3.44%

Min Deposit$10,000

Min Balance—

UpdatedMay 31, 2026

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

Share Certificates 6 Month

$1,000

3.50%

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

UpdatedMay 29, 2026

Details

Term Certificates (Minimum to Open $1,000.00)

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

IRA Certificates 6 Month

$500

3.50%

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

UpdatedMay 29, 2026

Details

Minimum to Open $500.00

California 12 Month CD Rates

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: 1.27%

20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306

Relationship Certificate(12 months)

$500

5.90%

View

▼

Rate5.75%

Min Deposit$500

Min Balance—

UpdatedMay 22, 2026

Details

CBC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

300 Arneill Rd, Camarillo, CA 93010

1-Year IRA Term Share Certificates

$500

4.25%

View

▼

Rate4.17%

Min Deposit$500

Min Balance—

UpdatedMay 29, 2026

Details

Thinkwise Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.14%

599 N E St, San Bernardino, CA 92401

Gen-T Term Share Certificate* 12 Months

4.25%

View

▼

Rate4.16%

Min Deposit$5

Min Balance—

UpdatedMay 29, 2026

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.34%

444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625

IRA Certificates 1 Year Starter Add-On

4.25%

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Central Valley Firefighters Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.65%

5300 N FRESNO ST, FRESNO, CA 93710 6828

IRA - 12 Month Certificate

4.12%

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Aerospace Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

2310 E El Segundo Blvd, El Segundo, CA 90245

12-month Loyalty Share Certificate

4.10%

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.34%

444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625

1 Year Add-On Certificate

4.10%

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.34%

444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625

1 Year Add-On Starter Certificate

4.10%

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.27%

20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306

12 Months Term Certificate

$90,000

4.04%

View

▼

Rate3.97%

Min Deposit$90,000

Min Balance—

UpdatedMay 22, 2026

Details

CIBC

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

101 Second Street, San Francisco, CA 94105

12-month CD

$1,000

4.00%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

12-month Certificate GoldStar? Membership

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

SMW 104 Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

3156 Constitution Dr, Livermore, CA 94551 7570

Youth Share Certificate 12 Months

$50

4.00%

View

▼

Rate3.91%

Min Deposit$50

Min Balance—

UpdatedMay 22, 2026

Details

SMW 104 Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

3156 Constitution Dr, Livermore, CA 94551 7570

Teen Share Certificate 12 Months

4.00%

View

▼

Rate3.91%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

12-month IRA Traditional & Roth Share Certificates

$1,000

4.00%

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

Aerospace Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

2310 E El Segundo Blvd, El Segundo, CA 90245

12-month Share Certificate

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.27%

20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306

12 Months Term Certificate

$500

3.92%

View

▼

Rate3.85%

Min Deposit$500

Min Balance—

UpdatedMay 22, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

1 Year Retirement Share Certificate

3.91%

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$10,000 - $49,999.99

Kinecta Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.77%

1440 Rosecrans Ave, Manhattan Beach, CA 90266

12-Month Jumbo Promo Certificate

$100,000

3.90%

View

▼

Rate—

Min Deposit$100,000

Min Balance—

UpdatedMay 22, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

12-month Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Jumbo Certificate 12-Month

3.85%

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $100,000

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Mini-Jumbo Certificate 12-Month

3.85%

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $50,000

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Standard 12-Month

3.85%

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $1,000

The First Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

8750 Central Ave, Montclair, CA 91763 5100

Promotional IRA Certificates / Roth / Educational IRA Certificates 12 Months

3.85%

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Dividends paid annually and at maturity

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus IRA Certificates 12 Month

3.84%

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus Certificates 12 Month

3.84%

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

USC Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.50%

3720 S Flower St FL 4, Los Angeles, CA 90089

IRA 12 Month Certificate

3.84%

View

▼

Rate3.77%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Citizens National Bank of Texas

Institution Rating:

A+5.0 ★Texas Ratio: 5.08%

3080 N Lake Blvd, Tahoe City, CA 96145

12 month CD

$1,000

3.82%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

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

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

1 Year Rookie Share Certificate

3.80%

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

1 Year Share Certificate

3.80%

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$1,000 - $49,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

12 Month Share Certificate

3.80%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 1 Year IRA

3.80%

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

USC Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.50%

3720 S Flower St FL 4, Los Angeles, CA 90089

12 Months Share Certificates

3.79%

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Safe 1 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.41%

1400 Mill Rock Way, Bakersfield, CA 93311

12-Month Variable Rate Certificate

3.77%

View

▼

Rate3.71%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Chevron Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2600 Camino Ramon Ste CF120, San Ramon, CA 94583

12-Month Share Certificate

$500

3.75%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedJun 9, 2026

Details

Chevron Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2600 Camino Ramon Ste CF120, San Ramon, CA 94583

12 Month Certificate

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Strata Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

1717 Truxtun Ave, Bakersfield, CA 93301 5102

12 Months

$100

3.75%

View

▼

Rate3.68%

Min Deposit$100

Min Balance—

UpdatedJun 7, 2026

Details

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

445 N Bedford Dr, Beverly Hills, CA 90210

New Money CD - 12 Month

$1,000

3.75%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

Kinecta Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.77%

1440 Rosecrans Ave, Manhattan Beach, CA 90266

12-Month Promotional Certificate1(Personal) Regular

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

UPS Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572

1 Year Youth Share Certificates

$250

3.75%

View

▼

Rate3.69%

Min Deposit$250

Min Balance—

UpdatedMay 22, 2026

Details

Kinecta Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.77%

1440 Rosecrans Ave, Manhattan Beach, CA 90266

12-Month Promotional Certificate1(Business) Jumbo

$100,000

3.75%

View

▼

Rate3.69%

Min Deposit$100,000

Min Balance—

UpdatedMay 22, 2026

Details

Kinecta Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.77%

1440 Rosecrans Ave, Manhattan Beach, CA 90266

12-Month Promo Certificate

$100

3.75%

View

▼

Rate—

Min Deposit$100

Min Balance—

UpdatedMay 22, 2026

Details

Kinecta Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.77%

1440 Rosecrans Ave, Manhattan Beach, CA 90266

12-Month Jumbo Promo Certificate

$100

3.75%

View

▼

Rate—

Min Deposit$100

Min Balance—

UpdatedMay 22, 2026

Details

Modestos First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

430 12th St, Modesto, CA 95354 2423

Share Certificates 12 Months

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Self-Help Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.55%

2256 Patterson Rd, Riverbank, CA 95367 9647

1-Year Certificate

3.72%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Ventura County Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.96%

6026 Telephone Rd, Ventura, CA 93003 5332

Get Fit IRA 1 Year Certificate

$1,000

3.70%

View

▼

Rate3.64%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Gold Minimum 12 month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Gold Minimum 12 month

$50,000

3.70%

View

▼

Rate3.63%

Min Deposit$50,000

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

445 N Bedford Dr, Beverly Hills, CA 90210

HSBC Wealth Center/Telephone Deposit Account APYs: CDs - 12 Month

$1,000

3.70%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

445 N Bedford Dr, Beverly Hills, CA 90210

Online Certificate of Deposit - 12 Month

$1,000

3.70%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

YOUth Boost 12-Month

3.69%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

California 18 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

18-month IRA Traditional & Roth Share Certificates

$1,000

4.15%

View

▼

Rate4.07%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

CIBC

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

101 Second Street, San Francisco, CA 94105

18-month CD

$1,000

4.15%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

Featured rate.

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 18 Month IRA

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

18-month Certificate GoldStar? Membership

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.27%

20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306

18 Months Term Certificate

$90,000

3.98%

View

▼

Rate3.91%

Min Deposit$90,000

Min Balance—

UpdatedMay 22, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 18 Month IRA

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 18 Month IRA

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

18-month Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 17.71%

14550 Aviation Blvd, Hawthorne, CA 90250

IRA Certificate Term 18-Month Variable

$100,000

3.89%

View

▼

Rate3.82%

Min Deposit$100,000

Min Balance—

UpdatedMay 22, 2026

Details

$100,000 Minimum to Earn APY

Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.27%

20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306

18 Months Term Certificate

$500

3.83%

View

▼

Rate3.76%

Min Deposit$500

Min Balance—

UpdatedMay 22, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Gold Minimum 18 month

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Gold Minimum 18 month

$50,000

3.75%

View

▼

Rate3.68%

Min Deposit$50,000

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

AltaOne Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.07%

701 S China Lake Blvd, Ridgecrest, CA 93555 5027

18 Month Bump

3.71%

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

UpdatedJun 7, 2026

Details

Chevron Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2600 Camino Ramon Ste CF120, San Ramon, CA 94583

18 Month Certificate

3.70%

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Silver Minimum 18 month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Silver Minimum 18 month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Bronze Minimum 18 month

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$100

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Bronze Minimum 18 month

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$2,500

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

18-month Share Certificate

$1,000

3.60%

View

▼

Rate3.54%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

Aerospace Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

2310 E El Segundo Blvd, El Segundo, CA 90245

18-month Share Certificate

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Chevron Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2600 Camino Ramon Ste CF120, San Ramon, CA 94583

18 Month Certificate

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

AltaOne Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.07%

701 S China Lake Blvd, Ridgecrest, CA 93555 5027

18 Month Bump

3.56%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedJun 7, 2026

Details

The First Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

8750 Central Ave, Montclair, CA 91763 5100

Promotional IRA Certificates / Roth / Educational IRA Certificates 18 Months

3.55%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Dividends paid annually and at maturity

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

8101 E Kaiser Blvd, Anaheim, CA 92808 2243

18 Month Certificate

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Rewards+ Loyalty Program

Ohio Healthcare Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.07%

8985 Balboa Ave, San Diego, CA 92123

IRA Share Certificates 18 Month

3.50%

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Ohio Healthcare Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.07%

8985 Balboa Ave, San Diego, CA 92123

18 Month

3.50%

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

LendingClub

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

595 Market St, San Francisco, CA 94105

Consumer Certificate of Deposit 18 months

$500

3.50%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedMay 21, 2026

Details

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

8101 E Kaiser Blvd, Anaheim, CA 92808 2243

IRA 18 month

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Rewards+ Loyalty Program

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Consumer Certificates and IRA Certificates 18 Month

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Southland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.10%

10701 Los Alamitos Blvd, Los Alamitos, CA 90720

Pick Your Term 18-Month Certificate

$1,000

3.50%

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

IRA Certificates are available.

Corazo Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.90%

1020 S Brawley Ave, Brawley, CA 92227

18 Month Certificate

$500

3.50%

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

UpdatedMay 20, 2026

Details

Southland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.10%

10701 Los Alamitos Blvd, Los Alamitos, CA 90720

18-Month Certificate

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

For a limited time only, pick your certificate term!

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Business Certificates 18 Month

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Corazo Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.90%

1020 S Brawley Ave, Brawley, CA 92227

18 Month IRA

$500

3.50%

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

UpdatedMay 20, 2026

Details

Travis Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.03%

659 Skymaster Cir, Travis AFB, CA 94535

Certificate Special 18 months

$500

3.45%

View

▼

Rate3.40%

Min Deposit$500

Min Balance—

UpdatedMay 20, 2026

Details

(Including IRA and CESA).

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.56%

11000 Wilshire Blvd, Los Angeles, CA 90024

Traditional IRA and Roth IRA Certificate 18 month

$100,000

3.41%

View

▼

Rate3.37%

Min Deposit$100,000

Min Balance—

UpdatedMay 21, 2026

Details

EverBank

Institution Rating:

B4.5 ★Texas Ratio: 20.65%

400 Montgomery St, San Francisco, CA 94104

18 month

3.40%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 3, 2026

Details

AltaOne Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.07%

701 S China Lake Blvd, Ridgecrest, CA 93555 5027

18 Month

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedJun 7, 2026

Details

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.56%

11000 Wilshire Blvd, Los Angeles, CA 90024

Special Certificate 18 month

$500

3.31%

View

▼

Rate3.27%

Min Deposit$500

Min Balance—

UpdatedMay 21, 2026

Details

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.56%

11000 Wilshire Blvd, Los Angeles, CA 90024

Traditional and Roth IRA 18 month

$500

3.31%

View

▼

Rate3.27%

Min Deposit$500

Min Balance—

UpdatedMay 21, 2026

Details

Huntington Beach Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.91%

2000 Main St # B272, Huntington Beach, CA 92648 2702

18-month CD

$50,000

3.30%

View

▼

Rate—

Min Deposit$50,000

Min Balance—

UpdatedMay 23, 2026

Details

Edwards Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.27%

10 S Muroc Dr, Edwards, CA 93524 8002

18 Months Share (CDs) and IRA Certificates

3.30%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.04%

4501 Colorado Blvd, Los Angeles, CA 90039

IRA CD Specials 18-month term

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.04%

4501 Colorado Blvd, Los Angeles, CA 90039

18-month term CD Specials

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.04%

4501 Colorado Blvd, Los Angeles, CA 90039

18-month term

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

18 Month Term Certificates

$1,000

3.25%

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

UpdatedMay 29, 2026

Details

Minimum to Open $1,000.00

AltaOne Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.07%

701 S China Lake Blvd, Ridgecrest, CA 93555 5027

18 Month

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedJun 7, 2026

Details

TULARE COUNTY

Institution Rating:

A+5.0 ★Texas Ratio: 4.05%

300 N K St, Tulare, CA 93274 4008

IRA Certificates 18 Months

$1,000

3.25%

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

UpdatedJun 1, 2026

Details

TULARE COUNTY

Institution Rating:

A+5.0 ★Texas Ratio: 4.05%

300 N K St, Tulare, CA 93274 4008

18 Months Share Certificate

$1,000

3.25%

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

UpdatedJun 1, 2026

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

Share Certificates 18 Month

$1,000

3.25%

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

UpdatedMay 29, 2026

Details

Term Certificates (Minimum to Open $1,000.00)

California 24 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

24-month IRA Traditional & Roth Share Certificates

$1,000

4.50%

View

▼

Rate4.41%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

Noble Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

2580 W Shaw Ln, Fresno, CA 93711 2778

1-2 Year Share Certificate

4.13%

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

2 Year Retirement Share Certificate

4.10%

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$100,000 and over

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

2 Year Retirement Share Certificate

4.05%

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

2 Year Retirement Share Certificate

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$10,000 - $49,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

2 Year Share Certificate

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$100,000 and over

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

2 Years Share Certificate

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

24-month Certificate GoldStar? Membership

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

Sunward

Institution Rating:

A+5.0 ★Texas Ratio: 3.78%

39 S Livermore Ave Ste 101, Livermore, CA 94550 3119

24 months

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedJun 7, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

2 Years Share Certificate

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

2 Year Share Certificate

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

2 Year Share Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$1,000 - $49,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

2 Years Share Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

24-month Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

445 N Bedford Dr, Beverly Hills, CA 90210

New Money CD - 24 Month

$1,000

3.85%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

445 N Bedford Dr, Beverly Hills, CA 90210

HSBC Wealth Center/Telephone Deposit Account APYs: CDs - 24 Month

$1,000

3.80%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

HSBC Bank USA

Institution Rating:

A+5.0 ★Texas Ratio: 3.89%

445 N Bedford Dr, Beverly Hills, CA 90210

Online Certificate of Deposit - 24 Month

$1,000

3.80%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedJun 3, 2026

Details

APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Gold Minimum 24 month

$50,000

3.75%

View

▼

Rate3.68%

Min Deposit$50,000

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus IRA Certificates 24 Month

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Popa Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

13304 Alondra Blvd, Cerritos, CA 90703

24 Months Share Certificates / Roth & Traditional IRA Share Certificates

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Modestos First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

430 12th St, Modesto, CA 95354 2423

Share Certificates 24 Months

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus Certificates 24 Month

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Gold Minimum 24 month

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Consumer Certificates and IRA Certificates 24 Month

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Business Certificates 24 Month

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Corazo Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.90%

1020 S Brawley Ave, Brawley, CA 92227

24 Month IRA

$500

3.75%

View

▼

Rate3.69%

Min Deposit$500

Min Balance—

UpdatedMay 20, 2026

Details

Corazo Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.90%

1020 S Brawley Ave, Brawley, CA 92227

24 Month Certificate

$500

3.75%

View

▼

Rate3.69%

Min Deposit$500

Min Balance—

UpdatedMay 20, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Silver Minimum 24 month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Silver Minimum 24 month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

24-month Share Certificate

$1,000

3.70%

View

▼

Rate3.64%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Jumbo College Saver 24-Month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $100,000

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Jumbo Certificate 24-Month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $100,000

Popa Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

13304 Alondra Blvd, Cerritos, CA 90703

24 Months Share Certificates / Roth & Traditional IRA Share Certificates

3.70%

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 24 Months Platinum

3.70%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 24 Months Gold

3.65%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Popa Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

13304 Alondra Blvd, Cerritos, CA 90703

24 Months Share Certificates / Roth & Traditional IRA Share Certificates

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Mini-Jumbo College Saver 24-Month

3.65%

View

▼

Rate3.58%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $50,000

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Mini-Jumbo Certificate 24-Month

3.65%

View

▼

Rate3.58%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $50,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Bronze Minimum 24 month

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$2,500

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Bronze Minimum 24 month

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$100

Central Valley Firefighters Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.65%

5300 N FRESNO ST, FRESNO, CA 93710 6828

24 Month - Share Certificate

3.61%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Star One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

1306 Bordeaux Dr, Sunnyvale, CA 94089 1005

Certificate Account 2-Year

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Aerospace Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

2310 E El Segundo Blvd, El Segundo, CA 90245

24-month Share Certificate

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Standard College Saver 24-Month

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $500

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Standard 24-Month

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $1,000

UPS Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572

2 Years Share Certificates

$500

3.60%

View

▼

Rate3.54%

Min Deposit$500

Min Balance—

UpdatedMay 22, 2026

Details

UPS Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572

IRA Certificates 2 Years

3.60%

View

▼

Rate3.54%

Min Deposit$5

Min Balance—

UpdatedMay 22, 2026

Details

Popa Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

13304 Alondra Blvd, Cerritos, CA 90703

24 Months Share Certificates / Roth & Traditional IRA Share Certificates

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 24 Months Silver

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.34%

444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625

IRA Certificates 2 Years

3.60%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

California 36 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.34%

444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625

3 Years Add-On Certificate

4.15%

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 3 Year IRA

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

36-month Certificate GoldStar? Membership

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

Corazo Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.90%

1020 S Brawley Ave, Brawley, CA 92227

36 Month Certificate

$500

4.00%

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

UpdatedMay 20, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

3 Years Share Certificate

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

3 Year Share Certificate

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$100,000 and over

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.56%

11000 Wilshire Blvd, Los Angeles, CA 90024

Traditional IRA and Roth IRA Certificate 36 month

$100,000

4.00%

View

▼

Rate3.94%

Min Deposit$100,000

Min Balance—

UpdatedMay 21, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

3 Year Share Certificate

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

3 Years Share Certificate

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 3 Year IRA

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

36-month Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 3 Year IRA

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

3 Years Share Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

3 Year Share Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$1,000 - $49,999.99

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.56%

11000 Wilshire Blvd, Los Angeles, CA 90024

Special Certificate 36 month

$500

3.90%

View

▼

Rate3.85%

Min Deposit$500

Min Balance—

UpdatedMay 21, 2026

Details

Justice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.56%

11000 Wilshire Blvd, Los Angeles, CA 90024

Traditional and Roth IRA 36 month

$500

3.90%

View

▼

Rate3.85%

Min Deposit$500

Min Balance—

UpdatedMay 21, 2026

Details

Self-Help Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.55%

2256 Patterson Rd, Riverbank, CA 95367 9647

3-Year Certificate

3.82%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 36 Months Platinum

3.81%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 17.71%

14550 Aviation Blvd, Hawthorne, CA 90250

IRA Certificate Term 36-Month Variable

$100,000

3.79%

View

▼

Rate3.73%

Min Deposit$100,000

Min Balance—

UpdatedMay 22, 2026

Details

$100,000 Minimum to Earn APY

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

8101 E Kaiser Blvd, Anaheim, CA 92808 2243

IRA 36 month

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Rewards+ Loyalty Program

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 36 Months Gold

3.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Popa Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

13304 Alondra Blvd, Cerritos, CA 90703

36 Months Share Certificates / Roth & Traditional IRA Share Certificates

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

36-month IRA Traditional & Roth Share Certificates

$1,000

3.75%

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

8101 E Kaiser Blvd, Anaheim, CA 92808 2243

36 Month Certificate

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Rewards+ Loyalty Program

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Gold Minimum 36 month

$50,000

3.75%

View

▼

Rate3.68%

Min Deposit$50,000

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Gold Minimum 36 month

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Consumer Certificates and IRA Certificates 36 Month

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Business Certificates 36 Month

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus Certificates 36 Month

3.71%

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus IRA Certificates 36 Month

3.71%

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Silver Minimum 36 month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Silver Minimum 36 month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

Popa Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

13304 Alondra Blvd, Cerritos, CA 90703

36 Months Share Certificates / Roth & Traditional IRA Share Certificates

3.70%

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 36 Months Silver

3.70%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 36 Months Standard

3.65%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Popa Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

13304 Alondra Blvd, Cerritos, CA 90703

36 Months Share Certificates / Roth & Traditional IRA Share Certificates

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Bronze Minimum 36 month

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$2,500

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Bronze Minimum 36 month

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$100

UPS Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572

3 Years Share Certificates

$500

3.64%

View

▼

Rate3.58%

Min Deposit$500

Min Balance—

UpdatedMay 22, 2026

Details

UPS Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572

IRA Certificates 3 Years

3.64%

View

▼

Rate3.58%

Min Deposit$5

Min Balance—

UpdatedMay 22, 2026

Details

Aerospace Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.80%

2310 E El Segundo Blvd, El Segundo, CA 90245

36-month Share Certificate

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Popa Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

13304 Alondra Blvd, Cerritos, CA 90703

36 Months Share Certificates / Roth & Traditional IRA Share Certificates

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Honda Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.72%

19701 Hamilton Ave ste 130, Torrance, CA 90502 1368

3 Year Executive

3.55%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Jumbo College Saver 36-Month

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $100,000

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Jumbo Certificate 36-Month

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $100,000

Popa Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.02%

13304 Alondra Blvd, Cerritos, CA 90703

36 Months Share Certificates / Roth & Traditional IRA Share Certificates

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

36 Month

3.55%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

IRA Certificates 36 Month

3.55%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Heritage Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.79%

10415 Old Placerville Rd, Sacramento, CA 95827 2508

IRA Share Certificates 3 Year

3.54%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Heritage Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.79%

10415 Old Placerville Rd, Sacramento, CA 95827 2508

Share Certificates 3 year

3.54%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

California 48 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Corazo Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.90%

1020 S Brawley Ave, Brawley, CA 92227

48 Month Certificate

$500

4.25%

View

▼

Rate4.17%

Min Deposit$500

Min Balance—

UpdatedMay 20, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

48-month Certificate GoldStar? Membership

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

48-month IRA Traditional & Roth Share Certificates

$1,000

4.00%

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

48-month Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 48 Months Platinum

3.86%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 48 Months Gold

3.81%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Gold Minimum 48 month

3.80%

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Gold Minimum 48 month

$50,000

3.80%

View

▼

Rate3.73%

Min Deposit$50,000

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 48 Months Silver

3.76%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus Certificates 48 Month

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus IRA Certificates 48 Month

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

8101 E Kaiser Blvd, Anaheim, CA 92808 2243

IRA 48 month

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Rewards+ Loyalty Program

Media City Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

1020 W Olive Ave, Burbank, CA 91506 2212

48 MONTH IRA CERTIFICATE

3.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Media City Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

1020 W Olive Ave, Burbank, CA 91506 2212

48 MONTH CERTIFICATE

3.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Consumer Certificates and IRA Certificates 48 Month

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

8101 E Kaiser Blvd, Anaheim, CA 92808 2243

48 Month Certificate

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Rewards+ Loyalty Program

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Silver Minimum 48 month

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Silver Minimum 48 month

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Business Certificates 48 Month

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Bronze Minimum 48 month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$100

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Bronze Minimum 48 month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$2,500

UPS Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572

4 Years Share Certificates

$500

3.70%

View

▼

Rate3.63%

Min Deposit$500

Min Balance—

UpdatedMay 22, 2026

Details

UPS Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572

IRA Certificates 4 Years

3.70%

View

▼

Rate3.63%

Min Deposit$5

Min Balance—

UpdatedMay 22, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 48 Months Standard

3.70%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Jumbo Certificate 48-Month

3.65%

View

▼

Rate3.58%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $100,000

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Jumbo College Saver 48-Month

3.65%

View

▼

Rate3.58%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $100,000

Ventura County Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.96%

6026 Telephone Rd, Ventura, CA 93003 5332

IRA Certificates (Fixed Rate) 4 Year Certificate

$1,000

3.60%

View

▼

Rate3.54%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

$1,000/+

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Mini-Jumbo College Saver 48-Month

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $50,000

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Mini-Jumbo Certificate 48-Month

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $50,000

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

48 Month

3.60%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

IRA Certificates 48 Month

3.60%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Standard College Saver 48-Month

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $500

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Standard 48-Month

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $1,000

Heritage Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.79%

10415 Old Placerville Rd, Sacramento, CA 95827 2508

IRA Share Certificates 4 Year

3.54%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Heritage Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.79%

10415 Old Placerville Rd, Sacramento, CA 95827 2508

Share Certificates 4 year

3.54%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

AltaOne Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.07%

701 S China Lake Blvd, Ridgecrest, CA 93555 5027

48 Month

3.51%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedJun 7, 2026

Details

Sunward

Institution Rating:

A+5.0 ★Texas Ratio: 3.78%

39 S Livermore Ave Ste 101, Livermore, CA 94550 3119

48 months

3.51%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedJun 7, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 17.71%

14550 Aviation Blvd, Hawthorne, CA 90250

48-Month Share Certificate

$100,000

3.50%

View

▼

Rate3.44%

Min Deposit$100,000

Min Balance—

UpdatedMay 22, 2026

Details

$100,000 Minimum to Earn APY

Chevron Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2600 Camino Ramon Ste CF120, San Ramon, CA 94583

48 Month Certificate

3.50%

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

Share Certificates 48 Month

$1,000

3.50%

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

UpdatedMay 29, 2026

Details

Term Certificates (Minimum to Open $1,000.00)

Hanscom Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.63%

700 Gale Dr, Campbell, CA 95008

48 Month Term Certificates

$1,000

3.50%

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

UpdatedMay 29, 2026

Details

Minimum to Open $1,000.00

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 17.71%

14550 Aviation Blvd, Hawthorne, CA 90250

IRA Certificate Term 48-Month Fixed

$100,000

3.50%

View

▼

Rate3.44%

Min Deposit$100,000

Min Balance—

UpdatedMay 22, 2026

Details

$100,000 Minimum to Earn APY

Southland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.10%

10701 Los Alamitos Blvd, Los Alamitos, CA 90720

Jumbo Term Share Certificates & IRA Share Certificates 4 Year

$100,000

3.50%

View

▼

Rate3.45%

Min Deposit$100,000

Min Balance—

UpdatedMay 20, 2026

Details

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

48-month Share Certificate

$1,000

3.50%

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

Media City Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

1020 W Olive Ave, Burbank, CA 91506 2212

48 MONTH CERTIFICATE

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

American First Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.00%

4180 N Harbor Blvd Ste A, Fullerton, CA 92835 1015

48 Month Promo Certificate

$1,000

3.50%

View

▼

Rate3.44%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

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

First Us Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.50%

2150 Watt Ave, Sacramento, CA 95825

48 Month Share & IRA Certificate

$100,000

3.50%

View

▼

Rate3.44%

Min Deposit$100,000

Min Balance—

UpdatedMay 20, 2026

Details

First Us Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.50%

2150 Watt Ave, Sacramento, CA 95825

48 Month Certificate

$100,000

3.50%

View

▼

Rate3.44%

Min Deposit$100,000

Min Balance—

UpdatedMay 20, 2026

Details

Foothill Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.19%

250 W Colorado Blvd, Arcadia, CA 91007

Regular IRA Certificate 48 Month

3.45%

View

▼

Rate3.39%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Foothill Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.19%

250 W Colorado Blvd, Arcadia, CA 91007

48 Month Share Certificates

3.45%

View

▼

Rate3.39%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

California 60 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Corazo Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.90%

1020 S Brawley Ave, Brawley, CA 92227

60 Month Certificate

$500

4.50%

View

▼

Rate4.41%

Min Deposit$500

Min Balance—

UpdatedMay 20, 2026

Details

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

60-month IRA Traditional & Roth Share Certificates

$1,000

4.25%

View

▼

Rate4.17%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

5 Year Retirement Share Certificate

4.10%

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$100,000 and over

America First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.26%

401 W 2nd St, San Bernardino, CA 92401

60 Months

4.10%

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

First Entertainment Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.36%

6735 Forest Lawn Dr, Hollywood, CA 90068

Retirement Certificates 5 Years

4.05%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

5 Year Retirement Share Certificate

4.05%

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

5 Years Share Certificate

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

60-month Certificate GoldStar? Membership

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

6 to 60-Month GoldStar? Certificate

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

Rate is 0.100% APY lower for non-GoldStar? members

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 5 Year IRA

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

5 Year Share Certificate

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$100,000 and over

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

5 Year Retirement Share Certificate

4.00%

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$10,000 - $49,999.99

Media City Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

1020 W Olive Ave, Burbank, CA 91506 2212

60 MONTH IRA CERTIFICATE

4.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Media City Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

1020 W Olive Ave, Burbank, CA 91506 2212

60 MONTH CERTIFICATE

4.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 60 Months Platinum

3.96%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

5 Year Share Certificate

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

5 Years Share Certificate

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 5 Year IRA

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Foothill Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.19%

250 W Colorado Blvd, Arcadia, CA 91007

60 Month Share Certificates

3.95%

View

▼

Rate3.87%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Foothill Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.19%

250 W Colorado Blvd, Arcadia, CA 91007

Regular IRA Certificate 60 Month

3.95%

View

▼

Rate3.87%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

America First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.26%

401 W 2nd St, San Bernardino, CA 92401

60 Months

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 60 Months Gold

3.91%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

60-month Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

American United Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.78%

47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165

6 to 60-Month Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 29, 2026

Details

$500 minimum balance

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

Traditional/Roth IRA Certificates 5 Year IRA

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

5 Years Share Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

1520 W Colorado Blvd, Pasadena, CA 91105 1413

5 Year Share Certificate

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

$1,000 - $49,999.99

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 60 Months Silver

3.86%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Ventura County Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.96%

6026 Telephone Rd, Ventura, CA 93003 5332

IRA Certificates (Fixed Rate) 5 Year Certificate

$1,000

3.85%

View

▼

Rate3.78%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

$1,000/+

UPS Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572

5 Years Share Certificates

$500

3.85%

View

▼

Rate3.78%

Min Deposit$500

Min Balance—

UpdatedMay 22, 2026

Details

UPS Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.69%

3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572

IRA Certificates 5 Years

3.85%

View

▼

Rate3.78%

Min Deposit$5

Min Balance—

UpdatedMay 22, 2026

Details

Coast Central Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.11%

2650 Harrison Ave, Eureka, CA 95501

Roth IRA Certificates 60 months

3.82%

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Coast Central Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.11%

2650 Harrison Ave, Eureka, CA 95501

Simplified Employee Pension (SEP) IRA Certificates 60 months

3.82%

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

Coast Central Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.11%

2650 Harrison Ave, Eureka, CA 95501

Traditional IRA Certificates 60 months

3.82%

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

UpdatedMay 23, 2026

Details

CHAFFEY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969

IRA Share Certificates 60 Months Standard

3.81%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Gold Minimum 60 month

3.80%

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Gold Minimum 60 month

$50,000

3.80%

View

▼

Rate3.73%

Min Deposit$50,000

Min Balance—

UpdatedMay 20, 2026

Details

$50,000

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus Certificates 60 Month

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.11%

879 W 190th St, Gardena, CA 90248 4220

Bonus IRA Certificates 60 Month

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedJun 9, 2026

Details

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Business Certificates 60 Month

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Technology Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.39%

1562 S Bascom Ave, San Jose, CA 95125 6108

Consumer Certificates and IRA Certificates 60 Month

3.75%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Southland Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.10%

10701 Los Alamitos Blvd, Los Alamitos, CA 90720

Jumbo Term Share Certificates & IRA Share Certificates 5 Year

$100,000

3.75%

View

▼

Rate3.69%

Min Deposit$100,000

Min Balance—

UpdatedMay 20, 2026

Details

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

IRA Certificates - Silver Minimum 60 month

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

LBS Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.97%

4436 Atlantic Ave, Long Beach, CA 90807

Share Certificates - Silver Minimum 60 month

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

$20,000

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

8101 E Kaiser Blvd, Anaheim, CA 92808 2243

60 Month Certificate

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Rewards+ Loyalty Program

Credit Union of Southern California

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

8101 E Kaiser Blvd, Anaheim, CA 92808 2243

IRA 60 month

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Rewards+ Loyalty Program

Media City Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.83%

1020 W Olive Ave, Burbank, CA 91506 2212

60 MONTH CERTIFICATE

3.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedMay 20, 2026

Details

Premier One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.52%

5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633

60-month Share Certificate

$1,000

3.75%

View

▼

Rate3.69%

Min Deposit$1,000

Min Balance—

UpdatedMay 20, 2026

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.34%

444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625

IRA Certificates 5 Years

3.70%

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

UpdatedJun 1, 2026

Details

Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

2411 W Olive Ave, Burbank, CA 91506 2629

Traditional/Roth IRA Jumbo Certificate 60-Month

3.70%

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

UpdatedMay 22, 2026

Details

Minimum to open & earn dividends: $100,000

Disclaimer

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 June 9, 2026

B Top 5 Bank Rates

U S POSTAL SERVICE

IRA Certificates 1 Year Starter Add-On

A+ 5.0 ★ TX: 4.34%

Min: $0

4.25%

CIBC

18-month CD

A+ 5.0 ★ TX: 2.97%

Min: $1,000

4.15%

United Fidelity Bank

6-Month CD Term

A+ 5.0 ★ TX: 0.81%

Min: $0

4.15%

Golden Bank National Association

180-Day CD

A+ 5.0 ★ TX: 3.27%

Min: $20,000

4.05%

Citizens National Bank of Texas

6 month CD

A+ 5.0 ★ TX: 5.08%

Min: $1,000

4.04%

CU Top 5 Credit Union Rates

Schools Federal Credit Union

Relationship Certificate(12 months)

A+ 5.0 ★ TX: 1.27%

Min: $500

5.90%

Premier One Credit Union

24-month IRA Traditional & Roth Share Certificates

A+ 5.0 ★ TX: 1.52%

Min: $1,000

4.50%

Corazo Credit Union

60 Month Certificate

A 5.0 ★ TX: 7.90%

Min: $500

4.50%

CBC Federal Credit Union

1-Year IRA Term Share Certificates

A+ 5.0 ★ TX: 3.89%

Min: $500

4.25%

Thinkwise Federal Credit Union

Gen-T Term Share Certificate* 12 Months

A+ 5.0 ★ TX: 3.14%

Min: $5

4.25%

Rates verified June 9, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

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

2.240%

▼ 0.031 vs 7 days ago

California 12-month CD rates fell 0.031 points over the past 7 days to 2.240% APY.

6-Month CD — CA Avg

1.438%

▲ 0.011 vs 7 days ago

California 6-month CD rates rose 0.011 points over the past 7 days to 1.438% APY.

As of Jun 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

CA CD Rate Forecast — Next 12 Months

Where are California CD rates headed through June 2027?

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

CA 12-Month Avg APY

2.240%

6-Month Forecast

2.240%

Range: 2.04% – 2.39%

12-Month Forecast

1.990%

Range: 1.79% – 2.14%

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	1.050%	$52.49	$104.97	$262.43	$524.85
6-Month CD	1.438%	$71.89	$143.78	$359.45	$718.90
12-Month CD	2.240%	$112.02	$224.04	$560.10	$1,120.20
18-Month CD	2.616%	$130.82	$261.63	$654.08	$1,308.15
24-Month CD	2.640%	$132.02	$264.03	$660.08	$1,320.15
36-Month CD	2.653%	$132.65	$265.29	$663.23	$1,326.45
48-Month CD	2.655%	$132.75	$265.49	$663.73	$1,327.45
60-Month CD	2.815%	$140.76	$281.51	$703.78	$1,407.55
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 9, 2026.

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	1.050%	$52.49
2	6-Month CD	$5,000	1.438%	$71.89
3	12-Month CD	$5,000	2.240%	$112.02
4	24-Month CD	$5,000	2.640%	$132.02
5	36-Month CD	$5,000	2.653%	$132.65
Total ($25,000 invested)		$25,000	2.004% blended	$501.07/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.

1,310

CD Rates
Tracked in California

18 Banks 94 Credit Unions

About Our California CD Rate Database

MonitorBankRates tracks 1,310 CD rates from 18 banks and 94 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 (1–5), 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 $500. 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 94 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 — 112 institutions here report CD rates

Consider an Alternative If…

You may need funds within 30 days → California savings rates
Rates are rising and you want to benefit → Variable-rate savings or MMA
You want check-writing access → California money market rates

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

$110/yr

At CA 12-mo avg 2.240% 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 2.240%, saving 10% of the local median salary ($4,903/year) and putting it in a CD would earn an additional $110 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 (90–180 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, United Fidelity Bank is offering its 6-Month CD Term at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Corazo Credit Union is offering its 60 Month Certificate at 4.50% 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 (Relationship Certificate(12 months))
Corazo Credit Union: 4.50% APY (60 Month Certificate)
Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
Thinkwise Federal Credit Union: 4.25% APY (Gen-T Term Share Certificate* 12 Months)
U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
CIBC: 4.15% APY (18-month CD)
United Fidelity Bank: 4.15% APY (6-Month CD Term)
Noble Federal Credit Union: 4.13% APY (1-2 Year Share Certificate)
Central Valley Firefighters Credit Union: 4.12% APY (IRA - 12 Month Certificate)

Rates reflect recent verified offers available in California. Last Updated: June 9, 2026

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 1.050% (3-month) to 2.653% (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 90–180 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 2.240% 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: June 9, 2026