California CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
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, 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 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, United Fidelity BankUnited Fidelity Bank249 E Ocean Blvd, Long Beach, CA 90802A+5.0 ★Texas Ratio: 0.81%Real return: +1.45%APY minus CPI (February 2026) offering 18-Month CD Term at 4.25% APY, and Credit Union of Southern CaliforniaCredit Union of Southern California8101 E Kaiser Blvd, Anaheim, CA 92808 2243A+5.0 ★Texas Ratio: 2.43%Real return: +1.45%APY minus CPI (February 2026) offering 12-Month Certificate at 4.25% APY. CD rates as of July 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in California side-by-side. California CD rates currently reach as high as 5.90% APY from Schools Federal Credit Union at 20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306. Rates are continually updated — 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: July 13, 2026
Compare Best CD Rates in California
California 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.57%, Non-Rewards+ Loyalty Program APY: 2.60%
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate 3 month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2000 University Ave, East Palo Alto, CA 94303
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Earn 3.55% APY on balances of $500 or more.
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
599 N E St, San Bernardino, CA 92401
3 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA 95008
3 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA 95008
3 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Special Offer, Special Rate, Limited Time. APY: Annual Percentage Yield
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
3 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
13191 Crossroads Pkwy N, City Of Industry, CA 91746
3 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
Certificate Account and IRA Account: Fixed Rate 90 Days
$100,000
3.41%
▼
Rate3.34%
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
Maximum $100,000 per member.
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
$0
3.41%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Maximum $100,000 per member.
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
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
balances $10,000 - $100,000
EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
13191 Crossroads Pkwy N, City Of Industry, CA 91746
3 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
13191 Crossroads Pkwy N, City Of Industry, CA 91746
3 Months
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
39150 Fremont Blvd, Fremont, CA 94538
3 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
5180 N Palm Ave, Fresno, CA 93704
3 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
3-month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 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
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Maximum $100,000 per member.
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1051 Detroit Ave Ste A, Concord, CA 94518 2457
Certificate Account and IRA Account: Fixed Rate 90 Days
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
Maximum $100,000 per member.
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
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
CDARS? CDs 3 month
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Funding Limit: $12M
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
3 Month Youth Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
3 Month Fixed Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
3 Month Fixed
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
5180 N Palm Ave, Fresno, CA 93704
3 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
3-month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
8815 Folsom Blvd, Sacramento, CA 95826
3 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Riverside Dr, Susanville, CA 96130
3 Months
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Riverside Dr, Susanville, CA 96130
IRA Certificates 3 Months
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
17602 25th Street, Beale AFB, CA 95903
Share Certificate: 3-Month
$100,000
2.84%
▼
Rate2.80%
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
710 Carlsbad Village Dr, Carlsbad, CA 92008
3 months
$100,000
2.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 6, 2026
Details
APY for $100K Minimum
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
3 Month Certificate
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
17602 25th Street, Beale AFB, CA 95903
Share Certificate: 3-Month
$50,000
2.78%
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Greater Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1185 W Hedges Ave, Fresno, CA 93728 1219
Share Certificates and IRA Certificates 3 Months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
19867 Prairie St, Chatsworth, CA 91311 6532
3-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
19867 Prairie St, Chatsworth, CA 91311 6532
3-Month Business Certificate Account
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
710 Carlsbad Village Dr, Carlsbad, CA 92008
3 months
$10,000
2.75%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
APY for $10K Minimum
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
19867 Prairie St, Chatsworth, CA 91311 6532
3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
3 Month
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
17602 25th Street, Beale AFB, CA 95903
Share Certificate: 3-Month
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
710 Carlsbad Village Dr, Carlsbad, CA 92008
3 months
$2,000
2.70%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
APY for $2K Minimum
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Riverside Dr, Susanville, CA 96130
IRA Certificate 3 Months
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
PO Box 330, Angwin, CA 94508 0330
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal 30 day Penalty
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
PO Box 330, Angwin, CA 94508 0330
3 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Early Withdrawal 30 day Penalty
California 6 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
6 Month Birthday Promo
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
6 month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
9212 Balboa Ave, San Diego, CA 92123 1514
Term Certificates 6 months
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Tiered Rate; $500 - $9,999
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
6-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
6 months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Flexible interest payouts: Compound your earnings into your CD or send them to your Happen Bank account. Annual Percentage Yield (APY) accurate as of 07/12/2026. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
Get Fit Certificate 6 Month Certificate Basic
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
Get Fit Certificate 6 Month Certificate Plus
$2,500
3.85%
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 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
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Federally insured.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 months
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
6 Month New Money CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate 6 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%
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
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.59%, APY: 3.65% for $1,000 - $49,999.99; Rate: 3.64%, APY: 3.70% for $50,000 - $99,999.99; Rate: 3.69%, APY: 3.75% for $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
Share Certificates 6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA 94089 1005
6-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fixed
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2454 Vista Way, Oceanside, CA 92054
6-Month Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Promotional offer
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
6 Month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online CDs Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
6 months Online CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
5180 N Palm Ave, Fresno, CA 93704
6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
6 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 6 month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online Only.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
5757 Wilshire Blvd, Los Angeles, CA 90036 3684
6-Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
New funds only**
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%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 8, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificate 6 month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
6 Month Regular Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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 - 6 Month Certificate
$1,000
3.54%
▼
Rate3.48%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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 - 6 Month
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2000 University Ave, East Palo Alto, CA 94303
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
6 Month
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Special Offer, Special Rate, Limited Time. APY: Annual Percentage Yield
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA 95008
6 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3156 Constitution Dr, Livermore, CA 94551 7570
6-Month Share and IRA Certificate of Deposit
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Limited time offer. Dividend rate and APY may change at any time. APY is based on the assumption that the principal and dividends will remain in the account until maturity. Withdrawals, transfers, and fees reduce earnings.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA 90250
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
7887 Walerga Rd, Antelope, CA 95843
6 Month Certificate Special
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Capitol Club rate increase is .25% for eligible members.
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
1888 Century Park E, Los Angeles, CA 90067
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Limited Time CD Special
EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
13191 Crossroads Pkwy N, City Of Industry, CA 91746
6 Months
$0
3.40%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
6 Months (182 Days)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
397 Aviation Blvd, Santa Rosa, CA 95403
6 Months
$10,000
3.29%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
10 S Muroc Dr, Edwards, CA 93524 8002
6 Months Share (CDs) and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
4151 Prospect Ave, Los Angeles, CA 90027
6 Month Cert
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
599 N E St, San Bernardino, CA 92401
6 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
13191 Crossroads Pkwy N, City Of Industry, CA 91746
6 Months
$0
3.25%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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%
▼
Rate5.75%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
599 N E St, San Bernardino, CA 92401
12 Months
$0
4.25%
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
12-Month Certificate
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Limited-time offer. New funds only. Dividends compounded monthly and credited monthly and at maturity. Penalty may be imposed for early withdrawal.
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 Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
Stated rate is 4.169%. APY is accurate as of June 1, 2026. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice
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
$1,000
4.12%
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
1-Year Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$90,000
4.04%
▼
Rate3.97%
Min Deposit$90,000
Min Balance—
UpdatedJul 6, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
12 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online Only.
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
IRA Certificate 12 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
12 month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
12-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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 - 12 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
12 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA 92227
12 Month Birthday Promo
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
4.00%
▼
Rate3.91%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
4.00%
▼
Rate3.91%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
3.95%
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJul 6, 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
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
12 Months
$0
3.86%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
1 Year Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 months
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
12 Month New Money CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 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 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 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
$0
3.84%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 1 Year
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
12 Month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online CDs Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
12 months Online CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
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
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 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
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.74%, APY: 3.80% for $1,000 - $49,999.99; Rate: 3.74%, APY: 3.80% for $50,000 - $99,999.99; Rate: 3.74%, APY: 3.80% for $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
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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 IRA
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.74%, Annual Percentage Yield $50,000 - $99,999.99: 3.80%, Dividend Rate $100,000 and over: 3.74%, Annual Percentage Yield $100,000 and over: 3.80%
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
12 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 26, 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
$50,000
3.75%
▼
Rate3.70%
Min Deposit$50,000
Min Balance—
UpdatedJul 6, 2026
Details
Strata Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1717 Truxtun Ave, Bakersfield, CA 93301 5102
Wealth Builder Share Certificate 12 Months
$100
3.75%
▼
Rate3.68%
Min Deposit$100
Min Balance—
UpdatedJul 6, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
9212 Balboa Ave, San Diego, CA 92123 1514
Term Certificates 12 months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Tiered Rate; $500 - $9,999
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA 95008
12 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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 Certificate 1 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 1 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate 1 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Wealth Builder Share Certificate 1 year
$0
3.75%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
California 18 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
18-Month CD Term
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Featured rate. Online Only.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA 90250
18-Month Variable IRA Certificate
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
18-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
18 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
IRA Certificate 18 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
8811 Grossmont Blvd, La Mesa, CA 91942
18 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
18 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 18 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
18 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
8811 Grossmont Blvd, La Mesa, CA 91942
18 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
8811 Grossmont Blvd, La Mesa, CA 91942
18 months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3992 Douglas Blvd, Roseville, CA 95661
18-Month Variable Rate IRA
$0
3.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Variable Rate
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
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$50,000
Matadors Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
20045 Prairie St, Chatsworth, CA 91311
18-Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
397 Aviation Blvd, Santa Rosa, CA 95403
18 Months
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificate 18 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
18-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
For a limited time only, pick your certificate term!
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificate 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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 Regular Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
18-Month Limited Time Only Promotional Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity.
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA 92227
18 Month IRA
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 - 18 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
18 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA 92227
18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividends paid annually and at maturity
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA 95008
18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
18 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 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%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 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
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
9212 Balboa Ave, San Diego, CA 92123 1514
Term Certificates 18 months
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Tiered Rate; $500 - $9,999
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
17602 25th Street, Beale AFB, CA 95903
Share Certificate: 18-Month
$100,000
3.27%
▼
Rate3.22%
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
18 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
500 W Woodbury Rd, Altadena, CA 91001 5410
18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
300 N K St, Tulare, CA 93274 4008
18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
17602 25th Street, Beale AFB, CA 95903
Share Certificate: 18-Month
$50,000
3.22%
▼
Rate3.17%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Greater Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1185 W Hedges Ave, Fresno, CA 93728 1219
Share Certificates and IRA Certificates 18 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
18 Month Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Riverside Dr, Susanville, CA 96130
18 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Riverside Dr, Susanville, CA 96130
IRA Certificates 18 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
17602 25th Street, Beale AFB, CA 95903
Share Certificate: 18-Month
$500
3.17%
▼
Rate3.12%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Riverside Dr, Susanville, CA 96130
18 Months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
18 Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
California 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
24 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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 GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
24 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
24 month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
24 Months
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
24 Month New Money CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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 months
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
2 Year Executive
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
24 Month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online CDs Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
24 months Online CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA 94089 1005
2-Year Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fixed
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
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$50,000
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate 2 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 Certificate 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 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
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 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 - 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA 92227
24 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA 92227
24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificate 24 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 Certificate 24 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Platinum
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 Certificate 24 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gold
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
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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 Certificate 24 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Silver
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
2 Years
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedJul 6, 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
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
879 W 190th St, Gardena, CA 90248 4220
IRA Certificate 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
24 Months
$90,000
3.56%
▼
Rate3.50%
Min Deposit$90,000
Min Balance—
UpdatedJul 6, 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
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
434 W Alameda Ave, Burbank, CA 91506
IRA Certificates 2 Years
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 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 Certificate 24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Standard
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625
2 Years
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
397 Aviation Blvd, Santa Rosa, CA 95403
24 Months
$10,000
3.51%
▼
Rate3.46%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 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
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA 95008
24 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
2 years
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Flexible interest payouts: Compound your earnings into your CD or send them to your Happen Bank account. Annual Percentage Yield (APY) accurate as of 07/12/2026. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
24 Month Regular Certificate
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificate 24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA 90250
24-Month Fixed IRA Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
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
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA 90250
36-Month Variable IRA Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
36 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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 GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA 92227
36 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
36 Months
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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 IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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 Certificate 36 Months
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Platinum
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA 95008
36 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 - 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 Certificate 3 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate 3 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 36 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 Certificate 36 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gold
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
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 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
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificate 36 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 Certificate 36 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Silver
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 Certificate 36 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Standard
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
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
397 Aviation Blvd, Santa Rosa, CA 95403
36 Months
$10,000
3.56%
▼
Rate3.51%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
879 W 190th St, Gardena, CA 90248 4220
IRA Certificate 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
397 Aviation Blvd, Santa Rosa, CA 95403
36 Months
$1,000
3.51%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1020 W Olive Ave, Burbank, CA 91506 2212
36 MONTH IRA CERTIFICATE
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1020 W Olive Ave, Burbank, CA 91506 2212
36 MONTH CERTIFICATE
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA 90250
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA 90250
36-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
430 12th St, Modesto, CA 95354 2423
Share Certificates 36 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 36 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$10,000 - $49,999
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2580 W Shaw Ln, Fresno, CA 93711 2778
3-Year Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
434 W Alameda Ave, Burbank, CA 91506
IRA Certificates 3 Years
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
36 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
36 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
36 Month Regular Certificate
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificate 36 Month
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2580 W Shaw Ln, Fresno, CA 93711 2778
3-Year Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
3 Year Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
3 Years
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Riverside Dr, Susanville, CA 96130
IRA Certificates 36 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
8815 Folsom Blvd, Sacramento, CA 95826
36 Month
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Greater Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1185 W Hedges Ave, Fresno, CA 93728 1219
Share Certificates and IRA Certificates 36 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 26, 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
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
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
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
48 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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 GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA 95008
48 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
48 Months
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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 Certificate 48 Months
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Platinum
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 Certificate 48 Months
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gold
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
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 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
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 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 Certificate 48 Months
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Silver
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 Certificate 4 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 4 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate 4 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificate 48 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 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 IRA CERTIFICATE
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 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 Certificate 48 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Standard
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
879 W 190th St, Gardena, CA 90248 4220
IRA Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
4 Year Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 48 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$10,000 - $49,999
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA 90250
48-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA 90250
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Jumbo Term Share Certificate 4 Year
$100,000
3.50%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$50,000
3.50%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
10 S Muroc Dr, Edwards, CA 93524 8002
48 Months Share (CDs) and IRA Certificates
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
48 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
8815 Folsom Blvd, Sacramento, CA 95826
48 Month
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificate 4 Year
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
17602 25th Street, Beale AFB, CA 95903
Share Certificate: 48-Month
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Greater Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1185 W Hedges Ave, Fresno, CA 93728 1219
Share Certificates and IRA Certificates 48 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
48 Months
$90,000
3.35%
▼
Rate3.30%
Min Deposit$90,000
Min Balance—
UpdatedJul 6, 2026
Details
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
17602 25th Street, Beale AFB, CA 95903
Share Certificate: 48-Month
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 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
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Riverside Dr, Susanville, CA 96130
48 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
48 Month Regular Certificate
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificate 48 Month
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
48 Months
$500
3.31%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Riverside Dr, Susanville, CA 96130
48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
60 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6735 Forest Lawn Dr, Hollywood, CA 90068
5 Years
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
60 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
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
$100,000
4.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1020 W Olive Ave, Burbank, CA 91506 2212
60 MONTH CERTIFICATE
$100,000
4.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA 95008
60 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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 GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Rate is 0.100% APY lower for non-GoldStar? members
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
60 Months
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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 Certificate 60 Months
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Platinum
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Share Certificates 5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 60 months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$10,000 - $49,999
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
250 W Colorado Blvd, Arcadia, CA 91007
Regular IRA Certificate 60 Month
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedJul 12, 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 Certificate 60 Months
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gold
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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $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
Share Certificates 5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6735 Forest Lawn Dr, Hollywood, CA 90068
5 Years
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
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
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 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
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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 Certificate 60 Months
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Silver
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6735 Forest Lawn Dr, Hollywood, CA 90068
5 Years
$100,000
3.85%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
5 Year Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 Certificate 60 Months
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Standard
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
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 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
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate 5 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$50,000
3.75%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificate 60 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
60 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Jumbo Term Share Certificate 5 Year
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 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 5 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 Certificate 5 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6735 Forest Lawn Dr, Hollywood, CA 90068
5 Years
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6735 Forest Lawn Dr, Hollywood, CA 90068
5 Years
$25,000
3.70%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
10 S Muroc Dr, Edwards, CA 93524 8002
60 Months Share (CDs) and IRA Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6735 Forest Lawn Dr, Hollywood, CA 90068
5 Years
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificate 5 Year
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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
5 Years
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
60 Months
$90,000
3.61%
▼
Rate3.55%
Min Deposit$90,000
Min Balance—
UpdatedJul 6, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
60 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
5 Year Executive
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
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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.
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California CD Rate Trends
Compare local California CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — CA Avg
2.023%
▲ 0.037 vs 7 days ago
California 12-month CD rates rose 0.037 points over the past 7 days to 2.023% APY.
6-Month CD — CA Avg
1.166%
▲ 0.301 vs 7 days ago
California 6-month CD rates rose 0.301 points over the past 7 days to 1.166% APY.
As of Jul 14, 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 July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
2.023%
6-Month Forecast
2.023%
Range: 1.82% – 2.17%
12-Month Forecast
1.773%
Range: 1.57% – 1.92%
Powered by
MonitorBankRates
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 | 0.902% | $45.08 | $90.15 | $225.38 | $450.75 |
| 6-Month CD | 1.166% | $58.32 | $116.63 | $291.58 | $583.15 |
| 12-Month CD | 2.023% | $101.13 | $202.25 | $505.63 | $1,011.25 |
| 18-Month CD | 2.531% | $126.55 | $253.09 | $632.73 | $1,265.45 |
| 24-Month CD | 2.506% | $125.28 | $250.56 | $626.40 | $1,252.80 |
| 36-Month CD | 2.490% | $124.49 | $248.98 | $622.45 | $1,244.90 |
| 48-Month CD | 2.525% | $126.25 | $252.50 | $631.25 | $1,262.50 |
| 60-Month CD | 2.644% | $132.22 | $264.43 | $661.08 | $1,322.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 13, 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.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.902% | $45.08 |
| 2 | 6-Month CD | $5,000 | 1.166% | $58.32 |
| 3 | 12-Month CD | $5,000 | 2.023% | $101.13 |
| 4 | 24-Month CD | $5,000 | 2.506% | $125.28 |
| 5 | 36-Month CD | $5,000 | 2.490% | $124.49 |
| Total ($25,000 invested) | $25,000 | 1.817% blended | $454.30/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.
1,115
CD Rates
Tracked in California
Tracked in California
19 Banks
87 Credit Unions
About Our California CD Rate Database
MonitorBankRates tracks 1,115 CD rates from 19 banks and 87 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 87 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 — 106 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
$99/yr
At CA 12-mo avg 2.023% 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 2.023%, saving 10% of the local median salary ($4,903/year) and putting it in a CD would earn an additional $99 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, Corazo Credit Union is offering its 6 Month Birthday Promo at 4.25% 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 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)
- CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
- Credit Union of Southern California: 4.25% APY (12-Month Certificate)
- American First Credit Union: 4.25% APY (48 Month Promo Certificate**)
- United Fidelity Bank: 4.25% APY (18-Month CD Term)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- Thinkwise Federal Credit Union: 4.25% APY (12 Months)
- CIBC: 4.15% APY (18-month CD)
- Noble Federal Credit Union: 4.13% APY (1-2 Year Share Certificate)
Rates reflect recent verified offers available in California. Last Updated: July 13, 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 LadderCA CD rates currently range from 0.902% (3-month) to 2.490% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore 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 SavingsCalifornia’s average 12-month CD is 2.023% 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: July 13, 2026
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