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CD Rate Trends

El Cajon, California Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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

El Cajon, California CD rates range from 0.02% to 5.90% APY, verified by MonitorBankRates as of October 13, 2026. Current El Cajon, California CD rates include Navy Federal Credit UnionNavy Federal Credit Union709 Fletcher Pkwy, El Cajon, CA 92020A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, CIT BankCIT Bank175 W Main St, El Cajon, CA 92020A5.0 ★Texas Ratio: 7.72%Real return: +1.20%APY minus CPI (February 2026) offering 1-Year CD at 4.00% APY, Wheelhouse Credit UnionWheelhouse Credit Union306 Broadway, El Cajon, CA 92021A+5.0 ★Texas Ratio: 1.23%Real return: +0.95%APY minus CPI (February 2026) offering 12 Month Term Certificates & IRA Certificates at 3.75% APY, Employees Choice Federal Credit UnionEmployees Choice Federal Credit Union266 S Magnolia Ave Ste 101, El Cajon, CA 92020A+5.0 ★Texas Ratio: 0.00%Real return: +0.55%APY minus CPI (February 2026) offering 12 Month Certificate at 3.35% APY, and East County Schools Federal Credit UnionEast County Schools Federal Credit Union1069 Graves Ave Ste 100, El Cajon, CA 92021 4573A5.0 ★Texas Ratio: 7.47%Real return: +0.50%APY minus CPI (February 2026) offering 60 Month Certificate at 3.30% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

El Cajon has 176 local institutions in our database, with CD rates as high as 4.35% APY from Navy Federal Credit Union at 709 Fletcher Pkwy, El Cajon, CA 92020. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.

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

Compare Best CD Rates in El Cajon, California & the Surrounding Area

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El Cajon 3 Month CD Rates

California 3 Month CD Average2.37% APYNational 2.09%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
3 Month Certificate and IRA Certificate
$0
2.80% ▲ 0.43% above California avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 0.43% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Oct 13, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 13, 2026: 2.80% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
3 Month Standard Certificate
$0
2.80% ▲ 0.43% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 0.43% above avgNationally 2.09%
Details

Balance: $100K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 13, 2026: 2.80% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
3 Month Certificate and IRA Certificate
$0
2.75% ▲ 0.38% above California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 0.38% above avgNationally 2.09%
Details

Balance: $10,000-$99,999

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
3 Month Standard Certificate
$0
2.75% ▲ 0.38% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 0.38% above avgNationally 2.09%
Details

Balance: $10K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
3 Month Certificate and IRA Certificate
$0
2.70% ▲ 0.33% above California avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 0.33% above avgNationally 2.09%
Details

Balance: $2,000-$9,999

Rate History
No change since Oct 13, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
3 Month Standard Certificate
$0
2.70% ▲ 0.33% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 0.33% above avgNationally 2.09%
Details

Balance: $2K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 14, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
780 Jamacha Rd, El Cajon, CA 92019
3 Month CD
$1,000
2.00% ▼ 0.37% below California avg
View
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▼ 0.37% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
3 Month Certificate
$0
1.82% ▼ 0.55% below California avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 0.55% below avgNationally 2.09%
Details

Rate Type: Fixed; Rates As Of October 1, 2026

Rate History
No change since Sep 21, 2026 · 1.82% APY · checked 6 times
1.32%1.82%2.32%Sep 21, 2026: 1.82% APYSep 21, 2026Oct 14, 2026
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
3 Month Certificate
$0
1.76% ▼ 0.61% below California avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 0.61% below avgNationally 2.09%
Details

Rate Type: Fixed; Rates As Of October 1, 2026

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 7 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 14, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
306 Broadway, El Cajon, CA 92021
3 Month Term Certificates & IRA Certificates
$0
1.70% ▼ 0.67% below California avg
View
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.37%▼ 0.67% below avgNationally 2.09%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 22, 2026 · 1.70% APY · checked 3 times
1.20%1.70%2.20%Sep 22, 2026: 1.70% APYSep 22, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
3 Month Certificate
$0
1.00% ▼ 1.37% below California avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 1.37% below avgNationally 2.09%
Details

Balance: $10,000 - $49,999

Rate History
No change since Sep 21, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 21, 2026: 1.00% APYSep 21, 2026Oct 14, 2026
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
312 W Main St, El Cajon, CA 92020
3 Month IRA Certificate
$0
1.00% ▼ 1.37% below California avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.37%▼ 1.37% below avgNationally 2.09%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
3 Month Certificate
$0
0.95% ▼ 1.42% below California avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 1.42% below avgNationally 2.09%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 21, 2026 · 0.95% APY · checked 5 times
0.45%0.95%1.45%Sep 21, 2026: 0.95% APYSep 21, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
3 Month IRA Certificate
$0
0.25% ▼ 2.12% below California avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 2.12% below avgNationally 2.09%
Details

Balance: $50,000 - $89,999.99

Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
3 Month IRA Certificate
$0
0.20% ▼ 2.17% below California avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 2.17% below avgNationally 2.09%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
3 Month IRA Certificate
$0
0.10% ▼ 2.27% below California avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
475 Fletcher Pkwy, El Cajon, CA 92020
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.31% below California avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▼ 2.31% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
475 Fletcher Pkwy, El Cajon, CA 92020
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.31% below California avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▼ 2.31% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
475 Fletcher Pkwy, El Cajon, CA 92020
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.32% below California avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
3 Month IRA Certificates
$0
0.05% ▼ 2.32% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
3 Month Standard CD
$0
0.05% ▼ 2.32% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.21% above California avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▲ 2.21% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3-MONTH CD
$0
4.25% ▲ 1.88% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.88% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
4.25% ▲ 1.88% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.88% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00% ▲ 1.63% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.63% above avgNationally 2.09%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.63% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.63% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 3 Month
$1,000
4.00% ▲ 1.63% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.63% above avgNationally 2.09%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
3 Month Jumbo Certificates of Deposit
$0
3.98% ▲ 1.61% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▲ 1.61% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.98% APY · checked 5 times
3.48%3.98%4.48%Sep 29, 2026: 3.98% APYSep 29, 2026Oct 14, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
3 Month Mini Money Maker Certificate of Deposit
$2,000
3.98% ▲ 1.61% above California avg
View
▼
Rate3.90%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▲ 1.61% above avgNationally 2.09%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 3.98% APY · checked 2 times
3.48%3.98%4.48%Oct 7, 2026: 3.98% APYOct 7, 2026Oct 14, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.48% above California avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
California Average2.37%▲ 1.48% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 14, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.43% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.75% ▲ 1.38% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details

Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 8, 2026: 3.50% APYOct 2, 2026: 3.75% APYSep 8, 2026Oct 14, 2026
  • Oct 2, 20263.75%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
3.75% ▲ 1.38% above California avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 25, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.33% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.33% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 14, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Share Certificates - Jumbo
$0
3.70% ▲ 1.33% above California avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▲ 1.33% above avgNationally 2.09%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20263.70%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
3.65% ▲ 1.28% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.65%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
90 Day Certificate Account and IRA Account
$0
3.65% ▲ 1.28% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate Account and IRA Account - 90 Days
$0
3.65% ▲ 1.28% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.65% ▲ 0.24 pts · high 3.65% / low 3.41%
2.91%3.53%4.15%Sep 14, 2026: 3.41% APYOct 13, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.65%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Liquid Certificate
$0
3.65% ▲ 1.28% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Liquid Certificate
$0
3.65% ▲ 1.28% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Share Certificates - Gold
$0
3.65% ▲ 1.28% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 27, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 27, 2026: 3.65% APYSep 27, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CD
$0
3.60% ▲ 1.23% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.23% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.23% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month IRA Pick-A-Term
$10,000
3.60% ▲ 1.23% above California avg
View
▼
Rate3.54%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month Pick-A-Term
$0
3.60% ▲ 1.23% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
3 Month Share Certificate
$0
3.60% ▲ 1.23% above California avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Share Certificates - Silver
$0
3.60% ▲ 1.23% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.18% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.18% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Share Certificates - Bronze Minimum - 3 month
$0
3.55% ▲ 1.18% above California avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▲ 1.18% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.35% → 3.55% ▲ 0.20 pts · high 3.55% / low 3.35%
2.85%3.45%4.05%Sep 18, 2026: 3.35% APYOct 10, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.55%▲ from 3.35%
  • Sep 18, 20263.35%first recorded

El Cajon 6 Month CD Rates

California 6 Month CD Average2.93% APYNational 2.77%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
6-Month CD
$0
3.75% ▲ 0.82% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
6-Month Term
$1,000
3.75% ▲ 0.82% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
306 Broadway, El Cajon, CA 92021
6 Month Term Certificates & IRA Certificates
$0
3.50% ▲ 0.57% above California avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.93%▲ 0.57% above avgNationally 2.77%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
6 Month Certificate and IRA Certificate
$0
3.15% ▲ 0.22% above California avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.22% above avgNationally 2.77%
Details

Balance: $100,000+

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
6 Month Standard Certificate
$0
3.15% ▲ 0.22% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.22% above avgNationally 2.77%
Details

Balance: $100K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
6 Month Certificate and IRA Certificate
$0
3.10% ▲ 0.17% above California avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.17% above avgNationally 2.77%
Details

Balance: $10,000-$99,999

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
6 Month Standard Certificate
$0
3.10% ▲ 0.17% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.17% above avgNationally 2.77%
Details

Balance: $10K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
6 Month Certificate and IRA Certificate
$0
3.05% ▲ 0.12% above California avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.12% above avgNationally 2.77%
Details

Balance: $2,000-$9,999

Rate History
No change since Oct 13, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
6 Month Standard Certificate
$0
3.05% ▲ 0.12% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.12% above avgNationally 2.77%
Details

Balance: $2K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 14, 2026
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
6 Month Certificate
$0
2.33% ▼ 0.60% below California avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▼ 0.60% below avgNationally 2.77%
Details

Rate Type: Fixed; Rates As Of October 1, 2026

Rate History
No change since Sep 21, 2026 · 2.33% APY · checked 6 times
1.83%2.33%2.83%Sep 21, 2026: 2.33% APYSep 21, 2026Oct 14, 2026
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
6 Month Certificate
$0
2.28% ▼ 0.65% below California avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▼ 0.65% below avgNationally 2.77%
Details

Rate Type: Fixed; Rates As Of October 1, 2026

Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 7 times
1.78%2.28%2.78%Sep 14, 2026: 2.28% APYSep 14, 2026Oct 14, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
780 Jamacha Rd, El Cajon, CA 92019
6 Month CD
$1,000
2.10% ▼ 0.83% below California avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▼ 0.83% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
6 Month Certificate
$0
1.81% ▼ 1.12% below California avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▼ 1.12% below avgNationally 2.77%
Details

Balance: $50,000

Rate History
No change since Sep 21, 2026 · 1.81% APY · checked 5 times
1.31%1.81%2.31%Sep 21, 2026: 1.81% APYSep 21, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
6 Month Certificate
$0
1.76% ▼ 1.17% below California avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▼ 1.17% below avgNationally 2.77%
Details

Balance: $10,000

Rate History
No change since Sep 21, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 21, 2026: 1.76% APYSep 21, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
6 Month Certificate
$0
1.66% ▼ 1.27% below California avg
View
▼
Rate1.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▼ 1.27% below avgNationally 2.77%
Details

Balance: $1,000

Rate History
No change since Sep 21, 2026 · 1.66% APY · checked 5 times
1.16%1.66%2.16%Sep 21, 2026: 1.66% APYSep 21, 2026Oct 14, 2026
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
312 W Main St, El Cajon, CA 92020
6 Month IRA Certificate
$0
1.00% ▼ 1.93% below California avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.93%▼ 1.93% below avgNationally 2.77%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
6 Month IRA Certificate
$0
0.35% ▼ 2.58% below California avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▼ 2.58% below avgNationally 2.77%
Details

Balance: $50,000 - $89,999.99

Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 18, 2026: 0.35% APYSep 18, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
6 Month IRA Certificate
$0
0.30% ▼ 2.63% below California avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▼ 2.63% below avgNationally 2.77%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
6 Month IRA Certificate
$0
0.20% ▼ 2.73% below California avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▼ 2.73% below avgNationally 2.77%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
475 Fletcher Pkwy, El Cajon, CA 92020
6 month Standard Fixed Rate
$2,500
0.06% ▼ 2.87% below California avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.87% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
475 Fletcher Pkwy, El Cajon, CA 92020
6 month Standard Interest Rate
$2,500
0.06% ▼ 2.87% below California avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.87% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
475 Fletcher Pkwy, El Cajon, CA 92020
6 month Standard Fixed Rate
$2,500
0.05% ▼ 2.88% below California avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
6 Month IRA Certificates
$0
0.05% ▼ 2.88% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
6 Month Standard CD
$0
0.05% ▼ 2.88% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
6 Month Certificate
$1,000
4.50% ▲ 1.57% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 1.57% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 14, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40% ▲ 1.47% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 1.47% above avgNationally 2.77%
Details

Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.37% above California avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.93%▲ 1.37% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.30% ▲ 1.37% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 1.37% above avgNationally 2.77%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 8, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6-MONTH CD
$0
4.25% ▲ 1.32% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
IRA - 6-MONTH IRA CD
$1,000
4.25% ▲ 1.32% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
6 Month Term Share Certificate
$500
4.25% ▲ 1.32% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6 Month Summer CD Special
$0
4.25% ▲ 1.32% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6 Month Summer Certificate Specials - Term Certificate
$0
4.25% ▲ 1.32% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
6 Month Promo
$500
4.25% ▲ 1.32% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
6-Month Promotional IRA Share Certificate
$0
4.20% ▲ 1.27% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.27% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Share Certificate
$0
4.15% ▲ 1.22% above California avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.22% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.15%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
6-Month Add-On Promotional Share Certificate
$0
4.10% ▲ 1.17% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.17% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10% ▲ 1.17% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.17% above avgNationally 2.77%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-MONTH CD
$2,500
4.10% ▲ 1.17% above California avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 1.17% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificates - 6 Months
$0
4.07% ▲ 1.14% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.14% above avgNationally 2.77%
Details

Rate Type: Fixed; Dividends paid monthly

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05% ▲ 1.12% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.12% above avgNationally 2.77%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05% ▲ 1.12% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.12% above avgNationally 2.77%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 14, 2026
Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
6 month CD
$1,000
4.04% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.11% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 4 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 14, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
6 Month Jumbo Certificates of Deposit
$0
4.03% ▲ 1.10% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.93%▲ 1.10% above avgNationally 2.77%
Details

Rate History
No change since Sep 29, 2026 · 4.03% APY · checked 5 times
3.53%4.03%4.53%Sep 29, 2026: 4.03% APYSep 29, 2026Oct 14, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
6 Month Mini Money Maker Certificate of Deposit
$2,000
4.03% ▲ 1.10% above California avg
View
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.93%▲ 1.10% above avgNationally 2.77%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 7, 2026: 4.03% APYOct 7, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.00% ▲ 1.07% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.07% above avgNationally 2.77%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00% ▲ 1.07% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.07% above avgNationally 2.77%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.07% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.07% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6 Month Share Certificate
$1,000
4.00% ▲ 1.07% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.07% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.07% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.07% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026

El Cajon 12 Month CD Rates

California 12 Month CD Average3.14% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
709 Fletcher Pkwy, El Cajon, CA 92020
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.21% above California avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
709 Fletcher Pkwy, El Cajon, CA 92020
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.86% above California avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
1-Year CD
$0
4.00% ▲ 0.86% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
1-Year Term
$1,000
4.00% ▲ 0.86% above California avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
306 Broadway, El Cajon, CA 92021
12 Month Term Certificates & IRA Certificates
$0
3.75% ▲ 0.61% above California avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 0.61% above avgNationally 2.99%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 14, 2026
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
12 Month Certificate
$0
3.35% ▲ 0.21% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.21% above avgNationally 2.99%
Details

Rate Type: Fixed; Rates As Of October 1, 2026

Rate History
No change since Sep 21, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 21, 2026: 3.35% APYSep 21, 2026Oct 14, 2026
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
12 Month Certificate
$0
3.30% ▲ 0.16% above California avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.16% above avgNationally 2.99%
Details

Rate Type: Fixed; Rates As Of October 1, 2026

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
12 Month Certificate and IRA Certificate
$0
3.15% ▲ 0.01% above California avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.01% above avgNationally 2.99%
Details

Balance: $100,000+

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
12 Month Standard Certificate
$0
3.15% ▲ 0.01% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.01% above avgNationally 2.99%
Details

Balance: $100K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
12 Month Certificate and IRA Certificate
$0
3.10% ▼ 0.04% below California avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.04% below avgNationally 2.99%
Details

Balance: $10,000-$99,999

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
12 Month Standard Certificate
$0
3.10% ▼ 0.04% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.04% below avgNationally 2.99%
Details

Balance: $10K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
12 Month Certificate and IRA Certificate
$0
3.05% ▼ 0.09% below California avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.09% below avgNationally 2.99%
Details

Balance: $2,000-$9,999

Rate History
No change since Oct 13, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
12 Month Standard Certificate
$0
3.05% ▼ 0.09% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.09% below avgNationally 2.99%
Details

Balance: $2K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 14, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
780 Jamacha Rd, El Cajon, CA 92019
1 Year add on CD
$50
2.63% ▼ 0.51% below California avg
View
▼
Rate2.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▼ 0.51% below avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 2.63% APY
2.13%2.63%3.13%Oct 10, 2026: 2.63% APYOct 10, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
12 Month Certificate
$0
2.32% ▼ 0.82% below California avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.82% below avgNationally 2.99%
Details

Balance: $50,000

Rate History
No change since Sep 28, 2026 · 2.32% APY · checked 2 times
1.82%2.32%2.82%Sep 28, 2026: 2.32% APYSep 28, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
12 Month Certificate
$0
2.29% ▼ 0.85% below California avg
View
▼
Rate2.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.85% below avgNationally 2.99%
Details

Balance: $10,000

Rate History
No change since Sep 14, 2026 · 2.29% APY · checked 6 times
1.79%2.29%2.79%Sep 14, 2026: 2.29% APYSep 14, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
12 Month Certificate
$0
2.17% ▼ 0.97% below California avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.97% below avgNationally 2.99%
Details

Balance: $1,000

Rate History
No change since Sep 21, 2026 · 2.17% APY · checked 5 times
1.67%2.17%2.67%Sep 21, 2026: 2.17% APYSep 21, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
12 Month CD
$500
2.00% ▼ 1.14% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.14% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
475 Fletcher Pkwy, El Cajon, CA 92020
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.63% below California avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.63% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
475 Fletcher Pkwy, El Cajon, CA 92020
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.63% below California avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.63% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
475 Fletcher Pkwy, El Cajon, CA 92020
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.64% below California avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.64% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
312 W Main St, El Cajon, CA 92020
12 Month IRA Certificate
$0
1.50% ▼ 1.64% below California avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▼ 1.64% below avgNationally 2.99%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
12 Month IRA Certificates
$0
0.75% ▼ 2.39% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
12 Month Standard CD
$0
0.75% ▼ 2.39% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
1-Year RampUp Plus
$25,000
0.25% ▼ 2.89% below California avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▼ 2.89% below avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
12 Month Relationship Certificate
$0
5.90% ▲ 2.76% above California avg
View
▼
Rate5.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 2.76% above avgNationally 2.99%
Details

Relationship Certificate(12 months)Terms Apply

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

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

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

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

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

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

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

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

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

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

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

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

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

Minimum to open $1,000.00

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

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

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

Balance: $500 (maximum principal balance)

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

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

Available to new funds only.

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

New Money CDs

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

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 14, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Featured rate

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

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

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

Rate Effective Date: October 12, 2026

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

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

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

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

Online CDs

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

Minimum balance to open and obtain APY is $1000.

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

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

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

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026

El Cajon 18 Month CD Rates

California 18 Month CD Average3.10% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
709 Fletcher Pkwy, El Cajon, CA 92020
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.60% above California avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.60% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
306 Broadway, El Cajon, CA 92021
18 Month Term Certificates & IRA Certificates
$0
3.30% ▲ 0.20% above California avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.20% above avgNationally 2.88%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 14, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
780 Jamacha Rd, El Cajon, CA 92019
18 Month CD
$1,000
3.25% ▲ 0.15% above California avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.15% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
18-Month CD
$0
2.75% ▼ 0.35% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▼ 0.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
18-Month Term
$1,000
2.75% ▼ 0.35% below California avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▼ 0.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
18 Month Certificate
$0
2.63% ▼ 0.47% below California avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 0.47% below avgNationally 2.88%
Details

Balance: $50,000

Rate History
No change since Sep 21, 2026 · 2.63% APY · checked 5 times
2.13%2.63%3.13%Sep 21, 2026: 2.63% APYSep 21, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
18 Month Certificate
$0
2.58% ▼ 0.52% below California avg
View
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 0.52% below avgNationally 2.88%
Details

Balance: $10,000

Rate History
No change since Sep 21, 2026 · 2.58% APY · checked 5 times
2.08%2.58%3.08%Sep 21, 2026: 2.58% APYSep 21, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
18 Month Certificate and IRA Certificate
$0
2.55% ▼ 0.55% below California avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 0.55% below avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Oct 13, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 13, 2026: 2.55% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
18 Month Standard Certificate
$0
2.55% ▼ 0.55% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 0.55% below avgNationally 2.88%
Details

Balance: $100K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 13, 2026: 2.55% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
18 Month Certificate and IRA Certificate
$0
2.50% ▼ 0.60% below California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 0.60% below avgNationally 2.88%
Details

Balance: $10,000-$99,999

Rate History
No change since Oct 13, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
18 Month Standard Certificate
$0
2.50% ▼ 0.60% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 0.60% below avgNationally 2.88%
Details

Balance: $10K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
18 Month Certificate
$0
2.48% ▼ 0.62% below California avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 0.62% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 21, 2026 · 2.48% APY · checked 5 times
1.98%2.48%2.98%Sep 21, 2026: 2.48% APYSep 21, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
18 Month Certificate and IRA Certificate
$0
2.45% ▼ 0.65% below California avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 0.65% below avgNationally 2.88%
Details

Balance: $2,000-$9,999

Rate History
No change since Oct 13, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 13, 2026: 2.45% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
18 Month Standard Certificate
$0
2.45% ▼ 0.65% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 0.65% below avgNationally 2.88%
Details

Balance: $2K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 13, 2026: 2.45% APYOct 13, 2026Oct 14, 2026
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
312 W Main St, El Cajon, CA 92020
18 Month IRA Certificate
$0
1.75% ▼ 1.35% below California avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▼ 1.35% below avgNationally 2.88%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
18 Month IRA Certificates
$0
0.75% ▼ 2.35% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
18 Month Standard CD
$0
0.75% ▼ 2.35% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
18 Month Bump Rate IRA Certificate
$0
0.55% ▼ 2.55% below California avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 2.55% below avgNationally 2.88%
Details

Balance: $50,000 - $89,999.99

Rate History
No change since Sep 22, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 22, 2026: 0.55% APYSep 22, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
18 Month Bump Rate IRA Certificate
$0
0.50% ▼ 2.60% below California avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 2.60% below avgNationally 2.88%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
18 Month Bump Rate IRA Certificate
$0
0.40% ▼ 2.70% below California avg
View
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▼ 2.70% below avgNationally 2.88%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
18 Month CD
$500
0.02% ▼ 3.08% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 3.08% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50% ▲ 1.40% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.40% above avgNationally 2.88%
Details

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

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.50% ▲ 1.40% above California avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.40% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.45% ▲ 1.35% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.35% above avgNationally 2.88%
Details

Senior

Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
3.35%4.18%5.00%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.45% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.45%▲ from 4.25%
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Or, 4.35% APY* with $100 min.

Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.35%▼ from 4.50%
  • Oct 4, 20264.50%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.35% ▲ 1.25% above California avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.35% ▲ 1.25% above California avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 14, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month Share Certificate
$0
4.35% ▲ 1.25% above California avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Sep 14, 2026: 4.25% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35% ▲ 1.25% above California avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
3.15%4.05%4.95%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD
$500
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Senior

Rate History
2 changes since Sep 21, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.35% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month CD
$500
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Month Business Certificate Specials
$0
4.30% ▲ 1.20% above California avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 1.20% above avgNationally 2.88%
Details

Balance: $500

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYOct 1, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
18-MONTH CD
$0
4.25% ▲ 1.15% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
IRA - 18-MONTH IRA CD
$1,000
4.25% ▲ 1.15% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
18 Month Term Share Certificate
$500
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 18 Month
$1,000
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25% ▲ 1.15% above California avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25% ▲ 1.15% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

CD Special; Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18-Months Promotional Term and IRA Certificates - 18 Months
$1,000
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-MONTH CD
$500
4.25% ▲ 1.15% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.20% ▲ 1.10% above California avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.10% above avgNationally 2.88%
Details

Regular

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18% ▲ 1.08% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.08% above avgNationally 2.88%
Details

Terms and Conditions

Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
3.58%4.13%4.68%Sep 7, 2026: 4.08% APYSep 19, 2026: 4.18% APYSep 7, 2026Oct 14, 2026
  • Sep 19, 20264.18%▲ from 4.08%
  • Sep 7, 20264.08%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17% ▲ 1.07% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.10%▲ 1.07% above avgNationally 2.88%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.05% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month IRA Traditional & Roth CD
$500
4.15% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.05% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 13, 2026: 4.15% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD
$500
4.15% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.05% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.15% ▲ 1.05% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.05% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026

El Cajon 24 Month CD Rates

California 24 Month CD Average2.98% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
709 Fletcher Pkwy, El Cajon, CA 92020
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.62% above California avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 0.62% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
306 Broadway, El Cajon, CA 92021
24 Month Term Certificates & IRA Certificates
$0
3.25% ▲ 0.27% above California avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▲ 0.27% above avgNationally 2.88%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 14, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
306 Broadway, El Cajon, CA 92021
24 Months Certificate
$0
3.25% ▲ 0.27% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
780 Jamacha Rd, El Cajon, CA 92019
2 Year CD
$1,000
3.25% ▲ 0.27% above California avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
24 Month Certificate
$0
3.04% ▲ 0.06% above California avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 0.06% above avgNationally 2.88%
Details

Balance: $50,000 tier (Minimum/Maximum column)

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
24 Month Certificate
$0
2.99% ▲ 0.01% above California avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 0.01% above avgNationally 2.88%
Details

Balance: $10,000 tier (Minimum/Maximum column)

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 6 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
24 Month Certificate
$0
2.89% ▼ 0.09% below California avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.09% below avgNationally 2.88%
Details

Balance: $1,000 tier (Minimum/Maximum column)

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 6 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
24 Month Certificate and IRA Certificate
$0
2.55% ▼ 0.43% below California avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.43% below avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Oct 13, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 13, 2026: 2.55% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
24 Month Standard Certificate
$0
2.55% ▼ 0.43% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.43% below avgNationally 2.88%
Details

Balance: $100K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 13, 2026: 2.55% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
24 Month Certificate and IRA Certificate
$0
2.50% ▼ 0.48% below California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.48% below avgNationally 2.88%
Details

Balance: $10,000-$99,999

Rate History
No change since Oct 13, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
24 Month Standard Certificate
$0
2.50% ▼ 0.48% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.48% below avgNationally 2.88%
Details

Balance: $10K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
24 Month Certificate and IRA Certificate
$0
2.45% ▼ 0.53% below California avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.53% below avgNationally 2.88%
Details

Balance: $2,000-$9,999

Rate History
No change since Oct 13, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 13, 2026: 2.45% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
24 Month Standard Certificate
$0
2.45% ▼ 0.53% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.53% below avgNationally 2.88%
Details

Balance: $2K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 13, 2026: 2.45% APYOct 13, 2026Oct 14, 2026
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
312 W Main St, El Cajon, CA 92020
24 Month IRA Certificate
$0
1.75% ▼ 1.23% below California avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▼ 1.23% below avgNationally 2.88%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
24 Month IRA Certificates
$0
0.75% ▼ 2.23% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
24 Month Standard CD
$0
0.75% ▼ 2.23% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
24 Month IRA Certificate
$0
0.65% ▼ 2.33% below California avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 2.33% below avgNationally 2.88%
Details

Balance: $50,000 - $89,999.99

Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 5 times
0.15%0.65%1.15%Sep 18, 2026: 0.65% APYSep 18, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
24 Month IRA Certificate
$0
0.60% ▼ 2.38% below California avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 2.38% below avgNationally 2.88%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 5 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
24 Month IRA Certificate
$0
0.50% ▼ 2.48% below California avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 2.48% below avgNationally 2.88%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
2-Year CD
$0
0.40% ▼ 2.58% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▼ 2.58% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
2-Year Term
$1,000
0.40% ▼ 2.58% below California avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▼ 2.58% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
2-Year RampUp Plus
$25,000
0.25% ▼ 2.73% below California avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▼ 2.73% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
2 Year CD
$500
0.05% ▼ 2.93% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 2.93% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2 Year Consumer Certificate of Deposit
$500
4.60% ▲ 1.62% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.62% above avgNationally 2.88%
Details

Maximum opening deposit $500,000.00

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

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

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45% ▲ 1.47% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.47% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45% ▲ 1.47% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.47% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Elite Jumbo CD
$250,000
4.45% ▲ 1.47% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.47% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.40% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month CD
$500
4.40% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CD
$0
4.35% ▲ 1.37% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35% ▲ 1.37% above California avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.37% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month Certificate
$0
4.33% ▲ 1.35% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.35% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 21, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 21, 2026: 4.07% APYOct 9, 2026: 4.33% APYSep 21, 2026Oct 14, 2026
  • Oct 9, 20264.33%▲ from 4.07%
  • Sep 21, 20264.07%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Share Certificate
$0
4.30% ▲ 1.32% above California avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.32% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
24-MONTH CD
$0
4.25% ▲ 1.27% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
24-MONTH IRA CD
$0
4.25% ▲ 1.27% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
2 Year Term Share Certificate
$500
4.25% ▲ 1.27% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
Epic Premium Promotion - 2-year Term Share Certificate
$0
4.25% ▲ 1.27% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 24 Month
$1,000
4.25% ▲ 1.27% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Certificate - 2 Year
$0
4.25% ▲ 1.27% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

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

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-MONTH CD
$500
4.25% ▲ 1.27% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

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

Balance: $500-$99,999

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.23% APYSep 21, 2026Oct 14, 2026
  • Oct 9, 20264.23%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2 Year IRA Traditional & Roth CD
$500
4.20% ▲ 1.22% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 13, 2026: 4.20% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Regular CD
$500
4.20% ▲ 1.22% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 Month Summer CD Special
$0
4.20% ▲ 1.22% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.22% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 14, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 Month Summer Certificate Specials - Term Certificate
$0
4.20% ▲ 1.22% above California avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.22% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 14, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
24 Month Jumbo Certificates of Deposit
$0
4.13% ▲ 1.15% above California avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.98%▲ 1.15% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 29, 2026: 4.13% APYSep 29, 2026Oct 14, 2026

El Cajon 36 Month CD Rates

California 36 Month CD Average3.01% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
709 Fletcher Pkwy, El Cajon, CA 92020
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.14% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 1.14% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
709 Fletcher Pkwy, El Cajon, CA 92020
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.09% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 1.09% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
780 Jamacha Rd, El Cajon, CA 92019
3 Year CD
$1,000
3.25% ▲ 0.24% above California avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
36 Month Certificate
$0
3.04% ▲ 0.03% above California avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.03% above avgNationally 2.81%
Details

Balance: $50,000 minimum; Minimum/Maximum: $50,000

Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
36 Month Certificate
$0
2.99% ▼ 0.02% below California avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 0.02% below avgNationally 2.81%
Details

Balance: $10,000 minimum; Minimum/Maximum: $10,000

Rate History
No change since Sep 21, 2026 · 2.99% APY · checked 5 times
2.49%2.99%3.49%Sep 21, 2026: 2.99% APYSep 21, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
36 Month Certificate
$0
2.89% ▼ 0.12% below California avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 0.12% below avgNationally 2.81%
Details

Balance: $1,000 minimum; Minimum/Maximum: $1,000

Rate History
No change since Sep 21, 2026 · 2.89% APY · checked 5 times
2.39%2.89%3.39%Sep 21, 2026: 2.89% APYSep 21, 2026Oct 14, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
306 Broadway, El Cajon, CA 92021
36 Month Term Certificates & IRA Certificates
$0
2.40% ▼ 0.61% below California avg
View
▼
Rate2.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▼ 0.61% below avgNationally 2.81%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 22, 2026 · 2.40% APY · checked 3 times
1.90%2.40%2.90%Sep 22, 2026: 2.40% APYSep 22, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
36 Month Certificate and IRA Certificate
$0
2.05% ▼ 0.96% below California avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 0.96% below avgNationally 2.81%
Details

Balance: $100,000+

Rate History
No change since Oct 13, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 13, 2026: 2.05% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
36 Month Standard Certificate
$0
2.05% ▼ 0.96% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 0.96% below avgNationally 2.81%
Details

Balance: $100K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 13, 2026: 2.05% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
36 Month Certificate and IRA Certificate
$0
2.00% ▼ 1.01% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 1.01% below avgNationally 2.81%
Details

Balance: $10,000-$99,999

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
36 Month Standard Certificate
$0
2.00% ▼ 1.01% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 1.01% below avgNationally 2.81%
Details

Balance: $10K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
36 Month Certificate and IRA Certificate
$0
1.95% ▼ 1.06% below California avg
View
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 1.06% below avgNationally 2.81%
Details

Balance: $2,000-$9,999

Rate History
No change since Oct 13, 2026 · 1.95% APY
1.45%1.95%2.45%Oct 13, 2026: 1.95% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
36 Month Standard Certificate
$0
1.95% ▼ 1.06% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 1.06% below avgNationally 2.81%
Details

Balance: $2K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 1.95% APY
1.45%1.95%2.45%Oct 13, 2026: 1.95% APYOct 13, 2026Oct 14, 2026
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
312 W Main St, El Cajon, CA 92020
36 Month IRA Certificate
$0
1.75% ▼ 1.26% below California avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▼ 1.26% below avgNationally 2.81%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
36 Month IRA Certificate
$0
0.80% ▼ 2.21% below California avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 2.21% below avgNationally 2.81%
Details

Balance: $50,000 - $89,999.99

Rate History
No change since Sep 22, 2026 · 0.80% APY · checked 4 times
0.30%0.80%1.30%Sep 22, 2026: 0.80% APYSep 22, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
36 Month IRA Certificate
$0
0.75% ▼ 2.26% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 22, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 22, 2026: 0.75% APYSep 22, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
36 Month IRA Certificates
$0
0.75% ▼ 2.26% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
36 Month Standard CD
$0
0.75% ▼ 2.26% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
36 Month IRA Certificate
$0
0.65% ▼ 2.36% below California avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 2.36% below avgNationally 2.81%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 22, 2026 · 0.65% APY · checked 4 times
0.15%0.65%1.15%Sep 22, 2026: 0.65% APYSep 22, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
3-Year CD
$0
0.40% ▼ 2.61% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
3-Year Term
$1,000
0.40% ▼ 2.61% below California avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
3-Year RampUp
$25,000
0.25% ▼ 2.76% below California avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
3 Year CD
$500
0.05% ▼ 2.96% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 2.96% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
36 Month Certificate
$1,000
4.50% ▲ 1.49% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50% ▲ 1.49% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
36 Month Deferred Compensation Certificate
$50
4.40% ▲ 1.39% above California avg
View
▼
Rate4.31%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40% ▲ 1.39% above California avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35% ▲ 1.34% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30% ▲ 1.29% above California avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.29% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
36-MONTH CD
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
36-MONTH IRA CD
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Online CD
$25,000
4.25% ▲ 1.24% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Compounded Daily; Early Withdrawal Penalty

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

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 36 Month
$1,000
4.25% ▲ 1.24% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month Share Certificate
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 13, 2026: 4.25% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Regular CD
$500
4.25% ▲ 1.24% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
3 Years Add-On Certificate
$0
4.15% ▲ 1.14% above California avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 1.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.09% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 1.09% above avgNationally 2.81%
Details

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

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

Rate History
1 change since Sep 12, 2026 · 2.53% → 4.07% ▲ 1.54 pts · high 4.07% / low 2.53%
0.99%3.30%5.61%Sep 12, 2026: 2.53% APYOct 8, 2026: 4.07% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.07%▲ from 2.53%
  • Sep 12, 20262.53%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month Certificate
$0
4.07% ▲ 1.06% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.06% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 14, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.05% ▲ 1.04% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.04% above avgNationally 2.81%
Details

Balance: $200,000.00 and over

Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 21, 2026: 4.05% APYSep 21, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.04% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 1.04% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.01% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.01% above avgNationally 2.81%
Details

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

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

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

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

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Certificate - 3 Year
$0
4.00% ▲ 0.99% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

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

Balance: $90,000.00 - $199,999.99

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00% ▲ 0.99% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026

El Cajon 48 Month CD Rates

California 48 Month CD Average3.02% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
780 Jamacha Rd, El Cajon, CA 92019
4 Year CD
$1,000
3.07% ▲ 0.05% above California avg
View
▼
Rate3.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.05% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.07% APY · checked 6 times
2.57%3.07%3.57%Sep 14, 2026: 3.07% APYSep 14, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
48 Month Certificate
$0
3.04% ▲ 0.02% above California avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.02% above avgNationally 2.80%
Details

Balance: $50,000

Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
48 Month Certificate
$0
2.99% ▼ 0.03% below California avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 0.03% below avgNationally 2.80%
Details

Balance: $10,000

Rate History
No change since Sep 21, 2026 · 2.99% APY · checked 5 times
2.49%2.99%3.49%Sep 21, 2026: 2.99% APYSep 21, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
48 Month Certificate
$0
2.89% ▼ 0.13% below California avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 0.13% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Sep 21, 2026 · 2.89% APY · checked 5 times
2.39%2.89%3.39%Sep 21, 2026: 2.89% APYSep 21, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
48 Month IRA Certificate
$0
2.50% ▼ 0.52% below California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 0.52% below avgNationally 2.80%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
48 Month Certificate and IRA Certificate
$0
2.05% ▼ 0.97% below California avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 0.97% below avgNationally 2.80%
Details

Balance: $100,000+

Rate History
No change since Oct 13, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 13, 2026: 2.05% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
48 Month Standard Certificate
$0
2.05% ▼ 0.97% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 0.97% below avgNationally 2.80%
Details

Balance: $100K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 13, 2026: 2.05% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
48 Month Certificate and IRA Certificate
$0
2.00% ▼ 1.02% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 1.02% below avgNationally 2.80%
Details

Balance: $10,000-$99,999

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
48 Month Standard Certificate
$0
2.00% ▼ 1.02% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 1.02% below avgNationally 2.80%
Details

Balance: $10K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
48 Month Certificate and IRA Certificate
$0
1.95% ▼ 1.07% below California avg
View
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 1.07% below avgNationally 2.80%
Details

Balance: $2,000-$9,999

Rate History
No change since Oct 13, 2026 · 1.95% APY
1.45%1.95%2.45%Oct 13, 2026: 1.95% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
48 Month Standard Certificate
$0
1.95% ▼ 1.07% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 1.07% below avgNationally 2.80%
Details

Balance: $2K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 1.95% APY
1.45%1.95%2.45%Oct 13, 2026: 1.95% APYOct 13, 2026Oct 14, 2026
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
312 W Main St, El Cajon, CA 92020
48 Month IRA Certificate
$0
1.75% ▼ 1.27% below California avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▼ 1.27% below avgNationally 2.80%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
48 Month IRA Certificate
$0
0.75% ▼ 2.27% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
48 Month IRA Certificates
$0
0.75% ▼ 2.27% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
48 Month Standard CD
$0
0.75% ▼ 2.27% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
4-Year CD
$0
0.50% ▼ 2.52% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 2.52% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
4-Year Term
$1,000
0.50% ▼ 2.52% below California avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 2.52% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
4-Year RampUp
$50,000
0.25% ▼ 2.77% below California avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 2.77% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
4 Year CD
$500
0.15% ▼ 2.87% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.87% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.73% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.73% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40% ▲ 1.38% above California avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.38% above avgNationally 2.80%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30% ▲ 1.28% above California avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.28% above avgNationally 2.80%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
48 Month Jumbo Certificate
$100,000
4.30% ▲ 1.28% above California avg
View
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 1.28% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
4 Year Certificate
$1,000
4.28% ▲ 1.26% above California avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 1.26% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 12, 2026 · 2.53% → 4.28% ▲ 1.75 pts · high 4.28% / low 2.53%
0.78%3.41%6.03%Sep 12, 2026: 2.53% APYOct 8, 2026: 4.28% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.28%▲ from 2.53%
  • Sep 12, 20262.53%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
48-MONTH CD
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
48-MONTH IRA CD
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
4 Year Term Share Certificate
$500
4.25% ▲ 1.23% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 48 Month
$1,000
4.25% ▲ 1.23% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Share Certificate
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
48 Month Certificate
$500
4.25% ▲ 1.23% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
48 Month Promo Certificate
$1,000
4.25% ▲ 1.23% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20% ▲ 1.18% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.18% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Certificate
$0
4.07% ▲ 1.05% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.05% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 14, 2026
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
48-Month Term Share Certificate
$500
4.06% ▲ 1.04% above California avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.04% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month IRA Certificates - Jumbo
$0
4.05% ▲ 1.03% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 1.03% above avgNationally 2.80%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Share Certificates - Jumbo
$0
4.05% ▲ 1.03% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 1.03% above avgNationally 2.80%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 48 months
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
48-month Certificate - GoldStar
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Certificate - 4 Year
$0
4.00% ▲ 0.98% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month IRA Certificates - Gold
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Share Certificates - Gold
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Certificate
$0
3.97% ▲ 0.95% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.95% above avgNationally 2.80%
Details

Balance: $500-$99,999

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97% ▲ 0.95% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 0.95% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.95% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month IRA Certificates - Silver
$0
3.95% ▲ 0.93% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 14, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Share Certificates - Silver
$0
3.95% ▲ 0.93% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 14, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Jumbo Certificate
$0
3.95% ▲ 0.93% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.93% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 22, 2026: 3.95% APYSep 22, 2026Oct 14, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Jumbo IRA Certificate
$0
3.95% ▲ 0.93% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.93% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Share Certificates 48 Months
$0
3.91% ▲ 0.89% above California avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.89% above avgNationally 2.80%
Details

Balance: $10,000

Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 18, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.90% ▲ 0.88% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▲ 0.88% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 14, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Oct 2, 20263.75%first recorded

El Cajon 60 Month CD Rates

California 60 Month CD Average3.22% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
709 Fletcher Pkwy, El Cajon, CA 92020
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.68% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.68% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
709 Fletcher Pkwy, El Cajon, CA 92020
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.63% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.63% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
60 Month Certificate
$0
3.30% ▲ 0.08% above California avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.08% above avgNationally 2.91%
Details

Balance: $50,000 tier (Minimum/Maximum column)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
60 Month Certificate
$0
3.25% ▲ 0.03% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.03% above avgNationally 2.91%
Details

Balance: $10,000 tier (Minimum/Maximum column)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
780 Jamacha Rd, El Cajon, CA 92019
5 Year CD
$1,000
3.15% ▼ 0.07% below California avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▼ 0.07% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
East County Schools Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
60 Month Certificate
$0
3.14% ▼ 0.08% below California avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▼ 0.08% below avgNationally 2.91%
Details

Balance: $1,000 tier (Minimum/Maximum column)

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 6 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
60 Month IRA Certificate
$0
2.65% ▼ 0.57% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▼ 0.57% below avgNationally 2.91%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 5 times
2.15%2.65%3.15%Sep 18, 2026: 2.65% APYSep 18, 2026Oct 14, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
306 Broadway, El Cajon, CA 92021
60 Month Term Certificates & IRA Certificates
$0
2.40% ▼ 0.82% below California avg
View
▼
Rate2.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.22%▼ 0.82% below avgNationally 2.91%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 22, 2026 · 2.40% APY · checked 3 times
1.90%2.40%2.90%Sep 22, 2026: 2.40% APYSep 22, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
60 Month Certificate and IRA Certificate
$0
2.05% ▼ 1.17% below California avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▼ 1.17% below avgNationally 2.91%
Details

Balance: $100,000+

Rate History
No change since Oct 13, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 13, 2026: 2.05% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
60 Month Standard Certificate
$0
2.05% ▼ 1.17% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▼ 1.17% below avgNationally 2.91%
Details

Balance: $100K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 13, 2026: 2.05% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
60 Month Certificate and IRA Certificate
$0
2.00% ▼ 1.22% below California avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▼ 1.22% below avgNationally 2.91%
Details

Balance: $10,000-$99,999

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
60 Month Standard Certificate
$0
2.00% ▼ 1.22% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▼ 1.22% below avgNationally 2.91%
Details

Balance: $10K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
60 Month Certificate and IRA Certificate
$0
1.95% ▼ 1.27% below California avg
View
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▼ 1.27% below avgNationally 2.91%
Details

Balance: $2,000-$9,999

Rate History
No change since Oct 13, 2026 · 1.95% APY
1.45%1.95%2.45%Oct 13, 2026: 1.95% APYOct 13, 2026Oct 14, 2026
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
270 Fletcher Pkwy, El Cajon, CA 92020
60 Month Standard Certificate
$0
1.95% ▼ 1.27% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▼ 1.27% below avgNationally 2.91%
Details

Balance: $2K minimum; Must meet membership and account criteria

Rate History
No change since Oct 13, 2026 · 1.95% APY
1.45%1.95%2.45%Oct 13, 2026: 1.95% APYOct 13, 2026Oct 14, 2026
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
312 W Main St, El Cajon, CA 92020
60 Month IRA Certificate
$0
1.75% ▼ 1.47% below California avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.22%▼ 1.47% below avgNationally 2.91%
Details

Balance: $2,000.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
898 Jackman St, El Cajon, CA 92020 3057
60 Month IRA Certificate
$0
1.00% ▼ 2.22% below California avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▼ 2.22% below avgNationally 2.91%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
60 Month IRA Certificates
$0
0.75% ▼ 2.47% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▼ 2.47% below avgNationally 2.91%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1234 E Main St, El Cajon, CA 92021
60 Month Standard CD
$0
0.75% ▼ 2.47% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▼ 2.47% below avgNationally 2.91%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
5-Year CD
$0
0.50% ▼ 2.72% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▼ 2.72% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
175 W Main St, El Cajon, CA 92020
5-Year Term
$1,000
0.50% ▼ 2.72% below California avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▼ 2.72% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.53% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.53% above avgNationally 2.91%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Roth
$500
4.60% ▲ 1.38% above California avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.38% above avgNationally 2.91%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 14, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Traditional
$500
4.60% ▲ 1.38% above California avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.38% above avgNationally 2.91%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 14, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
60 Month Jumbo Certificate
$100,000
4.55% ▲ 1.33% above California avg
View
▼
Rate4.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 1.33% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.55% APY · checked 5 times
4.05%4.55%5.05%Sep 18, 2026: 4.55% APYSep 18, 2026Oct 14, 2026
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Online CD
$25,000
4.50% ▲ 1.28% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

Compounded Daily; Early Withdrawal Penalty

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 28, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
5 Year Certificate
$1,000
4.50% ▲ 1.28% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 14, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
5 Year Term Share Certificate
$500
4.50% ▲ 1.28% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 4, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 4, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
Epic Premium Promotion - 5-year Term Share Certificate
$0
4.50% ▲ 1.28% above California avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Deferred Compensation Certificate
$50
4.50% ▲ 1.28% above California avg
View
▼
Rate4.40%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 14, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50% ▲ 1.28% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

Dividends credited monthly; early-withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Regular Certificate - 60 Months
$500
4.50% ▲ 1.28% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5 Year IRA Traditional & Roth CD
$500
4.50% ▲ 1.28% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 13, 2026: 4.50% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Regular CD
$500
4.50% ▲ 1.28% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
60 Month Certificate
$500
4.50% ▲ 1.28% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month IRA Certificate
$0
4.40% ▲ 1.18% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.18% above avgNationally 2.91%
Details

Traditional and Roth IRA; Jumbo

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Traditional IRA Certificate
$0
4.40% ▲ 1.18% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.18% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$100,000
4.40% ▲ 1.18% above California avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.18% above avgNationally 2.91%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
5 Year Certificate
$1,000
4.39% ▲ 1.17% above California avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.17% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 12, 2026 · 2.53% → 4.39% ▲ 1.86 pts · high 4.39% / low 2.53%
0.67%3.46%6.25%Sep 12, 2026: 2.53% APYOct 8, 2026: 4.39% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.39%▲ from 2.53%
  • Sep 12, 20262.53%first recorded
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
4.35% ▲ 1.13% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.13% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month IRA Certificate
$0
4.35% ▲ 1.13% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.13% above avgNationally 2.91%
Details

Traditional and Roth IRA; Jumbo

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Traditional IRA Certificate
$0
4.35% ▲ 1.13% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.13% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 14, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate
$500
4.35% ▲ 1.13% above California avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.13% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Roth IRA Certificates
$0
4.33% ▲ 1.11% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.11% above avgNationally 2.91%
Details

Account 9500; Dividends paid monthly; early withdrawal forfeiture applies

Rate History
No change since Sep 18, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Sep 18, 2026: 4.33% APYSep 18, 2026Oct 14, 2026
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Simplified Employee Pension (SEP) IRA Certificates
$0
4.33% ▲ 1.11% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.11% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Traditional IRA Certificates
$0
4.33% ▲ 1.11% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.11% above avgNationally 2.91%
Details

Product code 9500

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month IRA Certificate
$0
4.30% ▲ 1.08% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details

Traditional and Roth IRA

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.30%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Share Certificate
$0
4.30% ▲ 1.08% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Traditional IRA Certificate
$0
4.30% ▲ 1.08% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$500
4.30% ▲ 1.08% above California avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
60-MONTH CD
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
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.

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Top CD Rates from El Cajon, California Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
CIT Bank
1-Year CD
A 5.0 ★ TX: 7.72%
Min: $0
4.00%
First Citizens Bank
12 Month CD
A 5.0 ★ TX: 7.72%
Min: $500
2.00%
Wells Fargo
1 year Standard Fixed Rate
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
BMO Bank National Association
12 Month IRA Certificates
A+ 5.0 ★ TX: 3.54%
Min: $0
0.75%
Happen Bank
2 Year Consumer Certificate of Deposit
A+ 5.0 ★ TX: 2.06%
Min: $500
4.60%
CU Top 5 Credit Union Rates
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Wheelhouse Credit Union
12 Month Term Certificates & IRA Certificates
A+ 5.0 ★ TX: 1.23%
Min: $0
3.75%
Employees Choice Federal Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 0.00%
Min: $0
3.35%
East County Schools Federal Credit Union
60 Month Certificate
A 5.0 ★ TX: 7.47%
Min: $0
3.30%
MyPoint Credit Union
18 Month CD
A+ 5.0 ★ TX: 2.57%
Min: $1,000
3.25%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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El Cajon, CA CD Rate Trends

Compare local El Cajon, CA CD rate quotes against the statewide average

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

View Full California CD Trends
12-Month CD CA Avg
3.137%
▲ 0.021 vs 7 days ago

California 12-month CD rates rose 0.021 points over the past 7 days to 3.137% APY.

6-Month CD CA Avg
2.930%
▼ 0.017 vs 7 days ago

California 6-month CD rates fell 0.017 points over the past 7 days to 2.930% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

CA CD Rate Forecast, Next 12 Months

Where are California CD rates headed through October 2027?

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

CA 12-Month Avg APY
3.137%
6-Month Forecast
3.137%
Range: 2.94%, 3.29%
12-Month Forecast
3.387%
Range: 3.19%, 3.54%

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

Spread model: The California 12-month CD average currently trades 1.24% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at CA CD Rates Today

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

CD Term CA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.373% $118.66 $237.32 $593.30 $1,186.60
6-Month CD 2.930% $146.50 $292.99 $732.48 $1,464.95
12-Month CD 3.137% $156.85 $313.69 $784.23 $1,568.45
18-Month CD 3.101% $155.05 $310.10 $775.25 $1,550.50
24-Month CD 2.983% $149.17 $298.33 $745.82 $1,491.65
36-Month CD 3.012% $150.58 $301.17 $752.93 $1,505.85
48-Month CD 3.016% $150.77 $301.55 $753.88 $1,507.75
60-Month CD 3.217% $160.85 $321.70 $804.25 $1,608.50
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for El Cajon, California Savers

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

Build Your Ladder
Rung Term Deposit CA Avg APY Annual Earnings
1 3-Month CD $5,000 2.373% $118.66
2 6-Month CD $5,000 2.930% $146.50
3 12-Month CD $5,000 3.137% $156.85
4 24-Month CD $5,000 2.983% $149.17
5 36-Month CD $5,000 3.012% $150.58
Total ($25,000 invested) $25,000 2.887% blended $721.76/yr

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

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3,220
CD Rates
Tracked in El Cajon, California
31 Banks 88 Credit Unions

About Our El Cajon, California CD Rate Database

MonitorBankRates tracks 3,220 CD rates from 31 banks and 88 credit unions with locations in El Cajon, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Navy Federal Credit Union offers a CD at 4.35% APY with a minimum deposit of $50. Use the rate table above to compare all current offers in El Cajon, California.

How to Find the Best CD Rates in El Cajon, California

What to compare when shopping for a CD in El Cajon, California

To find the best APYs in El Cajon, California, start with credit unions and online-only banks: El Cajon, California has 88 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 El Cajon, 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 El Cajon, California: 119 institutions here report CD rates

Consider an Alternative If…

El Cajon, California Financial Snapshot

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

Population 65+
14.5%
National avg: 17.3%
Median Individual Earnings
$36,161
National avg: $47,340
Poverty Rate
20.5%
National avg: 11.1%
Unemployment Rate
9.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$113/yr
At CA 12-mo avg 3.137% APY

14.5% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 9.5% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 3.137%, saving 10% of the local median salary ($3,616/year) and putting it in a CD would earn an additional $113 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 El Cajon, California

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

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

How Certificates of Deposit Work in El Cajon, 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 El Cajon, 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 El Cajon, California as everywhere in the U.S.

Choosing a CD Term in El Cajon, 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 El Cajon, California savers easier access to their funds. For example, CIT Bank is offering its 6-Month CD at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Navy Federal Credit Union is offering its 5 Year ESA Long-Term Certificate at 3.90% 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 El Cajon, 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 El Cajon, 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 El Cajon, 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 El Cajon, 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 El Cajon, California

Most CDs carry a fixed rate that is locked for the entire term, protecting a El Cajon, 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 El Cajon, California

Are CD rates in El Cajon, California FDIC insured?

Yes, most established banks in El Cajon, 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 El Cajon, 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 El Cajon, 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 El Cajon, 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 El Cajon, California?

Here are recent top rates found for this area:
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • CIT Bank: 4.00% APY (1-Year CD)
  • Wheelhouse Credit Union: 3.75% APY (12 Month Term Certificates & IRA Certificates)
  • Employees Choice Federal Credit Union: 3.35% APY (12 Month Certificate)
  • East County Schools Federal Credit Union: 3.30% APY (60 Month Certificate)
  • MyPoint Credit Union: 3.25% APY (18 Month CD)
  • Mission Federal Credit Union: 3.15% APY (12 Month Certificate and IRA Certificate)
  • California Coast Credit Union: 2.65% APY (60 Month IRA Certificate)
  • First Citizens Bank: 2.00% APY (12 Month CD)
  • San Diego County Credit Union: 1.75% APY (18 Month IRA Certificate)
Rates reflect recent verified offers available in El Cajon, California. Last Updated: October 13, 2026

El Cajon, California CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top El Cajon, California CD Rates by Term

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

CD Calculators for El Cajon, California

El Cajon, California CD Calculator

At today’s CA top rate of 4.35% APY, a $10,000 deposit earns $435 in the first year. Enter your amount to see your exact return.

El Cajon, California CD Ladder

CA CD rates currently range from 2.373% (3-month) to 3.012% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a El Cajon, California CD at 4.35% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

California’s average 12-month CD is 3.137% 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 El Cajon, 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 El Cajon, 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 El Cajon, California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.

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

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

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