CD Rates Encinitas, California (CA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Encinitas, California CD rates include ComericaComerica110 S El Camino Real, Encinitas, CA 92024A+5.0 ★Texas Ratio: 4.80%Real return: -0.80%APY minus CPI (February 2026) offering 12-month fixed-rate CD at 2.00% APY, San Diego County Credit UnionSan Diego County Credit Union501 N El Camino Real, Encinitas, CA 92024A+5.0 ★Texas Ratio: 0.58%Real return: -1.05%APY minus CPI (February 2026) offering 24 Month Certificate at 1.75% APY, Wells FargoWells Fargo276 N El Camino Real, Encinitas, CA 92024A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY, Premier One Credit UnionPremier One Credit UnionA+5.0 ★Texas Ratio: 1.63%Real return: +1.70%APY minus CPI (February 2026) offering 24-month IRA Traditional & Roth Share Certificates at 4.50% APY, and U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY. CD rates as of April 13, 2026 according to verified data from MonitorBankRates.
Encinitas has 12 local institutions in our database, with CD rates as high as 2.00% APY from Comerica at 110 S El Camino Real, Encinitas, CA 92024. 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 — 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: April 13, 2026
Compare Best CD Rates in Encinitas, California & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
501 N El Camino Real, Encinitas, CA 92024
3 Month Certificate
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 13, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
276 N El Camino Real, Encinitas, CA 92024
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Online Only
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 3 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Share Certificates - Gold Minimum 3 month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
$50,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
90 Day Certificate Special
$10,000
3.41%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
balances $10,000 - $100,000
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Month IRA Pick-A-Term Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
90 Day Certificate of Deposit
$10,000
3.37%
▼
Rate3.31%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
90 DAY CERTIFICATE
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3-month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
$10,000 to $99,999.99
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Month Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 3 Month Certificates
$1,500
2.85%
▼
Rate2.81%
Min Deposit$1,500
Min Balance—
UpdatedApr 13, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
3 Month Certificate
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3-Month Certificate and IRA Certificates
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 3-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
3-Month CD
$25,000
2.65%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
3-Month Share Certificates
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3 Month Term Share & IRA Term Share Accounts
$10,000
2.53%
▼
Rate2.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Regular Certificates 3 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month Certificates
$500
1.92%
▼
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
3 Month Certificate
$0
1.82%
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Month CD
$10,000
1.24%
▼
Rate1.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Minimum to open & earn dividends: $100,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 3 month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3-month Share Certificate
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
501 N El Camino Real, Encinitas, CA 92024
6 Month Certificate
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 13, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
276 N El Camino Real, Encinitas, CA 92024
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 13, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
6 Month Certificates of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
6 month Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
6-Month Add-On Promotional Share Certificate
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 6 month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 6 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Over $90,000
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
IRA Certificate Account Terms 6-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA - 6 Month Certificate
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6 Month IRA Pick-A-Term Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 MONTH CERTIFICATE
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
6 Month Certificate of Deposit
$10,000
3.32%
▼
Rate3.27%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
6 Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month CD
$1,000
3.24%
▼
Rate3.19%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000 Min.
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6 Month Certificate Special
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 6 Month
$50,000
3.15%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6-Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 Month Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
6-Month Certificates
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6-MONTH Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Non-Rewards+ Loyalty Program
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
6 Month Certificate
$10,000
2.90%
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
6-Month Share Certificates
$50,000
2.80%
▼
Rate2.77%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
6 month Certificates and IRAs
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 6 month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Under $100,000
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
6 Month Term Share & IRA Term Share Accounts
$100,000
2.73%
▼
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 6 Month
$1,000
2.70%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate2.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6-Month CD
$25,000
2.65%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
6-Month Share Certificates
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Certificate
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6-month IRA Traditional & Roth Share Certificates
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
6-Month Share Certificates
$0
2.03%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
6 MONTH IRA CERTIFICATE
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 Month Savings Certificate
$90,000
1.50%
▼
Rate1.48%
Min Deposit$90,000
Min Balance—
UpdatedApr 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
110 S El Camino Real, Encinitas, CA 92024
12-month fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
276 N El Camino Real, Encinitas, CA 92024
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 13, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
501 N El Camino Real, Encinitas, CA 92024
12 Month Certificate
$2,000
1.50%
▼
Rate1.49%
Min Deposit$2,000
Min Balance—
UpdatedApr 13, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA - 12 Month Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 year Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
PremiumSpend Checking bundle
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
HavenTM Certificate 12-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 13, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
$10,000 - $49,999.99
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA - 1 Year k
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
$100
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 month CDs
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Limited time offer. Only available in our branches.
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
12-Month Variable Rate Certificate
$0
3.77%
▼
Rate3.71%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1 Year Youth Share Certificates
$250
3.75%
▼
Rate3.69%
Min Deposit$250
Min Balance—
UpdatedApr 13, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Get Fit IRA 1 Year Certificate
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 12 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 12 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 12 Month Certificates
$1,500
3.56%
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
UpdatedApr 13, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1-Year Certificate
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rewards+ Loyalty Program
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
12-Month Share Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Plus 1 relationship product
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1-Year Certificate and IRA Certificates
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 month Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
1 YEAR CERTIFICATE
$0
3.38%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
12 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 1 year
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 12-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
12-month Certificate
$10,000
3.20%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12-Month Term Share Certificate
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
1 Year Certificate of Deposit
$10,000
3.17%
▼
Rate3.12%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
IRA Certificates 1 Year
$100
3.10%
▼
Rate3.06%
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12 Month Certificate
$10,000
3.05%
▼
Rate3.01%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
12 Month Certificate Special
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
12 MONTH CERTIFICATE
$100
3.03%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
12-Month Share Certificates
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
12 Month Share Certificates
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Jumbo Term Share Certificates & IRA Share Certificates 1 Year
$100,000
2.90%
▼
Rate2.86%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
12 month Certificates and IRAs
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1 Year Term Savings Certificates
$100,000
2.85%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1 Year CD
$1,000
2.83%
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000 Min.
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
1 Year Term Share & IRA Term Share Accounts
$100,000
2.78%
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Funding Limit: $12M
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
12 MONTH CERTIFICATE
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1 year add on Certificate Account
$50
2.63%
▼
Rate2.60%
Min Deposit$50
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
501 N El Camino Real, Encinitas, CA 92024
18 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 13, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
HavenTM Certificate 18-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 13, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
$50,000 - $99,999.99
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 18 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Over $90,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
18 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rewards+ Loyalty Program
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18-Month Certificate and IRA Certificates
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
18 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
18 Month Certificate
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
18-month CD
$25,000
3.15%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 18 Month Certificates
$1,500
3.05%
▼
Rate3.01%
Min Deposit$1,500
Min Balance—
UpdatedApr 13, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18-month IRA Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18-Month Certificate Special
$500
2.76%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
In today's volatile rate market, enjoy a highly competitive rate, with the peace of mind that your funds are insured; Fast and easy online opening; Certificate rolls into 24-month Certificate upon maturity
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
18 Month CD 100,000.00+
$100,000
2.58%
▼
Rate2.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
18-Month Share Certificates
$0
2.54%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month Certificates
$500
2.43%
▼
Rate2.40%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18 Month Bump Term Share and Traditional, Roth & SEP IRA Certificates
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
18 Month Savings Certificate
$350,000
1.70%
▼
Rate1.68%
Min Deposit$350,000
Min Balance—
UpdatedApr 13, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 18 month
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.50%
Min Deposit$250
Min Balance—
UpdatedApr 13, 2026
Details
Universal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 MONTH TERM (ADDITION ALLOWED)
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
18 Month Certificate of Deposit
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
501 N El Camino Real, Encinitas, CA 92024
24 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 13, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 and over
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
24-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 13, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
1-2 Year Share Certificate
$250,000
3.87%
▼
Rate3.80%
Min Deposit$250,000
Min Balance—
UpdatedApr 13, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 24 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Over $90,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Minimum to open & earn dividends: $100,000
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month - Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2 Year Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 24 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rewards+ Loyalty Program
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
24 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 month Share Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 2 Year
$0
3.29%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
IRA Certificates 2 Year
$100
3.20%
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 24 Month
$50,000
3.15%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
24-Month Share Certificates
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2-Year Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 24-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 2 Year
$1,000
2.95%
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2 Year Term Share & IRA Term Share Accounts
$100,000
2.94%
▼
Rate2.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
24 MONTH CERTIFICATE
$100
2.83%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
2 Year Certificate
$100
2.75%
▼
Rate2.71%
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
2 Year CD
$1,000
2.73%
▼
Rate2.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000 Min.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 24 Month Certificates
$1,500
2.72%
▼
Rate2.69%
Min Deposit$1,500
Min Balance—
UpdatedApr 13, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2 Year Certificate
$0
2.71%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
24 Month Certificates
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
24 Month CD 100,000.00+
$100,000
2.53%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
2 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2 Year Certificate of Deposit
$1,000
2.40%
▼
Rate2.38%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
24-Month Share Certificates
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
24 MONTH IRA CERTIFICATE
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2 Year Time Deposit Account
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
24 Month Savings Certificate
$350,000
1.80%
▼
Rate1.78%
Min Deposit$350,000
Min Balance—
UpdatedApr 13, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
2 Year Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
24-Month Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2-Year IRA
$50,000
0.80%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
$50,000.00 & over
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 24 month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Jumbo Certificates of Deposit 2 year
$99,000
0.55%
▼
Rate0.55%
Min Deposit$99,000
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
501 N El Camino Real, Encinitas, CA 92024
36 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 13, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
36-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 13, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 36 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Over $90,000
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 MONTH JUMBO CD
$10,000
3.78%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Annual Percentage Yield, effective as of 04/01/2026. $10,000.00 minimum NEW MONEY investment in Certificate of Deposit to receive stated rate. Additional Certificate of Deposit rates and terms are available. Rates are subject to change. Fees may reduce earnings. Penalty for early withdrawal.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Year Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
36-Month Share Certificates
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 Minimum to Earn APY
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3-Year Certificate and IRA Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Minimum to open & earn dividends: $100,000
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
36 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rewards+ Loyalty Program
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 YEAR CERTIFICATE
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
3-Year Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
36 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 3 Year
$0
3.34%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
36 Month Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
36-Month Share Certificates
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedApr 13, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 month Share Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
36-Month Term Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 36-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
36 month Certificates and IRAs
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 Month Certificates
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 3 Year
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Year Certificate
$0
2.76%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Year Certificate
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 36 Month Certificates
$1,500
2.65%
▼
Rate2.62%
Min Deposit$1,500
Min Balance—
UpdatedApr 13, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000 Min.
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
3 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
36 Month CD 100,000.00+
$100,000
2.43%
▼
Rate2.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
36 MONTH CERTIFICATE
$100
2.32%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
36-Month Share Certificates
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
36 Month Savings Certificate
$0
1.95%
▼
Rate1.92%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Year Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 36 month
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month Share Certificate
$100,000
0.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Month Certificate
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000.00 - $9,999.99
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
501 N El Camino Real, Encinitas, CA 92024
48 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 13, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
48-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 13, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 48 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Over $90,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4-Year Certificate and IRA Certificates
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
48-Month Share Certificates
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Mini-Jumbo College Saver Certificates 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Minimum to open & earn dividends: $50,000
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Rewards+ Loyalty Program
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
48 Month Share Certificates
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 4 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
48 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
4 Year Certificate
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedApr 13, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Jumbo Term Share Certificates & IRA Share Certificates 4 Year
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month Certificates
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedApr 13, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
48 month Certificates and IRAs
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Certificate Accounts 48-Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4-Year Certificate
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 month Share Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 MONTH IRA CERTIFICATE
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
48 Month CD 100,000.00+
$100,000
2.53%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000 Min.
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
4 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
4-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
48-Month Share Certificates
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 48 Month Certificates
$1,500
1.96%
▼
Rate1.94%
Min Deposit$1,500
Min Balance—
UpdatedApr 13, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
48 MONTH CERTIFICATE
$100
1.81%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4 Year Certificate
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month Share Certificate
$100,000
1.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 48 month
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month Certificate
$1,000
0.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000.00 - $9,999.99
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
48-Month Certificate
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
501 N El Camino Real, Encinitas, CA 92024
60 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedApr 13, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
$100,000 and over
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6 to 60-Month GoldStar? Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate is 0.100% APY lower for non-GoldStar? members
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
60 Month Share Certificates
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
5-Year Certificate and IRA Certificates
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 60 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Over $90,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
60-Month Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Minimum to open & earn dividends: $100,000
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 - 5 Year Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
60 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60 Month Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5 YEAR CERTIFICATE
$0
3.59%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
60-MONTH Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
IRA Certificates 5 Year
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
IRA Certificates 5 Year
$100
3.50%
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA Certificates (CD) with 60 month term
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 5 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
60 Month Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5-Year Certificate
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
60 Month Certificates
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
60-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
60 month Certificates and IRAs
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Certificates (Fixed Rate) 5 Year Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
5 Year Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
60 month term Certificate Rate
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
60 Month CD 100,000.00+
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
5 Year CD
$1,000
2.62%
▼
Rate2.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000 Min.
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
5 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 13, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month IRA
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 13, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
5-Year Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 60 Month Certificates
$1,500
2.09%
▼
Rate2.07%
Min Deposit$1,500
Min Balance—
UpdatedApr 13, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
60-Month Term Share Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
60 MONTH CERTIFICATE
$100
1.81%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 13, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5 Year Time Deposit Account
$0
1.80%
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
IRA 60-Month
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Share Certificate
$100,000
1.35%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 13, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Jumbo Certificates of Deposit 5 year
$99,000
1.00%
▼
Rate1.00%
Min Deposit$99,000
Min Balance—
UpdatedApr 13, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month Certificate
$1,000
0.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 13, 2026
Details
$1,000.00 - $9,999.99
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Encinitas, CA CD Rate Trends
Compare local Encinitas, 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.
12-Month CD — CA Avg
2.532%
Unchanged vs 7 days ago
California 12-month CD rates currently average 2.532% APY based on data from institutions in our monitoring network.
6-Month CD — CA Avg
2.196%
Unchanged vs 7 days ago
California 6-month CD rates currently average 2.196% APY based on data from institutions in our monitoring network.
As of Apr 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CA CD Rate Forecast — Next 12 Months
Where are California CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
2.532%
6-Month Forecast
2.532%
Range: 2.33% – 2.68%
12-Month Forecast
2.282%
Range: 2.08% – 2.43%
Powered by
MonitorBankRates
What Your Savings Earn at CA CD Rates Today
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.228% | $111.39 | $222.78 | $556.95 | $1,113.90 |
| 6-Month CD | 2.196% | $109.78 | $219.56 | $548.90 | $1,097.80 |
| 12-Month CD | 2.532% | $126.61 | $253.22 | $633.05 | $1,266.10 |
| 18-Month CD | 2.776% | $138.80 | $277.59 | $693.98 | $1,387.95 |
| 24-Month CD | 2.661% | $133.05 | $266.10 | $665.25 | $1,330.50 |
| 36-Month CD | 3.003% | $150.14 | $300.27 | $750.68 | $1,501.35 |
| 48-Month CD | 3.079% | $153.97 | $307.93 | $769.83 | $1,539.65 |
| 60-Month CD | 2.912% | $145.59 | $291.18 | $727.95 | $1,455.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 13, 2026. | |||||
Sample CD Ladder for Encinitas, California Savers
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.228% | $111.39 |
| 2 | 6-Month CD | $5,000 | 2.196% | $109.78 |
| 3 | 12-Month CD | $5,000 | 2.532% | $126.61 |
| 4 | 24-Month CD | $5,000 | 2.661% | $133.05 |
| 5 | 36-Month CD | $5,000 | 3.003% | $150.14 |
| Total ($25,000 invested) | $25,000 | 2.524% blended | $630.97/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.
109
Institutions
in Encinitas, California
in Encinitas, California
26 Banks
83 Credit Unions
About Our Encinitas, California CD Rate Database
MonitorBankRates tracks CD rates from 26 banks and 83 credit unions with locations in Encinitas, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Comerica offers a CD at 2.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Encinitas, California.
How to Find the Best CD Rates in Encinitas, California
What to compare when shopping for a CD in Encinitas, California
To find the best APYs in Encinitas, California, start with credit unions and online-only banks — Encinitas, California has 83 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 Encinitas, 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 Encinitas, California — 109 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Encinitas, California savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Encinitas, California money market rates
Encinitas, California Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
19.9%
National avg: 17.3%
Median Individual Earnings
$70,640
National avg: $47,340
Poverty Rate
7.4%
National avg: 11.1%
Unemployment Rate
4.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$179/yr
At CA 12-mo avg 2.532% APY
19.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s CA 12-month CD average of 2.532%, saving 10% of the local median salary ($7,064/year) and putting it in a CD would earn an additional $179 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 Encinitas, California
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Encinitas, California
Are CD rates in Encinitas, California FDIC insured?
Yes, most established banks in Encinitas, 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 Encinitas, 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 Encinitas, 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 Encinitas, 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 Encinitas, California?
Here are recent top rates found for this area:
- Comerica: 2.00% APY (12-month fixed-rate CD)
- San Diego County Credit Union: 1.75% APY (18 Month Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Central Valley Firefighters Credit Union: 4.12% APY (IRA - 12 Month Certificate)
- F&A Federal Credit Union: 4.10% APY (1 year Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- USC Credit Union: 4.05% APY (12-month certificate)
Rates reflect recent verified offers available in Encinitas, California. Last Updated: April 13, 2026
CD Calculators for Encinitas, California
Encinitas, California CD Calculator
At today’s CA top rate of 2.00% APY, a $10,000 deposit earns $200 in the first year. Enter your amount to see your exact return.
Encinitas, California CD LadderCA CD rates currently range from 2.228% (3-month) to 3.003% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Encinitas, California CD at 2.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.532% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Encinitas, 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 pulling data straight 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 Encinitas, 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: April 13, 2026
Rate Assistant
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