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CD Rate Trends

Huntington Beach, California Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Huntington Beach, California CD rates range from 0.02% to 5.90% APY, verified by MonitorBankRates as of October 14, 2026. Current Huntington Beach, California CD rates include Kinecta Federal Credit UnionKinecta Federal Credit Union7881 Edinger Ave, Huntington Beach, CA 92647A+5.0 ★Texas Ratio: 3.82%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month Promo Certificate at 4.50% APY, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union7151 Warner Ave, Huntington Beach, CA 92647A+5.0 ★Texas Ratio: 5.56%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Deferred Compensation Certificate at 4.50% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO16900 Goldenwest St, Huntington Beach, CA 92647A+5.0 ★Texas Ratio: 2.49%Real return: +1.37%APY minus CPI (February 2026) offering 18-Month Variable Rate IRA at 4.17% APY, CIT BankCIT Bank7061 Yorktown Ave, Huntington Beach, CA 92648A5.0 ★Texas Ratio: 7.72%Real return: +1.20%APY minus CPI (February 2026) offering Term CD - 1-Year Term at 4.00% APY, and Nuvision Federal Credit UnionNuvision Federal Credit Union7812 Edinger Ave, Huntington Beach, CA 92647A+5.0 ★Texas Ratio: 3.84%Real return: +0.75%APY minus CPI (February 2026) offering 1-Year Certificate at 3.55% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Huntington Beach has 270 local institutions in our database, with CD rates as high as 4.50% APY from Kinecta Federal Credit Union at 7881 Edinger Ave, Huntington Beach, CA 92647. 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 14, 2026

Compare Best CD Rates in Huntington Beach, California & the Surrounding Area

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Huntington Beach 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
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
3-Month CD
$0
3.30% ▲ 0.93% above California avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.37%▲ 0.93% above avgNationally 2.09%
Details

Balance: $50,000+

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
2.55%3.18%3.80%Sep 14, 2026: 3.05% APYOct 9, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.30%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Month Certificate
$25,000
3.15% ▲ 0.78% above California avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.78% above avgNationally 2.09%
Details

$25,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
2.46%3.05%3.65%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.15% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20263.15%▲ from 3.05%
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
3-Month CD
$0
3.15% ▲ 0.78% above California avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.37%▲ 0.78% above avgNationally 2.09%
Details

Balance: $25,000+

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.15% ▲ 0.25 pts · high 3.15% / low 2.90%
2.40%3.03%3.65%Sep 14, 2026: 2.90% APYOct 9, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.15%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Month Certificate
$50,000
3.10% ▲ 0.73% above California avg
View
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.73% above avgNationally 2.09%
Details

$50,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
2.46%3.03%3.60%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.10% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20263.10%▲ from 3.05%
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Month Certificate
$25,000
3.05% ▲ 0.68% above California avg
View
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.68% above avgNationally 2.09%
Details

$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Month Certificate
$0
3.01% ▲ 0.64% above California avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.64% above avgNationally 2.09%
Details

Dividend Rate; $25,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
2.46%2.98%3.51%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 3.01% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20263.01%▲ from 3.00%
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Month Certificate
$1,000
3.00% ▲ 0.63% above California avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.63% above avgNationally 2.09%
Details

Share Certificate Rates; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
3-Month CD
$0
3.00% ▲ 0.63% above California avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.37%▲ 0.63% above avgNationally 2.09%
Details

Balance: $2,500+

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 2.75% APYOct 9, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.00%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
Share Certificate - 3-Month Certificate
$1,000
2.96% ▲ 0.59% above California avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.59% above avgNationally 2.09%
Details

Effective Date: 02/04/2026

Rate History
2 changes since Sep 15, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 2.96% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20262.96%▼ from 3.00%
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Month Jumbo Certificate
$0
2.60% ▲ 0.23% above California avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.23% above avgNationally 2.09%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 25, 2026: 2.60% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Month Traditional/Roth IRA Share Certificate
$0
2.60% ▲ 0.23% above California avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.23% above avgNationally 2.09%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 8, 2026: 2.60% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Month Business Jumbo Certificate
$0
2.50% ▲ 0.13% above California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.13% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Month Regular Certificate
$0
2.50% ▲ 0.13% above California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.13% above avgNationally 2.09%
Details

Regular

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Month Traditional/Roth IRA Share Certificate
$0
2.50% ▲ 0.13% above California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.13% above avgNationally 2.09%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Month Business Regular Certificate
$0
2.40% ▲ 0.03% above California avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.03% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 8, 2026: 2.40% APYOct 8, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
16900 Goldenwest St, Huntington Beach, CA 92647
3-Month CD
$0
2.00% ▼ 0.37% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 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
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
3 Month Certificate of Deposit (CD)
$1,000
0.50% ▼ 1.87% below California avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 1.87% below avgNationally 2.09%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 28, 2026: 0.50% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
3 Month Certificate of Deposit (CD)
$1,000
0.25% ▼ 2.12% below California avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.12% below avgNationally 2.09%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 28, 2026: 0.25% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
3 Month Certificate of Deposit (CD)
$1,000
0.10% ▼ 2.27% below California avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 28, 2026: 0.10% APYSep 28, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
19840 Beach Blvd, Huntington Beach, CA 92648
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.31% below California avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.31% below avgNationally 2.09%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
19840 Beach Blvd, Huntington Beach, CA 92648
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.32% below California avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 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%
6881 Warner Ave, Huntington Beach, CA 92647
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.32% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
3 Month Standard CD
$1,000
0.05% ▼ 2.32% below California avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
3 Month Certificate of Deposit (CD)
$1,000
0.03% ▼ 2.34% below California avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.34% below avgNationally 2.09%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 28, 2026: 0.03% APYSep 28, 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%
Personal Certificate of Deposit - 3-Month CD
$0
4.25% ▲ 1.88% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.88% above avgNationally 2.09%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 14, 2026
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%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.63% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.63% above avgNationally 2.09%
Details

Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 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 14, 2026
California Average2.37%▲ 1.48% above avgNationally 2.09%
Details

Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online

Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 24, 2026: 3.80% APYOct 14, 2026: 3.85% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
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 14, 2026
California Average2.37%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 8 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 (Digital)
$1,000
3.75% ▲ 1.38% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details

Digital product; Balance: $0 to obtain APY

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
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
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
3 month Certificate - Rewards+ Loyalty Program
$500
3.75% ▲ 1.38% above California avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3 Month WooriWON Certificate of Deposit (CD)
$1,000
3.70% ▲ 1.33% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.33% above avgNationally 2.09%
Details

Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 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
$0
3.70% ▲ 1.33% above California avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.33% above avgNationally 2.09%
Details

Anticipated rates; tier not labeled in source

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Sep 14, 2026: 3.35% APYOct 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.70%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate of Deposit
$0
3.65% ▲ 1.28% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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%
Business Liquid Certificate - 3 Month
$95,000
3.65% ▲ 1.28% above California avg
View
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

Effective Date: 09/01/2026; Requires $95,000 of New-to-Tech CU money; $95,000 must be maintained to earn APY

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 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%
Liquid Certificate - 3 Month
$1,000
3.65% ▲ 1.28% above California avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

Effective Date: 09/01/2026; APY available on minimum $1,000 of new-to-Tech CU money; penalties for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 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 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

Anticipated rates; Balance: $50,000 minimum

Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CDs
$0
3.60% ▲ 1.23% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 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%
Share Certificates - 3 month
$1,000
3.60% ▲ 1.23% above California avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Maximum deposit $500,000 per account and household; penalties for early withdrawal may apply

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 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 14, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)

Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 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 14, 2026
California Average2.37%▲ 1.18% above avgNationally 2.09%
Details

Balance: $500 or more; Account matures in 3 months; Fund with as much as $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026

Huntington Beach 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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
Term CD - 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 14, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
6-Month CD
$0
3.30% ▲ 0.37% above California avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.93%▲ 0.37% above avgNationally 2.77%
Details

Balance: $50,000+

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
2.55%3.18%3.80%Sep 14, 2026: 3.05% APYOct 9, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.30%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
6-Month Certificate
$25,000
3.15% ▲ 0.22% above California avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.22% above avgNationally 2.77%
Details

$25,000 min. deposit

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
2.46%3.05%3.65%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.15% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.15%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
6-Month IRA
$100,000
3.15% ▲ 0.22% above California avg
View
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.22% above avgNationally 2.77%
Details

Jumbo $100,000 min. deposit

Rate History
1 change since Sep 24, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
2.55%3.10%3.65%Sep 24, 2026: 3.05% APYOct 7, 2026: 3.15% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.15%▲ from 3.05%
  • Sep 24, 20263.05%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
6-Month CD
$0
3.15% ▲ 0.22% above California avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.93%▲ 0.22% above avgNationally 2.77%
Details

Balance: $25,000+

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.15% ▲ 0.25 pts · high 3.15% / low 2.90%
2.40%3.03%3.65%Sep 14, 2026: 2.90% APYOct 9, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.15%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
6-Month Certificate
$50,000
3.10% ▲ 0.17% above California avg
View
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.17% above avgNationally 2.77%
Details

$50,000 min. deposit

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
2.46%3.03%3.60%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.10% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.10%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
6-Month IRA
$50,000
3.10% ▲ 0.17% above California avg
View
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.17% above avgNationally 2.77%
Details

IRA; $50,000 min. deposit

Rate History
1 change since Sep 24, 2026 · 3.05% → 3.10% ▲ 0.05 pts · high 3.10% / low 3.05%
2.55%3.08%3.60%Sep 24, 2026: 3.05% APYOct 7, 2026: 3.10% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.10%▲ from 3.05%
  • Sep 24, 20263.05%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
6-Month Certificate
$25,000
3.05% ▲ 0.12% above California avg
View
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.12% above avgNationally 2.77%
Details

$25,000 min. deposit; Effective Date: 02/04/2026

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
6-Month IRA
$25,000
3.05% ▲ 0.12% above California avg
View
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.12% above avgNationally 2.77%
Details

Fixed Rate Accounts; $25,000 min. deposit; Rates for California

Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 24, 2026: 3.05% APYSep 24, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
6-Month Certificate
$1,000
3.00% ▲ 0.07% above California avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.07% above avgNationally 2.77%
Details

Dividend Rate 2.960%; Rates for California; Effective Date: 02/04/2026

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
6-Month IRA
$1,000
3.00% ▲ 0.07% above California avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.07% above avgNationally 2.77%
Details

Rates for California

Rate History
1 change since Sep 24, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
2.50%3.03%3.55%Sep 24, 2026: 3.05% APYOct 7, 2026: 3.00% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.00%▼ from 3.05%
  • Sep 24, 20263.05%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
6-Month CD
$0
3.00% ▲ 0.07% above California avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.93%▲ 0.07% above avgNationally 2.77%
Details

Balance: $2,500+

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 2.75% APYOct 9, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.00%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
6-Month Certificate
$1,000
2.96% ▲ 0.03% above California avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.03% above avgNationally 2.77%
Details

Share Certificate; $1,000 min. deposit; Effective Date 02/04/2026; Rates for California; APY not printed in source

Rate History
2 changes since Sep 15, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 2.96% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20262.96%▼ from 3.00%
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
6 Month Jumbo Certificate
$0
2.90% ▼ 0.03% below California avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.03% below avgNationally 2.77%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 2.90% APY · checked 4 times
2.40%2.90%3.40%Sep 25, 2026: 2.90% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
6 Month Traditional/Roth IRA Share Certificate
$0
2.90% ▼ 0.03% below California avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.03% below avgNationally 2.77%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 8, 2026: 2.90% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
6 Month Business Jumbo Certificate
$0
2.75% ▼ 0.18% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.18% below avgNationally 2.77%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
6 Month Regular Certificate
$0
2.75% ▼ 0.18% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.18% below avgNationally 2.77%
Details

Regular

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
6 Month Traditional/Roth IRA Share Certificate
$0
2.75% ▼ 0.18% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.18% below avgNationally 2.77%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
6 Month Business Regular Certificate
$0
2.65% ▼ 0.28% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.28% below avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 8, 2026: 2.65% APYOct 8, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
16900 Goldenwest St, Huntington Beach, CA 92647
Business 6-Month
$0
1.00% ▼ 1.93% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.93%▼ 1.93% below avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month Certificate of Deposit (CD)
$1,000
0.65% ▼ 2.28% below California avg
View
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.28% below avgNationally 2.77%
Details

Balance: $500,000 or more

Rate History
No change since Sep 28, 2026 · 0.65% APY · checked 5 times
0.15%0.65%1.15%Sep 28, 2026: 0.65% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month IRA Certificate
$500
0.65% ▼ 2.28% below California avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.28% below avgNationally 2.77%
Details

Balance: $500,000 or more

Rate History
No change since Sep 28, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Sep 28, 2026: 0.65% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month Certificate of Deposit (CD)
$1,000
0.50% ▼ 2.43% below California avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.43% below avgNationally 2.77%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 28, 2026: 0.50% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month IRA Certificate
$500
0.50% ▼ 2.43% below California avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.43% below avgNationally 2.77%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 28, 2026: 0.50% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month Certificate of Deposit (CD)
$1,000
0.45% ▼ 2.48% below California avg
View
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.48% below avgNationally 2.77%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.45% APY · checked 5 times
0.00%0.48%0.95%Sep 28, 2026: 0.45% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month IRA Certificate
$500
0.45% ▼ 2.48% below California avg
View
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.48% below avgNationally 2.77%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Sep 28, 2026: 0.45% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month Certificate of Deposit (CD)
$1,000
0.35% ▼ 2.58% below California avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.58% below avgNationally 2.77%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 28, 2026: 0.35% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month IRA Certificate
$500
0.10% ▼ 2.83% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.83% below avgNationally 2.77%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 28, 2026: 0.10% APYSep 28, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
19840 Beach Blvd, Huntington Beach, CA 92648
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.87% below California avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.87% below avgNationally 2.77%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
19840 Beach Blvd, Huntington Beach, CA 92648
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.88% below California avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
6 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.88% below California avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
6 Month Standard CD
$1,000
0.05% ▼ 2.88% below California avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month Certificate of Deposit (CD)
$1,000
0.03% ▼ 2.90% below California avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.90% below avgNationally 2.77%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 28, 2026: 0.03% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
6 Month IRA Certificate
$500
0.03% ▼ 2.90% below California avg
View
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.90% below avgNationally 2.77%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Sep 28, 2026: 0.03% APYSep 28, 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 IRA CD
$0
4.25% ▲ 1.32% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 6-Month CD
$0
4.25% ▲ 1.32% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 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%
Certificate Account - 6 Month Promo
$500
4.25% ▲ 1.32% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 14, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
6 month Certificate - Rewards+ Loyalty Program
$500
4.25% ▲ 1.32% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 14, 2026
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
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.10% ▲ 1.17% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.17% above avgNationally 2.77%
Details

Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 27, 2026: 4.05% APYOct 14, 2026: 4.10% APYSep 27, 2026Oct 14, 2026
  • Oct 14, 20264.10%▲ from 4.05%
  • Sep 27, 20264.05%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

Huntington Beach 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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
12-Month College Saver
$200
4.05% ▲ 0.91% above California avg
View
▼
Rate3.97%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.91% above avgNationally 2.99%
Details

The minimum opening deposit listed is also the minimum balance required to earn the stated APY.

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 29, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
Term CD - 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 14, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
1-Year Certificate
$100,000
3.55% ▲ 0.41% above California avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.41% above avgNationally 2.99%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
1-Year IRA
$100,000
3.55% ▲ 0.41% above California avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.41% above avgNationally 2.99%
Details

$100,000 min. deposit (Jumbo); Rates for California; Effective Date: 02/04/2026

Rate History
2 changes since Sep 18, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
2.95%3.50%4.05%Sep 18, 2026: 3.45% APYSep 24, 2026: 3.50% APYOct 7, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.55%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
1-Year CD
$0
3.55% ▲ 0.41% above California avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 0.41% above avgNationally 2.99%
Details

Balance: $50,000+

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.55%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
1-Year Certificate
$50,000
3.50% ▲ 0.36% above California avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.36% above avgNationally 2.99%
Details

$50,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
1-Year IRA
$50,000
3.50% ▲ 0.36% above California avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.36% above avgNationally 2.99%
Details

$50,000 min. deposit; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
2.95%3.48%4.00%Sep 18, 2026: 3.45% APYSep 24, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.50%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
1-Year Certificate
$25,000
3.45% ▲ 0.31% above California avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.31% above avgNationally 2.99%
Details

$25,000 min. deposit; Rates for California

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
1-Year IRA
$25,000
3.45% ▲ 0.31% above California avg
View
▼
Rate3.39%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.31% above avgNationally 2.99%
Details

Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026; Rates for California

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
1-Year Certificate
$1,000
3.40% ▲ 0.26% above California avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.26% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
1-Year IRA
$1,000
3.40% ▲ 0.26% above California avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.26% above avgNationally 2.99%
Details

IRA; Fixed Rate Accounts; Effective Date: 02/04/2026

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.40% ▼ 0.05 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 18, 2026: 3.45% APYOct 7, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.40%▼ from 3.45%
  • Sep 18, 20263.45%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
1-Year CD
$0
3.40% ▲ 0.26% above California avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 0.26% above avgNationally 2.99%
Details

Balance: $25,000+

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 14, 2026: 3.15% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.40%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
12 Month Jumbo Certificate
$0
3.25% ▲ 0.11% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.11% above avgNationally 2.99%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
12 Month Traditional/Roth IRA Share Certificate
$0
3.25% ▲ 0.11% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.11% above avgNationally 2.99%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
1-Year CD
$0
3.25% ▲ 0.11% above California avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 0.11% above avgNationally 2.99%
Details

Balance: $2,500+

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
12 Month Regular Certificate
$0
3.10% ▼ 0.04% below California avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.04% below avgNationally 2.99%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Sep 25, 2026: 3.10% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
12 Month Traditional/Roth IRA Share Certificate
$0
3.10% ▼ 0.04% below California avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.04% below avgNationally 2.99%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 8, 2026: 3.10% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
12 Month Business Jumbo Certificate
$0
3.00% ▼ 0.14% below California avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.14% below avgNationally 2.99%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
12 Month Business Regular Certificate
$0
2.80% ▼ 0.34% below California avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.34% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 8, 2026: 2.80% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
12-Month Liquid Certificate
$100
2.75% ▼ 0.39% below California avg
View
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.39% below avgNationally 2.99%
Details

Balance: $100 minimum opening balance

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
12 Month Certificate of Deposit
$500
2.00% ▼ 1.14% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.14% below avgNationally 2.99%
Details

CD yields may vary depending on your area. Contact your local branch for details.

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month Certificate of Deposit (CD)
$1,000
1.75% ▼ 1.39% below California avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.39% below avgNationally 2.99%
Details

Balance: $500,000 or more

Rate History
No change since Sep 28, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 28, 2026: 1.75% APYSep 28, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
19840 Beach Blvd, Huntington Beach, CA 92648
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.63% below California avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.63% below avgNationally 2.99%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
19840 Beach Blvd, Huntington Beach, CA 92648
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.64% below California avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.64% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month Certificate of Deposit (CD)
$1,000
1.50% ▼ 1.64% below California avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.64% below avgNationally 2.99%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 28, 2026: 1.50% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month IRA Certificate
$500
1.25% ▼ 1.89% below California avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.89% below avgNationally 2.99%
Details

Balance: $500,000 or more

Rate History
No change since Sep 28, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 28, 2026: 1.25% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month IRA Certificate
$500
1.00% ▼ 2.14% below California avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.14% below avgNationally 2.99%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 28, 2026: 1.00% APYSep 28, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
16900 Goldenwest St, Huntington Beach, CA 92647
Business 12-Month
$0
1.00% ▼ 2.14% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.14%▼ 2.14% below avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month Certificate of Deposit (CD)
$1,000
0.75% ▼ 2.39% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 28, 2026: 0.75% APYSep 28, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
12 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.39% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
12 Month Standard CD
$1,000
0.75% ▼ 2.39% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month IRA Certificate
$500
0.65% ▼ 2.49% below California avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.49% below avgNationally 2.99%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Sep 28, 2026: 0.65% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month Certificate of Deposit (CD)
$1,000
0.35% ▼ 2.79% below California avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.79% below avgNationally 2.99%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 28, 2026: 0.35% APYSep 28, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
RampUp CD - 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 14, 2026
California Average3.14%▼ 2.89% below avgNationally 2.99%
Details

Ramp Up CDs

Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month IRA Certificate
$500
0.10% ▼ 3.04% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 3.04% below avgNationally 2.99%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 28, 2026: 0.10% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month Certificate of Deposit (CD)
$1,000
0.05% ▼ 3.09% below California avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 3.09% below avgNationally 2.99%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 28, 2026: 0.05% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
12 Month IRA Certificate
$500
0.05% ▼ 3.09% below California avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 3.09% below avgNationally 2.99%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 28, 2026: 0.05% APYSep 28, 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

Huntington Beach 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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
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%
7881 Edinger Ave, Huntington Beach, CA 92647
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
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%
7881 Edinger Ave, Huntington Beach, CA 92647
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%
7881 Edinger Ave, Huntington Beach, CA 92647
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
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
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
16900 Goldenwest St, Huntington Beach, CA 92647
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
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
18 Month Certificate
$0
3.55% ▲ 0.45% above California avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.45% above avgNationally 2.88%
Details

Balance: $50,000+

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.55%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
18 Month Certificate
$0
3.40% ▲ 0.30% above California avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.30% above avgNationally 2.88%
Details

Balance: $25,000+

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 14, 2026: 3.15% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.40%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
18 Month Certificate
$0
3.25% ▲ 0.15% above California avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.15% above avgNationally 2.88%
Details

Balance: $2,500+

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month Certificate of Deposit (CD)
$1,000
2.78% ▼ 0.32% below California avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 0.32% below avgNationally 2.88%
Details

Balance: $500,000 or more

Rate History
2 changes since Sep 28, 2026 · 2.75% → 2.78% ▲ 0.03 pts · high 2.78% / low 2.27%
1.76%2.53%3.29%Sep 28, 2026: 2.75% APYOct 7, 2026: 2.27% APYOct 14, 2026: 2.78% APYSep 28, 2026Oct 14, 2026
  • Oct 14, 20262.78%▲ from 2.27%
  • Oct 7, 20262.27%▼ from 2.75%
  • Sep 28, 20262.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
Term CD - 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 14, 2026
California Average3.10%▼ 0.35% below avgNationally 2.88%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month Certificate of Deposit (CD)
$1,000
2.27% ▼ 0.83% below California avg
View
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 0.83% below avgNationally 2.88%
Details

Balance: $100,000-$499,999.99

Rate History
1 change since Sep 28, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25%
1.75%2.26%2.77%Sep 28, 2026: 2.25% APYOct 7, 2026: 2.27% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20262.27%▲ from 2.25%
  • Sep 28, 20262.25%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month IRA Certificate
$500
1.75% ▼ 1.35% below California avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 1.35% below avgNationally 2.88%
Details

Balance: $500,000 or more

Rate History
No change since Sep 28, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Sep 28, 2026: 1.75% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month IRA Certificate
$500
1.50% ▼ 1.60% below California avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 1.60% below avgNationally 2.88%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 28, 2026: 1.50% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month Certificate of Deposit (CD)
$1,000
1.25% ▼ 1.85% below California avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 1.85% below avgNationally 2.88%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Sep 28, 2026: 1.25% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month IRA Certificate
$500
0.75% ▼ 2.35% below California avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 28, 2026: 0.75% APYSep 28, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.35% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
18 Month Standard CD
$1,000
0.75% ▼ 2.35% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month Certificate of Deposit (CD)
$1,000
0.20% ▼ 2.90% below California avg
View
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.90% below avgNationally 2.88%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 28, 2026: 0.20% APYSep 28, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
16900 Goldenwest St, Huntington Beach, CA 92647
Business 18-Month
$0
0.15% ▼ 2.95% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.10%▼ 2.95% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 24, 2026: 0.15% APYSep 24, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month Certificate of Deposit (CD)
$1,000
0.10% ▼ 3.00% below California avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 3.00% below avgNationally 2.88%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 28, 2026: 0.10% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month IRA Certificate
$500
0.10% ▼ 3.00% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 3.00% below avgNationally 2.88%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 28, 2026: 0.10% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
18 Month IRA Certificate
$500
0.05% ▼ 3.05% below California avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 3.05% below avgNationally 2.88%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 28, 2026: 0.05% APYSep 28, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
18 Month Certificate of Deposit
$500
0.02% ▼ 3.08% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 3.08% below avgNationally 2.88%
Details

CD yields may vary depending on your area. Contact your local branch for details.

Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 14, 2026
PARISHIONERS
Institution Rating:
B+4.7 ★Texas Ratio: 18.39%
18-Month Certificate
$0
4.50% ▲ 1.40% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.40% above avgNationally 2.88%
Details

Limited time only; Earn up to 4.50% APY

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 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
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 Certificate of Deposit (CD)
$0
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 10, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Month Business Certificate Specials
$500
4.30% ▲ 1.20% above California avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.20% above avgNationally 2.88%
Details

Minimum balance to obtain APY: $500; APY on the Certificate Special accurate as of 09-28-2026

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 14, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies

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%
18-Month IRA CD
$0
4.25% ▲ 1.15% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
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
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
18 month Certificate - Rewards+ Loyalty Program
$500
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 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 14, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.05% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
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 14, 2026
California Average3.10%▲ 1.05% above avgNationally 2.88%
Details

Online Only; 30-day simple interest penalty for early withdrawal

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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 1.00% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.00% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026

Huntington Beach 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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
2 Year Jumbo Certificate
$0
3.35% ▲ 0.37% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.37% above avgNationally 2.88%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
2 Year Traditional/Roth IRA Share Certificate
$0
3.35% ▲ 0.37% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.37% above avgNationally 2.88%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 14, 2026
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
2-Year CD
$0
3.30% ▲ 0.32% above California avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▲ 0.32% above avgNationally 2.88%
Details

Balance: $50,000+

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
2.55%3.18%3.80%Sep 14, 2026: 3.05% APYOct 9, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.30%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
2 Year Regular Certificate
$0
3.20% ▲ 0.22% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.22% above avgNationally 2.88%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
2 Year Traditional/Roth IRA Share Certificate
$0
3.20% ▲ 0.22% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.22% above avgNationally 2.88%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 8, 2026: 3.20% APYOct 8, 2026Oct 14, 2026
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
2-Year CD
$0
3.15% ▲ 0.17% above California avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▲ 0.17% above avgNationally 2.88%
Details

Balance: $25,000+

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.15% ▲ 0.25 pts · high 3.15% / low 2.90%
2.40%3.03%3.65%Sep 14, 2026: 2.90% APYOct 9, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.15%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year Certificate
$100,000
3.05% ▲ 0.07% above California avg
View
▼
Rate3.01%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.07% above avgNationally 2.88%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year IRA
$100,000
3.05% ▲ 0.07% above California avg
View
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.07% above avgNationally 2.88%
Details

Jumbo $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year Certificate
$50,000
3.00% ▲ 0.02% above California avg
View
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.02% above avgNationally 2.88%
Details

$50,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year IRA
$50,000
3.00% ▲ 0.02% above California avg
View
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.02% above avgNationally 2.88%
Details

IRA; $50,000 min. deposit

Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Sep 18, 2026: 3.00% APYSep 24, 2026: 2.95% APYOct 7, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.00%▲ from 2.95%
  • Sep 24, 20262.95%▼ from 3.00%
  • Sep 18, 20263.00%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
2-Year CD
$0
3.00% ▲ 0.02% above California avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▲ 0.02% above avgNationally 2.88%
Details

Balance: $2,500+

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 2.75% APYOct 9, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.00%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year Certificate
$25,000
2.95% ▼ 0.03% below California avg
View
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.03% below avgNationally 2.88%
Details

$25,000 min. deposit; Effective Date: 02/04/2026

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 8 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year IRA
$25,000
2.95% ▼ 0.03% below California avg
View
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.03% below avgNationally 2.88%
Details

Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 18, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Sep 18, 2026: 3.00% APYSep 24, 2026: 2.95% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20262.95%▼ from 3.00%
  • Sep 18, 20263.00%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year Certificate
$1,000
2.90% ▼ 0.08% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.08% below avgNationally 2.88%
Details

Share Certificate Rates; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 18, 2026 · 2.95% → 2.90% ▼ 0.05 pts · high 2.95% / low 2.90%
2.40%2.93%3.45%Sep 18, 2026: 2.95% APYOct 14, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20262.90%▼ from 2.95%
  • Sep 18, 20262.95%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year IRA
$1,000
2.90% ▼ 0.08% below California avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.08% below avgNationally 2.88%
Details

IRA; Fixed Rate Accounts; Effective Date: 02/04/2026

Rate History
2 changes since Sep 18, 2026 · 3.00% → 2.90% ▼ 0.10 pts · high 3.00% / low 2.90%
2.40%2.95%3.50%Sep 18, 2026: 3.00% APYSep 24, 2026: 2.95% APYOct 7, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20262.90%▼ from 2.95%
  • Sep 24, 20262.95%▼ from 3.00%
  • Sep 18, 20263.00%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
Share Certificate - 2-Year Certificate
$1,000
2.90% ▼ 0.08% below California avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.08% below avgNationally 2.88%
Details

Rates for California; $1,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 8 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
2 Year Business Jumbo Certificate
$0
2.75% ▼ 0.23% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▼ 0.23% below avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
2 Year Business Regular Certificate
$0
2.65% ▼ 0.33% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▼ 0.33% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 8, 2026: 2.65% APYOct 8, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month IRA Certificate
$500
2.27% ▼ 0.71% below California avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.71% below avgNationally 2.88%
Details

Balance: $500,000 or more

Rate History
1 change since Sep 28, 2026 · 2.02% → 2.27% ▲ 0.25 pts · high 2.27% / low 2.02%
1.52%2.15%2.77%Sep 28, 2026: 2.02% APYOct 14, 2026: 2.27% APYSep 28, 2026Oct 14, 2026
  • Oct 14, 20262.27%▲ from 2.02%
  • Sep 28, 20262.02%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month IRA Certificate
$500
2.02% ▼ 0.96% below California avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.96% below avgNationally 2.88%
Details

Balance: $100,000-$499,999.99

Rate History
1 change since Sep 28, 2026 · 2.00% → 2.02% ▲ 0.02 pts · high 2.02% / low 2.00%
1.50%2.01%2.52%Sep 28, 2026: 2.00% APYOct 14, 2026: 2.02% APYSep 28, 2026Oct 14, 2026
  • Oct 14, 20262.02%▲ from 2.00%
  • Sep 28, 20262.00%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month Certificate of Deposit (CD)
$1,000
1.50% ▼ 1.48% below California avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 1.48% below avgNationally 2.88%
Details

Balance: $500,000 or more

Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 28, 2026: 1.50% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month Certificate of Deposit (CD)
$1,000
1.00% ▼ 1.98% below California avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 1.98% below avgNationally 2.88%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 28, 2026: 1.00% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month IRA Certificate
$500
1.00% ▼ 1.98% below California avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 1.98% below avgNationally 2.88%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 28, 2026: 1.00% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month Certificate of Deposit (CD)
$1,000
0.75% ▼ 2.23% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 28, 2026: 0.75% APYSep 28, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
24 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.23% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
24 Month Standard CD
$1,000
0.75% ▼ 2.23% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 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%
7061 Yorktown Ave, Huntington Beach, CA 92648
Jumbo CD - 2-Year Jumbo
$100,000
0.40% ▼ 2.58% below California avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.58% below avgNationally 2.88%
Details

Jumbo CDs

Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
Term CD - 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 14, 2026
California Average2.98%▼ 2.58% below avgNationally 2.88%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
RampUp CD - 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 14, 2026
California Average2.98%▼ 2.73% below avgNationally 2.88%
Details

Ramp Up CDs

Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month Certificate of Deposit (CD)
$1,000
0.20% ▼ 2.78% below California avg
View
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.78% below avgNationally 2.88%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 28, 2026: 0.20% APYSep 28, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
16900 Goldenwest St, Huntington Beach, CA 92647
Business 24-Month
$0
0.20% ▼ 2.78% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.98%▼ 2.78% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month Certificate of Deposit (CD)
$1,000
0.15% ▼ 2.83% below California avg
View
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.83% below avgNationally 2.88%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 28, 2026: 0.15% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month IRA Certificate
$500
0.15% ▼ 2.83% below California avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.83% below avgNationally 2.88%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Sep 28, 2026: 0.15% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
24 Month IRA Certificate
$500
0.10% ▼ 2.88% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.88% below avgNationally 2.88%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 28, 2026: 0.10% APYSep 28, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
2 Year Certificate of Deposit
$500
0.05% ▼ 2.93% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.93% below avgNationally 2.88%
Details

CD yields may vary depending on your area. Contact your local branch for details.

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.60% ▲ 1.62% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.62% above avgNationally 2.88%
Details

Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply

Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
3.95%4.53%5.10%Sep 27, 2026: 4.45% APYOct 14, 2026: 4.60% APYSep 27, 2026Oct 14, 2026
  • Oct 14, 20264.60%▲ from 4.45%
  • Sep 27, 20264.45%first recorded
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
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
24 month Certificate - Rewards+ Loyalty Program
$500
4.50% ▲ 1.52% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.52% above avgNationally 2.88%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 14, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA Certificate 24 Month - Rewards+ Loyalty Program
$25
4.50% ▲ 1.52% above California avg
View
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.52% above avgNationally 2.88%
Details

Rewards+ Loyalty Program rate; Minimum to earn dividend: $25; Available to open only during months when a Member is an active Rewards+ Loyalty Program Member; IRA fixed-term account; early withdrawal penalty may apply; Rates Effective as of: October 13, 2026

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 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 - Wealth Center/Telephone
$1,000
4.40% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 14, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 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 14, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month Certificate of Deposit (CD)
$0
4.40% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 18, 2026: 3.40% APYOct 14, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.35%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
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 14, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies

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

Huntington Beach 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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Year Jumbo Certificate
$0
3.35% ▲ 0.34% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Year Traditional/Roth IRA Share Certificate
$0
3.35% ▲ 0.34% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Year Regular Certificate
$0
3.20% ▲ 0.19% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Year Traditional/Roth IRA Share Certificate
$0
3.20% ▲ 0.19% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 8, 2026: 3.20% APYOct 8, 2026Oct 14, 2026
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
3 Year Certificate
$0
3.05% ▲ 0.04% above California avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▲ 0.04% above avgNationally 2.81%
Details

Balance: $50,000+

Rate History
1 change since Sep 14, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 14, 2026: 2.80% APYOct 9, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.05%▲ from 2.80%
  • Sep 14, 20262.80%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
3 Year Certificate
$0
2.90% ▼ 0.11% below California avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▼ 0.11% below avgNationally 2.81%
Details

Balance: $25,000+

Rate History
1 change since Sep 14, 2026 · 2.80% → 2.90% ▲ 0.10 pts · high 2.90% / low 2.80%
2.30%2.85%3.40%Sep 14, 2026: 2.80% APYOct 9, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20262.90%▲ from 2.80%
  • Sep 14, 20262.80%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month IRA Certificate
$500
2.78% ▼ 0.23% below California avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.23% below avgNationally 2.81%
Details

Balance: $500,000 or more

Rate History
1 change since Sep 28, 2026 · 2.75% → 2.78% ▲ 0.03 pts · high 2.78% / low 2.75%
2.25%2.76%3.28%Sep 28, 2026: 2.75% APYOct 14, 2026: 2.78% APYSep 28, 2026Oct 14, 2026
  • Oct 14, 20262.78%▲ from 2.75%
  • Sep 28, 20262.75%first recorded
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2000 Main St # B272, Huntington Beach, CA 92648 2702
3 Year Certificate
$0
2.75% ▼ 0.26% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.01%▼ 0.26% below avgNationally 2.81%
Details

Balance: $2,500+

Rate History
1 change since Sep 14, 2026 · 2.80% → 2.75% ▼ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 14, 2026: 2.80% APYOct 9, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20262.75%▼ from 2.80%
  • Sep 14, 20262.80%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year Certificate
$100,000
2.70% ▼ 0.31% below California avg
View
▼
Rate2.67%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year IRA
$100,000
2.70% ▼ 0.31% below California avg
View
▼
Rate2.66%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details

Jumbo $100,000 min. deposit

Rate History
1 change since Sep 24, 2026 · 2.60% → 2.70% ▲ 0.10 pts · high 2.70% / low 2.60%
2.10%2.65%3.20%Sep 24, 2026: 2.60% APYOct 7, 2026: 2.70% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.70%▲ from 2.60%
  • Sep 24, 20262.60%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Year Business Jumbo Certificate
$0
2.70% ▼ 0.31% below California avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 8, 2026: 2.70% APYOct 8, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year Certificate
$50,000
2.65% ▼ 0.36% below California avg
View
▼
Rate2.62%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.36% below avgNationally 2.81%
Details

$50,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 8 times
2.15%2.65%3.15%Sep 18, 2026: 2.65% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year IRA
$50,000
2.65% ▼ 0.36% below California avg
View
▼
Rate2.62%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.36% below avgNationally 2.81%
Details

$50,000 min. deposit tier; Effective Date: 02/04/2026

Rate History
1 change since Sep 24, 2026 · 2.60% → 2.65% ▲ 0.05 pts · high 2.65% / low 2.60%
2.10%2.63%3.15%Sep 24, 2026: 2.60% APYOct 7, 2026: 2.65% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.65%▲ from 2.60%
  • Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year Certificate
$25,000
2.60% ▼ 0.41% below California avg
View
▼
Rate2.57%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details

$25,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 8 times
2.10%2.60%3.10%Sep 18, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year IRA
$25,000
2.60% ▼ 0.41% below California avg
View
▼
Rate2.57%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details

Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026

Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 7 times
2.10%2.60%3.10%Sep 24, 2026: 2.60% APYSep 24, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
3 Year Business Regular Certificate
$0
2.60% ▼ 0.41% below California avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 8, 2026: 2.60% APYOct 8, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year Certificate
$1,000
2.55% ▼ 0.46% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.46% below avgNationally 2.81%
Details

Share Certificate; $1,000 min. deposit; Rates for California

Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 8 times
2.05%2.55%3.05%Sep 18, 2026: 2.55% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year IRA
$1,000
2.55% ▼ 0.46% below California avg
View
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.46% below avgNationally 2.81%
Details

Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 24, 2026 · 2.60% → 2.55% ▼ 0.05 pts · high 2.60% / low 2.55%
2.05%2.58%3.10%Sep 24, 2026: 2.60% APYOct 7, 2026: 2.55% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.55%▼ from 2.60%
  • Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
Share Certificate - 3-Year Certificate
$1,000
2.55% ▼ 0.46% below California avg
View
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.46% below avgNationally 2.81%
Details

Effective Date: 02/04/2026; Rates for California; $1,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 8 times
2.05%2.55%3.05%Sep 18, 2026: 2.55% APYSep 18, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month IRA Certificate
$500
2.27% ▼ 0.74% below California avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.74% below avgNationally 2.81%
Details

Balance: $100,000-$499,999.99

Rate History
1 change since Sep 28, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25%
1.75%2.26%2.77%Sep 28, 2026: 2.25% APYOct 14, 2026: 2.27% APYSep 28, 2026Oct 14, 2026
  • Oct 14, 20262.27%▲ from 2.25%
  • Sep 28, 20262.25%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month Certificate of Deposit (CD)
$1,000
1.50% ▼ 1.51% below California avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 1.51% below avgNationally 2.81%
Details

Balance: $500,000 or more

Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 28, 2026: 1.50% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month IRA Certificate
$500
1.25% ▼ 1.76% below California avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 1.76% below avgNationally 2.81%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 28, 2026: 1.25% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month Certificate of Deposit (CD)
$1,000
1.00% ▼ 2.01% below California avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.01% below avgNationally 2.81%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 28, 2026: 1.00% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month Certificate of Deposit (CD)
$1,000
0.75% ▼ 2.26% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 28, 2026: 0.75% APYSep 28, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
36 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.26% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
36 Month Standard CD
$1,000
0.75% ▼ 2.26% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 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%
7061 Yorktown Ave, Huntington Beach, CA 92648
Jumbo CD - 3-Year Jumbo
$100,000
0.40% ▼ 2.61% below California avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details

Jumbo CDs

Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
Term CD - 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 14, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
16900 Goldenwest St, Huntington Beach, CA 92647
Business 36-Month
$0
0.35% ▼ 2.66% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.01%▼ 2.66% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month Certificate of Deposit (CD)
$1,000
0.25% ▼ 2.76% below California avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 28, 2026: 0.25% APYSep 28, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
RampUp CD - 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 14, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details

Ramp Up CDs

Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month Certificate of Deposit (CD)
$1,000
0.15% ▼ 2.86% below California avg
View
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.86% below avgNationally 2.81%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 28, 2026: 0.15% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month IRA Certificate
$500
0.15% ▼ 2.86% below California avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.86% below avgNationally 2.81%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Sep 28, 2026: 0.15% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
36 Month IRA Certificate
$500
0.10% ▼ 2.91% below California avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.91% below avgNationally 2.81%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 28, 2026: 0.10% APYSep 28, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
3 Year Certificate of Deposit
$500
0.05% ▼ 2.96% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.96% below avgNationally 2.81%
Details

CD yields may vary depending on your area. Contact your local branch for details.

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 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
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
36 month Certificate - Rewards+ Loyalty Program
$500
4.50% ▲ 1.49% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 14, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA Certificate 36 Month - Rewards+ Loyalty Program
$25
4.50% ▲ 1.49% above California avg
View
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rewards+ Loyalty Program rate; Minimum to earn dividend: $25; Available to open only during months when a Member is an active Rewards+ Loyalty Program Member; IRA fixed-term account; early withdrawal penalty may apply; Rates Effective as of: October 13, 2026

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 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 14, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies

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 14, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

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

Huntington Beach 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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
4 Year Jumbo Certificate
$0
3.40% ▲ 0.38% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.38% above avgNationally 2.80%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 25, 2026: 3.40% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
4 Year Traditional/Roth IRA Share Certificate
$0
3.40% ▲ 0.38% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.38% above avgNationally 2.80%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 8, 2026: 3.40% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
4 Year Regular Certificate
$0
3.25% ▲ 0.23% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.23% above avgNationally 2.80%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
4 Year Traditional/Roth IRA Share Certificate
$0
3.25% ▲ 0.23% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.23% above avgNationally 2.80%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year Certificate
$100,000
2.85% ▼ 0.17% below California avg
View
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.17% below avgNationally 2.80%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year IRA
$100,000
2.85% ▼ 0.17% below California avg
View
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.17% below avgNationally 2.80%
Details

Jumbo: $100,000 min. deposit; Dividend Rate 2.810%

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.85% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.85%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year Certificate
$50,000
2.80% ▼ 0.22% below California avg
View
▼
Rate2.77%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.22% below avgNationally 2.80%
Details

$50,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 8 times
2.30%2.80%3.30%Sep 18, 2026: 2.80% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year IRA
$50,000
2.80% ▼ 0.22% below California avg
View
▼
Rate2.76%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.22% below avgNationally 2.80%
Details

$50,000 min. deposit tier

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.80% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.80%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year Certificate
$25,000
2.75% ▼ 0.27% below California avg
View
▼
Rate2.72%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.27% below avgNationally 2.80%
Details

$25,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year IRA
$25,000
2.75% ▼ 0.27% below California avg
View
▼
Rate2.71%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.27% below avgNationally 2.80%
Details

Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year Certificate
$1,000
2.70% ▼ 0.32% below California avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.32% below avgNationally 2.80%
Details

Effective Date: 02/04/2026; Rates for California

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year IRA
$1,000
2.70% ▼ 0.32% below California avg
View
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.32% below avgNationally 2.80%
Details

IRA; Fixed Rate Accounts; Effective Date: 02/04/2026

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
2.20%2.73%3.25%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.70% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.70%▼ from 2.75%
  • Sep 24, 20262.75%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
4 Year Business Jumbo Certificate
$0
2.65% ▼ 0.37% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 0.37% below avgNationally 2.80%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 8, 2026: 2.65% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
4 Year Business Regular Certificate
$0
2.55% ▼ 0.47% below California avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 0.47% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 8, 2026: 2.55% APYOct 8, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month IRA Certificate
$500
1.50% ▼ 1.52% below California avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 1.52% below avgNationally 2.80%
Details

Balance: $500,000 or more

Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 28, 2026: 1.50% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month Certificate of Deposit (CD)
$1,000
1.26% ▼ 1.76% below California avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 1.76% below avgNationally 2.80%
Details

Balance: $500,000 or more

Rate History
1 change since Sep 28, 2026 · 1.50% → 1.26% ▼ 0.24 pts · high 1.50% / low 1.26%
0.76%1.38%2.00%Sep 28, 2026: 1.50% APYOct 14, 2026: 1.26% APYSep 28, 2026Oct 14, 2026
  • Oct 14, 20261.26%▼ from 1.50%
  • Sep 28, 20261.50%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month Certificate of Deposit (CD)
$1,000
1.00% ▼ 2.02% below California avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 28, 2026: 1.00% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month IRA Certificate
$500
1.00% ▼ 2.02% below California avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 28, 2026: 1.00% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month Certificate of Deposit (CD)
$1,000
0.75% ▼ 2.27% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 28, 2026: 0.75% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month IRA Certificate
$500
0.75% ▼ 2.27% below California avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 28, 2026: 0.75% APYSep 28, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.27% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
48 Month Standard CD
$1,000
0.75% ▼ 2.27% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 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%
7061 Yorktown Ave, Huntington Beach, CA 92648
Jumbo CD - 4-Year Jumbo
$100,000
0.50% ▼ 2.52% below California avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.52% below avgNationally 2.80%
Details

Jumbo CDs

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
Term CD - 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 14, 2026
California Average3.02%▼ 2.52% below avgNationally 2.80%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
16900 Goldenwest St, Huntington Beach, CA 92647
Business 48-Month
$0
0.45% ▼ 2.57% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.02%▼ 2.57% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 5 times
0.00%0.48%0.95%Sep 24, 2026: 0.45% APYSep 24, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month Certificate of Deposit (CD)
$1,000
0.35% ▼ 2.67% below California avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.67% below avgNationally 2.80%
Details

Balance: $10,000-$49,999.99

Rate History
2 changes since Sep 28, 2026 · 0.35% → 0.35% ▼ 0.00 pts · high 0.35% / low 0.25%
0.00%0.43%0.85%Sep 28, 2026: 0.35% APYOct 2, 2026: 0.25% APYOct 7, 2026: 0.35% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20260.35%▲ from 0.25%
  • Oct 2, 20260.25%▼ from 0.35%
  • Sep 28, 20260.35%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
RampUp CD - 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 14, 2026
California Average3.02%▼ 2.77% below avgNationally 2.80%
Details

Ramp Up CDs

Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month IRA Certificate
$500
0.20% ▼ 2.82% below California avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.82% below avgNationally 2.80%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 28, 2026: 0.20% APYSep 28, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
4 Year Certificate of Deposit
$500
0.15% ▼ 2.87% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.87% below avgNationally 2.80%
Details

CD yields may vary depending on your area. Contact your local branch for details.

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month IRA Certificate
$500
0.15% ▼ 2.87% below California avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.87% below avgNationally 2.80%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Sep 28, 2026: 0.15% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
48 Month Certificate of Deposit (CD)
$1,000
0.05% ▼ 2.97% below California avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.97% below avgNationally 2.80%
Details

Balance: $0.01-$99,999.99

Rate History
2 changes since Sep 28, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.15% / low 0.05%
0.00%0.33%0.65%Sep 28, 2026: 0.05% APYOct 2, 2026: 0.15% APYOct 7, 2026: 0.05% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20260.05%▼ from 0.15%
  • Oct 2, 20260.15%▲ from 0.05%
  • Sep 28, 20260.05%first recorded
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
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
48 month Certificate - Rewards+ Loyalty Program
$500
4.50% ▲ 1.48% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.48% above avgNationally 2.80%
Details

Rewards+ Loyalty Program

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 14, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA Certificate 48 Month - Rewards+ Loyalty Program
$25
4.50% ▲ 1.48% above California avg
View
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.48% above avgNationally 2.80%
Details

Rewards+ Loyalty Program rate; Minimum to earn dividend: $25; Available to open only during months when a Member is an active Rewards+ Loyalty Program Member; IRA fixed-term account; early withdrawal penalty may apply; Rates Effective as of: October 13, 2026

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 14, 2026
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
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 14, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies

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 14, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies

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%
Certificate Account - 48 Month
$500
4.25% ▲ 1.23% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
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
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 14, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 5 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
$0
4.05% ▲ 1.03% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.03% above avgNationally 2.80%
Details

Anticipated rates

Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYSep 18, 2026: 3.85% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.05%▲ from 3.85%
  • Sep 18, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Share Certificates
$0
4.05% ▲ 1.03% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.03% above avgNationally 2.80%
Details

Anticipated rates; tier not labeled in source

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
3.20%3.88%4.55%Sep 14, 2026: 3.70% APYOct 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.05%▲ from 3.70%
  • Sep 14, 20263.70%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

Huntington Beach 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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
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%
7151 Warner Ave, Huntington Beach, CA 92647
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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
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%
7151 Warner Ave, Huntington Beach, CA 92647
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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
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%
7151 Warner Ave, Huntington Beach, CA 92647
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%
7151 Warner Ave, Huntington Beach, CA 92647
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
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
60 Month IRA Certificate
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

Traditional and Roth IRA

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
60 Month Share Certificate
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
60 Month Traditional IRA Certificate
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
60 Month IRA Certificate
$0
4.20% ▲ 0.98% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.98% above avgNationally 2.91%
Details

Traditional and Roth IRA

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
60 Month Share Certificate
$0
4.20% ▲ 0.98% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.98% above avgNationally 2.91%
Details

Balance tier: $50,000 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
60 Month Traditional IRA Certificate
$0
4.20% ▲ 0.98% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.98% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
60 Month Share Certificate
$0
4.15% ▲ 0.93% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.93% above avgNationally 2.91%
Details

Balance tier: $20,000 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 14, 2026: 3.95% APYSep 29, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.15%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7151 Warner Ave, Huntington Beach, CA 92647
60 Month Share Certificate
$0
4.10% ▲ 0.88% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.88% above avgNationally 2.91%
Details

Balance tier: $500 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYSep 29, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
5 Year Jumbo Certificate
$0
3.45% ▲ 0.23% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.23% above avgNationally 2.91%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
5 Year Traditional/Roth IRA Share Certificate
$0
3.45% ▲ 0.23% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.23% above avgNationally 2.91%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
5 Year Regular Certificate
$0
3.30% ▲ 0.08% above California avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.08% above avgNationally 2.91%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
5 Year Traditional/Roth IRA Share Certificate
$0
3.30% ▲ 0.08% above California avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.08% above avgNationally 2.91%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
5-Year Certificate
$100,000
3.25% ▲ 0.03% above California avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.03% above avgNationally 2.91%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
5-Year IRA
$100,000
3.25% ▲ 0.03% above California avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.03% above avgNationally 2.91%
Details

$100,000 min. deposit (Jumbo)

Rate History
1 change since Sep 24, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 24, 2026: 3.15% APYOct 7, 2026: 3.25% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.25%▲ from 3.15%
  • Sep 24, 20263.15%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
5-Year Certificate
$50,000
3.20% ▼ 0.02% below California avg
View
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.02% below avgNationally 2.91%
Details

$50,000 min. deposit; Rates for California

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
5-Year IRA
$50,000
3.20% ▼ 0.02% below California avg
View
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.02% below avgNationally 2.91%
Details

$50,000 min. deposit

Rate History
1 change since Sep 24, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15%
2.65%3.18%3.70%Sep 24, 2026: 3.15% APYOct 7, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.20%▲ from 3.15%
  • Sep 24, 20263.15%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
5-Year Certificate
$25,000
3.15% ▼ 0.07% below California avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.07% below avgNationally 2.91%
Details

$25,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
5-Year IRA
$25,000
3.15% ▼ 0.07% below California avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.07% below avgNationally 2.91%
Details

$25,000 min. deposit

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
5-Year Certificate
$1,000
3.10% ▼ 0.12% below California avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.12% below avgNationally 2.91%
Details

Rates for California; Effective Date: 02/04/2026

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 8 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
7812 Edinger Ave, Huntington Beach, CA 92647
5-Year IRA
$1,000
3.10% ▼ 0.12% below California avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.12% below avgNationally 2.91%
Details

Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 24, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 24, 2026: 3.15% APYOct 7, 2026: 3.10% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.10%▼ from 3.15%
  • Sep 24, 20263.15%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
5 Year Business Jumbo Certificate
$0
2.75% ▼ 0.47% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▼ 0.47% below avgNationally 2.91%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
7881 Edinger Ave, Huntington Beach, CA 92647
5 Year Business Regular Certificate
$0
2.65% ▼ 0.57% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▼ 0.57% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 8, 2026: 2.65% APYOct 8, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month Certificate of Deposit (CD)
$1,000
1.75% ▼ 1.47% below California avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.47% below avgNationally 2.91%
Details

Balance: $500,000 or more

Rate History
2 changes since Sep 28, 2026 · 1.75% → 1.75% ▼ 0.00 pts · high 1.75% / low 1.25%
0.75%1.50%2.25%Sep 28, 2026: 1.75% APYOct 2, 2026: 1.25% APYOct 7, 2026: 1.75% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20261.75%▲ from 1.25%
  • Oct 2, 20261.25%▼ from 1.75%
  • Sep 28, 20261.75%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month Certificate of Deposit (CD)
$1,000
1.50% ▼ 1.72% below California avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.72% below avgNationally 2.91%
Details

Balance: $100,000-$499,999.99

Rate History
2 changes since Sep 28, 2026 · 1.50% → 1.50% ▼ 0.00 pts · high 1.50% / low 1.00%
0.50%1.25%2.00%Sep 28, 2026: 1.50% APYOct 2, 2026: 1.00% APYOct 7, 2026: 1.50% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20261.50%▲ from 1.00%
  • Oct 2, 20261.00%▼ from 1.50%
  • Sep 28, 20261.50%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month IRA Certificate
$500
1.50% ▼ 1.72% below California avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.72% below avgNationally 2.91%
Details

Balance: $500,000 or more

Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 28, 2026: 1.50% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month Certificate of Deposit (CD)
$1,000
1.00% ▼ 2.22% below California avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.22% below avgNationally 2.91%
Details

Balance: $50,000-$99,999.99

Rate History
2 changes since Sep 28, 2026 · 1.00% → 1.00% ▼ 0.00 pts · high 1.00% / low 0.75%
0.25%0.88%1.50%Sep 28, 2026: 1.00% APYOct 2, 2026: 0.75% APYOct 7, 2026: 1.00% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20261.00%▲ from 0.75%
  • Oct 2, 20260.75%▼ from 1.00%
  • Sep 28, 20261.00%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month IRA Certificate
$500
1.00% ▼ 2.22% below California avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.22% below avgNationally 2.91%
Details

Balance: $100,000-$499,999.99

Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 28, 2026: 1.00% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month IRA Certificate
$500
0.75% ▼ 2.47% below California avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.47% below avgNationally 2.91%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 28, 2026: 0.75% APYSep 28, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.47% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.47% below avgNationally 2.91%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6881 Warner Ave, Huntington Beach, CA 92647
60 Month Standard CD
$1,000
0.75% ▼ 2.47% below California avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.47% below avgNationally 2.91%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
16900 Goldenwest St, Huntington Beach, CA 92647
Business 60-Month
$0
0.50% ▼ 2.72% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 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%
7061 Yorktown Ave, Huntington Beach, CA 92648
Jumbo CD - 5-Year Jumbo
$100,000
0.50% ▼ 2.72% below California avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.72% below avgNationally 2.91%
Details

Jumbo CDs

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7061 Yorktown Ave, Huntington Beach, CA 92648
Term CD - 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 14, 2026
California Average3.22%▼ 2.72% below avgNationally 2.91%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month Certificate of Deposit (CD)
$1,000
0.35% ▼ 2.87% below California avg
View
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.87% below avgNationally 2.91%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 28, 2026: 0.35% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month IRA Certificate
$500
0.25% ▼ 2.97% below California avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.97% below avgNationally 2.91%
Details

Balance: $10,000-$49,999.99

Rate History
No change since Sep 28, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 28, 2026: 0.25% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month IRA Certificate
$500
0.15% ▼ 3.07% below California avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 3.07% below avgNationally 2.91%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Sep 28, 2026: 0.15% APYSep 28, 2026Oct 14, 2026
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
7125 Yorktown Ave, Huntington Beach, CA 92648
60 Month Certificate of Deposit (CD)
$1,000
0.05% ▼ 3.17% below California avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 3.17% below avgNationally 2.91%
Details

Balance: $0.01-$99,999.99

Rate History
No change since Sep 28, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 28, 2026: 0.05% APYSep 28, 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
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
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Huntington Beach, California Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
First Bank Creve Coeur, MO
18-Month Variable Rate IRA
A+ 5.0 ★ TX: 2.49%
Min: $0
4.17%
CIT Bank
Term CD - 1-Year Term
A 5.0 ★ TX: 7.72%
Min: $1,000
4.00%
F&M Bank of Long Beach
18 Month Certificate of Deposit (CD)
A+ 5.0 ★ TX: 0.06%
Min: $1,000
2.78%
First Citizens Bank
12 Month Certificate of Deposit
A 5.0 ★ TX: 7.72%
Min: $500
2.00%
Wells Fargo
1 year Standard Fixed Rate CD - Relationship
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
CU Top 5 Credit Union Rates
Kinecta Federal Credit Union
18-Month Promo Certificate
A+ 5.0 ★ TX: 3.82%
Min: $100,000
4.50%
SchoolsFirst Federal Credit Union
60 Month Deferred Compensation Certificate
A+ 5.0 ★ TX: 5.56%
Min: $50
4.50%
Nuvision Federal Credit Union
1-Year Certificate
A+ 5.0 ★ TX: 3.84%
Min: $100,000
3.55%
Huntington Beach Credit Union
1-Year CD
A+ 5.0 ★ TX: 1.26%
Min: $0
3.55%
Schools Federal Credit Union
12 Month Relationship Certificate
A+ 5.0 ★ TX: 1.87%
Min: $0
5.90%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Huntington Beach, CA CD Rate Trends

Compare local Huntington Beach, 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.

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 2.373% $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 14, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Huntington Beach, 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.

Powered byMonitorBankRates
3,220
CD Rates
Tracked in Huntington Beach, California
30 Banks 80 Credit Unions

About Our Huntington Beach, California CD Rate Database

MonitorBankRates tracks 3,220 CD rates from 30 banks and 80 credit unions with locations in Huntington Beach, 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: Kinecta Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Huntington Beach, California.

How to Find the Best CD Rates in Huntington Beach, California

What to compare when shopping for a CD in Huntington Beach, California

To find the best APYs in Huntington Beach, California, start with credit unions and online-only banks: Huntington Beach, California has 80 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 Huntington Beach, 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 Huntington Beach, California: 110 institutions here report CD rates

Consider an Alternative If…

Huntington Beach, California Financial Snapshot

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

Population 65+
19.4%
National avg: 17.3%
Median Individual Earnings
$60,137
National avg: $47,340
Poverty Rate
7.8%
National avg: 11.1%
Unemployment Rate
5.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$189/yr
At CA 12-mo avg 3.137% APY

19.4% of residents are 65 or older, in line with the national average of 17.3%. At today’s CA 12-month CD average of 3.137%, saving 10% of the local median salary ($6,013/year) and putting it in a CD would earn an additional $189 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 Huntington Beach, 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 Huntington Beach, 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 Huntington Beach, 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 Huntington Beach, California as everywhere in the U.S.

Choosing a CD Term in Huntington Beach, 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 Huntington Beach, California savers easier access to their funds. For example, SchoolsFirst Federal Credit Union is offering its 6-Month Promotional IRA Share Certificate at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SchoolsFirst Federal Credit Union is offering its 60 Month Deferred Compensation Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Huntington Beach, 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 Huntington Beach, 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 Huntington Beach, 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 Huntington Beach, 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 Huntington Beach, California

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

Are CD rates in Huntington Beach, California FDIC insured?

Yes, most established banks in Huntington Beach, 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 Huntington Beach, 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 Huntington Beach, 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 Huntington Beach, 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 Huntington Beach, California?

Here are recent top rates found for this area:
  • Kinecta Federal Credit Union: 4.50% APY (18-Month Promo Certificate)
  • SchoolsFirst Federal Credit Union: 4.50% APY (60 Month Deferred Compensation Certificate)
  • First Bank Creve Coeur, MO: 4.17% APY (18-Month Variable Rate IRA)
  • CIT Bank: 4.00% APY (Term CD - 1-Year Term)
  • Nuvision Federal Credit Union: 3.55% APY (1-Year Certificate)
  • Huntington Beach Credit Union: 3.55% APY (1-Year CD)
  • F&M Bank of Long Beach: 2.78% APY (18 Month Certificate of Deposit (CD))
  • First Citizens Bank: 2.00% APY (12 Month Certificate of Deposit)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
  • BMO Bank National Association: 0.75% APY (12 Month IRA Certificate of Deposit)
Rates reflect recent verified offers available in Huntington Beach, California. Last Updated: October 14, 2026

Huntington Beach, 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 Huntington Beach, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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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 Huntington Beach, California CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Huntington Beach, California. Averages shown use the California state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Huntington Beach, California

Huntington Beach, California CD Calculator

At today’s CA top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Huntington Beach, 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 Huntington Beach, California CD at 4.50% 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 Huntington Beach, 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 Huntington Beach, 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 Huntington Beach, 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 14, 2026

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