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CD Rates Irvine, California (CA) for April 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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| iEditorial Disclosure
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: April 4, 2026

Current Irvine, California CD rates include Firefighters First Federal Credit UnionFirefighters First Federal Credit Union4000 Barranca Pkwy Ste 150, Irvine, CA 92604 1712A+5.0 ★Texas Ratio: 1.58% offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, Orange Countys Credit UnionOrange Countys Credit Union6448 Irvine Blvd, Irvine, CA 92620A+5.0 ★Texas Ratio: 4.12% offering 6-Month Certificate at 4.00% APY, Bank of HopeBank of Hope14407 Culver Dr, Irvine, CA 92604A+5.0 ★Texas Ratio: 3.52% offering 12-month CD at 3.80% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union3200 El Camino Real Ste 200, Irvine, CA 92602 1381B4.4 ★Texas Ratio: 21.76% offering IRA Certificate Term 18-Month Variable at 3.72% APY, and EverBankEverBank4250 Barranca Pkwy, Irvine, CA 92604B4.5 ★Texas Ratio: 20.65% offering Business CD 6 month at 3.70% APY. CD rates as of April 4, 2026 according to verified data from MonitorBankRates.

To help you find the best CD rates in Irvine, California, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 4, 2026

Compare Best CD Rates in Irvine, California & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
14252 Culver Dr, Irvine, CA 92604
WooriWON 3-month CD
$1,000
3.70%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Online Only

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4250 Barranca Pkwy, Irvine, CA 92604
Performance? CDs 3 month
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
14376 Culver Dr, Irvine, CA 92604
3-Month CD
$0
2.01%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
87 W Alexander Ave, Merced, CA 95348 3404
3-Month Certificate
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No minimum deposit.

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6331 Skyway, Paradise, CA 95969
Certificates of Deposit 3 Month
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA 95008
3 Month Term Certificates
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Minimum to Open $1,000.00

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2000 University Ave, East Palo Alto, CA 94303
3-Month CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1562 S Bascom Ave, San Jose, CA 95125 6108
3 Month Consumer Certificates and IRA Certificates
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Gold Minimum 3 month
$50,000
3.45%
View
▼
Rate3.39%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

$50,000

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
3 Month IRA Pick-A-Term Certificates
$10,000
3.40%
View
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
90 Day Certificate of Deposit
$10,000
3.37%
View
▼
Rate3.31%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificates 3 month
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
3 month Certificate
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Rewards+ Loyalty Program

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Month Certificate
$100,000
3.15%
View
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
90 DAY CERTIFICATE
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA 95348 1218
3 Month Term Savings 0303 IRA Certificates
$2,000
3.04%
View
▼
Rate3.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 4, 2026
Details

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA 95814 2607
3-MONTH Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

IRA not Eligible

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
3-Month Certificate and IRA Certificates
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 3 Month Certificate
$1,500
2.85%
View
▼
Rate2.81%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
3 Month Certificate
$500
2.80%
View
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1415 W Lacey Blvd, Hanford, CA 93230
3 Month Certificate
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
3 Month Term Share Certificates
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
3 Month CD 100,000.00+
$100,000
2.74%
View
▼
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 3 Month CD
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
PO Box 330, Angwin, CA 94508 0330
3 Month Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$1,000.00 Minimum Balance

Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
3-Month Share Certificates
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
3 Month Term Share & IRA Term Share Accounts
$5,000
2.48%
View
▼
Rate2.45%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
3 Month Certificates
$0
1.92%
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
3 Month Certificate
$0
1.82%
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
3 Month CD
$10,000
1.24%
View
▼
Rate1.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
3 month Share Certificate
$100,000
1.12%
View
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
3 Month Certificate
$10,000
1.00%
View
▼
Rate1.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1990 Westwood Blvd, Los Angeles, CA 90025
3 Month Certificate
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
3 Month Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Minimum to open & earn dividends: $100,000

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
3-month IRA Traditional & Roth Share Certificates
$1,000
0.60%
View
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
3-month term Regular CDs
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Share Certificate Accounts and IRA Share Certificates 3 month
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3683 Crenshaw Blvd, Los Angeles, CA 90016
UNITY 90 Day CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6448 Irvine Blvd, Irvine, CA 92620
6-Month Certificate
$1,000
4.00%
View
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

New Money Only; Available for IRA and Business Accounts

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
4000 Barranca Pkwy Ste 150, Irvine, CA 92604 1712
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4250 Barranca Pkwy, Irvine, CA 92604
Business CD 6 month
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
14725 Jeffrey Rd, Irvine, CA 92618
6-Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
15315 Culver Dr, Irvine, CA 92604
New Money 6 Month CD
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3200 El Camino Real Ste 200, Irvine, CA 92602 1381
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 Minimum to Earn APY

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
2855 Michelle Drive, Irvine, CA 92606
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
6-Month CD Term
$1,000
4.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
6-month GoldStar? Membership Certificate
$5
4.15%
View
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedApr 4, 2026
Details

Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3080 N Lake Blvd, Tahoe City, CA 96145
6 month CDs
$1,000
4.04%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
6 Month Certificate of Deposit (IRA)
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
6 Month CD
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
6 month Share Certificate
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Regular CD 6-month
$500
3.65%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 6-month CD
$1,000
3.56%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5300 N FRESNO ST, FRESNO, CA 93710 6828
IRA - 6 Month Certificate
$0
3.54%
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6331 Skyway, Paradise, CA 95969
Certificates of Deposit 6 Month
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA 95008
IRA Certificates 6 Month
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
1888 Century Park E, Los Angeles, CA 90067
6-Month CD Special
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 6 Month CD
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
6 MONTH CERTIFICATE
$0
3.33%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
6 Month Certificate of Deposit
$10,000
3.32%
View
▼
Rate3.27%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificates 6 month
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Traditional/Roth IRA Jumbo Certificate 6-Month
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Minimum to open & earn dividends: $100,000

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
6 Month CD
$1,000
3.24%
View
▼
Rate3.19%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

$1,000 Min.

AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
701 S China Lake Blvd, Ridgecrest, CA 93555 5027
6 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
6 month Share Certificate
$100,000
3.16%
View
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo Certificates 6 Month
$50,000
3.15%
View
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA 95348 1218
6 Month Term Savings 0306
$2,000
3.14%
View
▼
Rate3.10%
Min Deposit$2,000
Min Balance—
UpdatedApr 4, 2026
Details

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
PO Box 330, Angwin, CA 94508 0330
6 Month Certificate
$0
3.10%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$1,000.00 Minimum Balance

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
6-Month Certificate and IRA Certificates
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA 95814 2607
6-MONTH Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
19867 Prairie St, Chatsworth, CA 91311 6532
Youth Launch Certificate 6-Month Certificate
$0
3.00%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
6 Month Certificate
$10,000
2.90%
View
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
6-Month Share Certificates
$50,000
2.80%
View
▼
Rate2.77%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
6 month Certificates and IRAs
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
6 MONTH CERTIFICATE
$0
2.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
6 Month Term Share & IRA Term Share Accounts
$100,000
2.73%
View
▼
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 6 Month
$1,000
2.70%
View
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
6 Month CD 100,000.00+
$100,000
2.69%
View
▼
Rate2.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
3954 E Main St, Ventura, CA 93003
6-Month Share Certificates
$1,000
2.50%
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
6 Month Certificate
$0
2.33%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
6 Month Certificates
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
6-month IRA Traditional & Roth Share Certificates
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
6 Month Certificate
$0
2.12%
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
6-Month Share Certificates
$0
2.03%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
6 Month Certificate
$50,000
1.81%
View
▼
Rate1.80%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
6 Month Savings Certificate
$90,000
1.50%
View
▼
Rate1.48%
Min Deposit$90,000
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
6-month term Standard CDs
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA 90241 3718
6 month Certificates
$1,000
1.25%
View
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
4000 Barranca Pkwy Ste 150, Irvine, CA 92604 1712
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$10,000 - $49,999.99

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
14407 Culver Dr, Irvine, CA 92604
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Limited time offer. Only available in our branches.

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
14725 Jeffrey Rd, Irvine, CA 92618
12-Month CD
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4250 Barranca Pkwy, Irvine, CA 92604
Business CD 1 year
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
15315 Culver Dr, Irvine, CA 92604
New Money 12 Month CD
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3200 El Camino Real Ste 200, Irvine, CA 92602 1381
12-Month Share Certificate
$100,000
3.40%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 Minimum to Earn APY

Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6448 Irvine Blvd, Irvine, CA 92620
12 Month Business Certificate
$100,000
2.45%
View
▼
Rate2.42%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
2855 Michelle Drive, Irvine, CA 92606
1-year convertible CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $49,000.00

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
300 Arneill Rd, Camarillo, CA 93010
1-Year IRA Term Share Certificates
$500
4.25%
View
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

APY= Annual Percentage Yield. Stated rate is 4.169%. APY is accurate as of March 1, 2026. $500.00 minimum deposit required. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
12-month Certificate
$500
4.15%
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5300 N FRESNO ST, FRESNO, CA 93710 6828
IRA - 12 Month Certificate
$0
4.12%
View
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
1 year Certificate
$0
4.10%
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
12-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 12 Month
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
12 Month Bonus Certificates
$0
3.89%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
IRA - 1 Year k
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$100

Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3080 N Lake Blvd, Tahoe City, CA 96145
12 month CDs
$1,000
3.82%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA 93311
12-Month Variable Rate Certificate
$0
3.77%
View
▼
Rate3.71%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Regular CD 12-month
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 12 month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$50,000

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 12-month CD
$1,000
3.66%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 12 Month Certificate
$1,500
3.56%
View
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
12 Month Certificate
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1415 W Lacey Blvd, Hanford, CA 93230
12 Month Certificate
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
1 Year Savings Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
1-Year Certificate and IRA Certificates
$0
3.41%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
1 YEAR CERTIFICATE
$0
3.38%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
444 S Brand Blvd Ste 103, San Fernando, CA 91340 3625
1 Year Share Certificates
$0
3.35%
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
12 month Share Certificate
$100,000
3.31%
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
12-Month Share Certificates
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificates 1 year
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
12 MONTH CERTIFICATE
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA 95814 2607
12-MONTH Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
321 Wabash Ave, Eureka, CA 95501
12-Month Term Share Certificate
$0
3.19%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
1 Year Certificate of Deposit
$10,000
3.17%
View
▼
Rate3.12%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
12-Month Certificate of Deposit IRA
$500
3.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA 95348 1218
1 Year IRA Term 0412/0512
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
12 Month Certificate
$100,000
3.10%
View
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6735 Forest Lawn Dr, Hollywood, CA 90068
Retirement Certificates 1 Year
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
12 Month Certificate Special
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.

SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
12 MONTH CERTIFICATE
$100
3.03%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo Certificates 12 Month
$50,000
3.00%
View
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
255 California St Ste 600, San Francisco, CA 94111
IRA CDs2,4 1 year
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Merco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1911 M ST, Merced, CA 95340 3706
1 Year Certificate
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
12-Month Share Certificates
$500
2.90%
View
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
12 month Certificates and IRAs
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA 92821 5819
1 year Certificate
$0
2.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
1 Year CD
$1,000
2.83%
View
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

$1,000 Min.

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 1 Year
$1,000
2.80%
View
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
1 Year Term Share & IRA Term Share Accounts
$100,000
2.78%
View
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
4000 Barranca Pkwy Ste 150, Irvine, CA 92604 1712
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3200 El Camino Real Ste 200, Irvine, CA 92602 1381
IRA Certificate Term 18-Month Variable
$100,000
3.72%
View
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 Minimum to Earn APY

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
14376 Culver Dr, Irvine, CA 92604
18-Month Variable Rate IRA
$0
3.62%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4250 Barranca Pkwy, Irvine, CA 92604
Performance? CDs 18 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6448 Irvine Blvd, Irvine, CA 92620
18 Month Business Certificate
$100,000
2.55%
View
▼
Rate2.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
View
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Jumbo CD senior 18-month
$50,000
4.10%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
18-Month CD Term
$1,000
4.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 18 month
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Over $90,000

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 18 Month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 18-month CD
$1,000
3.61%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1415 W Lacey Blvd, Hanford, CA 93230
18 Month Certificate
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
18 month Certificate
$1,000
3.50%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Rewards+ Loyalty Program

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
18-Month Certificate and IRA Certificates
$0
3.46%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2310 E El Segundo Blvd, El Segundo, CA 90245
18-month Share Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
18 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 18 Month CD
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
18 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA 95008
IRA Certificates 18 Month
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA 95814 2607
18-MONTH Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
18 Month Certificate
$10,000
3.15%
View
▼
Rate3.10%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 18 Month Certificate
$1,500
3.05%
View
▼
Rate3.01%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
18 Month Certificate of Deposit
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
18-Month Share Certificates
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
18 Month Certificate
$50,000
2.63%
View
▼
Rate2.60%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
18 Month Certificates
$0
2.58%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
18-Month Share Certificates
$0
2.54%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
Special 18 Month Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
18 Month CD
$1,000
2.43%
View
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
18-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
701 S China Lake Blvd, Ridgecrest, CA 93555 5027
18 Month Bump Term Share and Traditional, Roth & SEP IRA Certificates
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
18 Month Savings Certificate
$350,000
1.70%
View
▼
Rate1.68%
Min Deposit$350,000
Min Balance—
UpdatedApr 4, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Share Certificate Accounts and IRA Share Certificates 18 month
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
18 Month IRA
$250
0.50%
View
▼
Rate0.50%
Min Deposit$250
Min Balance—
UpdatedApr 4, 2026
Details

United Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3650 E Ashlan Ave, Fresno, CA 93726
18 Month Certificate of Deposits - Standard & IRA Available
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
4000 Barranca Pkwy Ste 150, Irvine, CA 92604 1712
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 and over

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3200 El Camino Real Ste 200, Irvine, CA 92602 1381
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 Minimum to Earn APY

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4250 Barranca Pkwy, Irvine, CA 92604
Performance? CDs 24 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
15315 Culver Dr, Irvine, CA 92604
New Money 24 Month CD
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6448 Irvine Blvd, Irvine, CA 92620
24 Month Business Certificate
$100,000
2.65%
View
▼
Rate2.62%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
View
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
24-month GoldStar? Membership Certificate
$5
4.05%
View
▼
Rate3.98%
Min Deposit$5
Min Balance—
UpdatedApr 4, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Jumbo CD 24-month
$50,000
3.95%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2580 W Shaw Ln, Fresno, CA 93711 2778
1-2 Year Share Certificate
$250,000
3.87%
View
▼
Rate3.80%
Min Deposit$250,000
Min Balance—
UpdatedApr 4, 2026
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 24 month
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Over $90,000

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
24 Month Bonus Certificates
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Jumbo College Saver Certificates 24-Month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Minimum to open & earn dividends: $100,000

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 24 Month
$0
3.65%
View
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5300 N FRESNO ST, FRESNO, CA 93710 6828
24 Month - Share Certificate
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA 94089 1005
2-Year Certificate Account
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
2-Year Certificate and IRA Certificates
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
24 month Certificate
$1,000
3.50%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Rewards+ Loyalty Program

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
24 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 24 Month CD
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates 2 Year
$0
3.29%
View
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
701 S China Lake Blvd, Ridgecrest, CA 93555 5027
24 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1800 BROADVIEW DR, GLENDALE, CA 91208
IRA Certificates 2 Year
$100
3.20%
View
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo Certificates 24 Month
$50,000
3.15%
View
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA 95348 1218
2 Year - Roth IRA 0724
$2,000
3.14%
View
▼
Rate3.10%
Min Deposit$2,000
Min Balance—
UpdatedApr 4, 2026
Details

Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
24-Month Share Certificates
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year Certificate
$100,000
3.05%
View
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
24 Month Certificate
$50,000
3.04%
View
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
24 MONTH CERTIFICATE
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 2 Year
$1,000
2.95%
View
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
24 month Certificates and IRAs
$0
2.94%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
5615 Chesbro Ave, San Jose, CA 95123 3046
24-Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
2 Year IRA
$5,000
2.89%
View
▼
Rate2.85%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
2-Year Share Certificates
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
24 MONTH CERTIFICATE
$100
2.83%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94118 1903
2 Year Certificate
$100
2.75%
View
▼
Rate2.71%
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
2 Year CD
$1,000
2.73%
View
▼
Rate2.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

$1,000 Min.

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 24 Month Certificate
$1,500
2.72%
View
▼
Rate2.69%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
24 Month Certificates
$0
2.68%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
255 California St Ste 600, San Francisco, CA 94111
IRA CDs2,4 2 year
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
2 Year Certificate of Deposit
$10,000
2.50%
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA 95382 2471
2 Year Certificate of Deposit
$1,000
2.40%
View
▼
Rate2.38%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
24-Month Share Certificates
$0
2.38%
View
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
24-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
2 Year Bump Up Certificate
$0
2.22%
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA 93311
24-Month Bump-Up Certificate
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
42035 Washington St, Palm Desert, CA 92211
2 Year Time Deposit Account
$0
1.85%
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
24 Month Savings Certificate
$350,000
1.80%
View
▼
Rate1.78%
Min Deposit$350,000
Min Balance—
UpdatedApr 4, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1990 Westwood Blvd, Los Angeles, CA 90025
2 Year Certificate
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
8811 Grossmont Blvd, La Mesa, CA 91942
24-Month Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
4000 Barranca Pkwy Ste 150, Irvine, CA 92604 1712
3 Year Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 and over

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3200 El Camino Real Ste 200, Irvine, CA 92602 1381
IRA Certificate Term 36-Month Variable
$100,000
3.67%
View
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 Minimum to Earn APY

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4250 Barranca Pkwy, Irvine, CA 92604
Performance? CDs 36 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6448 Irvine Blvd, Irvine, CA 92620
36 Month Business Certificate
$100,000
2.75%
View
▼
Rate2.71%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Elite Jumbo CD 36-month
$250,000
4.15%
View
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 4, 2026
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
36-Month CD Term
$1,000
4.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
Traditional and Roth IRA 36 month
$500
3.90%
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 36 month
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Over $90,000

Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4493 Ruffin Rd, San Diego, CA 92123
36 MONTH JUMBO CD
$10,000
3.78%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

$10,000.00 minimum NEW MONEY investment in Certificate of Deposit to receive stated rate. Additional Certificate of Deposit rates and terms are available. Rates are subject to change. Fees may reduce earnings. Penalty for early withdrawal.

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
36-month IRA Traditional & Roth Share Certificates
$1,000
3.75%
View
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
36 Month Bonus Certificates
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 36 Month
$0
3.60%
View
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
3-Year Certificate and IRA Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Jumbo College Saver Certificates 36-Month
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Minimum to open & earn dividends: $100,000

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
3 YEAR CERTIFICATE
$0
3.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
7084 Auburn Blvd Ste 100, Citrus Heights, CA 95621 4334
3-year (1x bump-up) IRA Share Certificate special
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
701 S China Lake Blvd, Ridgecrest, CA 93555 5027
36 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 36 Month CD
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates 3 Year
$0
3.34%
View
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
36 Month Share Certificates
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
36 MONTH CERTIFICATE
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2000 University Ave, East Palo Alto, CA 94303
36-Month CD
$500
3.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA 95348 1218
3 Year IRA Term 0436/0536
$49,999
3.15%
View
▼
Rate3.10%
Min Deposit$49,999
Min Balance—
UpdatedApr 4, 2026
Details

Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
36-Month Share Certificates
$50,000
3.10%
View
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
36 month Share Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
321 Wabash Ave, Eureka, CA 95501
36-Month Term Share Certificate
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
36 Month Term Share Certificates
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
36 month Certificates and IRAs
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
36 Month Certificates
$0
2.94%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
5615 Chesbro Ave, San Jose, CA 95123 3046
36-Month Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
36 Month Certificate
$1,000
2.89%
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
36 month Certificate
$1,000
2.85%
View
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Non-Rewards+ Loyalty Program

Befit Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
640 E Main St, Vacaville, CA 95688 3933
36 month Certificate
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 3 Year
$1,000
2.80%
View
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
255 California St Ste 600, San Francisco, CA 94111
IRA CDs2,4 3 year
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year Certificate
$100,000
2.70%
View
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 36 Month Certificate
$1,500
2.65%
View
▼
Rate2.62%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
3 Year CD
$1,000
2.52%
View
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

$1,000 Min.

Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
3 Year Certificate of Deposit
$10,000
2.50%
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
36-month term Regular CDs
$0
2.49%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
3 Year Certificate
$0
2.48%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
36 Month CD 100,000.00+
$100,000
2.43%
View
▼
Rate2.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
36 MONTH CERTIFICATE
$100
2.32%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
36-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
3-Year Share Certificates
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA 94531 6665
3-Year Certificate
$0
2.22%
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
36-Month Share Certificates
$0
2.17%
View
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
36 Month Savings Certificate
$0
1.95%
View
▼
Rate1.92%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1990 Westwood Blvd, Los Angeles, CA 90025
3 Year Certificate
$0
1.61%
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Share Certificate Accounts and IRA Share Certificates 36 month
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3200 El Camino Real Ste 200, Irvine, CA 92602 1381
48-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 Minimum to Earn APY

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4250 Barranca Pkwy, Irvine, CA 92604
Performance? CDs 48 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6448 Irvine Blvd, Irvine, CA 92620
48 Month Business Certificate
$100,000
2.85%
View
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
48-Month CD Term
$1,000
4.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
48-month Certificate
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 48 Month CD
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 48 month
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$50,000

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
48 Month Bonus Certificates
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
48 MONTH CERTIFICATE
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
4-Year Certificate and IRA Certificates
$0
3.67%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Jumbo College Saver Certificates 48-Month
$0
3.65%
View
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Minimum to open & earn dividends: $100,000

AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
701 S China Lake Blvd, Ridgecrest, CA 93555 5027
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
48 Month Share Certificates
$0
3.45%
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates 4 Year
$0
3.44%
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
48 Month Certificate
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
48 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA 95348 1218
4 Year Term Savings 0348
$50,000
3.25%
View
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
48 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Jumbo Term Share Certificates & IRA Share Certificates 4 Year
$100,000
3.20%
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6026 Telephone Rd, Ventura, CA 93003 5332
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.10%
View
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
48 Month Certificates
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2000 University Ave, East Palo Alto, CA 94303
48-Month Certificate of Deposit
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
48 month Certificates and IRAs
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA 94710 2571
Step Up Certificates 4 Year
$200
3.00%
View
▼
Rate2.96%
Min Deposit$200
Min Balance—
UpdatedApr 4, 2026
Details

East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
48 Month Certificate
$10,000
2.99%
View
▼
Rate2.95%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
48-month term Standard CDs
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year Certificate
$50,000
2.80%
View
▼
Rate2.77%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
48 month Share Certificate
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
4 Year Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
321 Wabash Ave, Eureka, CA 95501
48-Month Term Share Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
4 Year Certificate of Deposit
$10,000
2.50%
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
48 Month CD
$1,000
2.43%
View
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
48-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
4-Year Share Certificates
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA 94531 6665
4-Year Certificate
$0
2.22%
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
48-Month Share Certificates
$0
2.07%
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
170 N Market St, Inglewood, CA 90301
48 Month CD
$1,000
2.00%
View
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 48 Month Certificate
$1,500
1.96%
View
▼
Rate1.94%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
48 MONTH CERTIFICATE
$100
1.81%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1990 Westwood Blvd, Los Angeles, CA 90025
4 Year Certificate
$0
1.71%
View
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
23971 Lake Dr, Crestline, CA 92325
48 Month Share Certificate
$100,000
1.00%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Share Certificate Accounts and IRA Share Certificates 48 month
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA 93301 3210
48-Month Certificate
$1,000
0.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

$1,000.00 - $9,999.99

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
8811 Grossmont Blvd, La Mesa, CA 91942
48-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
4000 Barranca Pkwy Ste 150, Irvine, CA 92604 1712
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 and over

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3200 El Camino Real Ste 200, Irvine, CA 92602 1381
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

$100,000 Minimum to Earn APY

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4250 Barranca Pkwy, Irvine, CA 92604
3.5-Year Bump Rate CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6448 Irvine Blvd, Irvine, CA 92620
60 Month Business Certificate
$100,000
2.95%
View
▼
Rate2.91%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
View
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
60-Month CD Term
$1,000
4.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
60 MONTH CERTIFICATE
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
60 Month Share Certificates
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
5-Year Certificate and IRA Certificates
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
60-month Certificate
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 60 Month CD
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 60 month
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$50,000

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
60 Month Bonus Certificates
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1562 S Bascom Ave, San Jose, CA 95125 6108
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Jumbo College Saver Certificates 60-Month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Minimum to open & earn dividends: $100,000

AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
701 S China Lake Blvd, Ridgecrest, CA 93555 5027
60 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
60 Month Certificate
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
5 YEAR CERTIFICATE
$0
3.59%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
434 W Alameda Ave, Burbank, CA 91506
5-Year Roth IRA Shares
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3000 W Magnolia Blvd, Burbank, CA 91505 3043
IRA Certificates (CD) with 60 month term
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates 5 Year
$0
3.44%
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3807 Broad St, San Luis Obispo, CA 93401
Certificate 5 year
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 5 Year
$1,000
3.30%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA 95348 1218
5 Year Term Savings 0360
$50,000
3.25%
View
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
60 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA 91763
60-Mo Trad/Roth IRA CD
$2,500
3.20%
View
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
60 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
60 month Certificates and IRAs
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5757 Wilshire Blvd, Los Angeles, CA 90036 3684
60-Month Special Certificate Account
$0
3.04%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No monthly fee

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
60 month Certificate
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Non-Rewards+ Loyalty Program

Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
266 W Main St, Woodland, CA 95695
Certificate Rate 60 month term
$0
2.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
5 Year Certificate
$0
2.63%
View
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
5 Year CD
$1,000
2.62%
View
▼
Rate2.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

$1,000 Min.

FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
60 Month CD
$1,000
2.53%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
5 Year Certificate of Deposit
$10,000
2.50%
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
60-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
60 Month Term Share Certificates
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA 94531 6665
5-Year Certificate
$0
2.12%
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 60 Month Certificate
$1,500
2.09%
View
▼
Rate2.07%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
321 Wabash Ave, Eureka, CA 95501
60-Month Term Share Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
60 MONTH CERTIFICATE
$100
1.81%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
42035 Washington St, Palm Desert, CA 92211
5 Year Time Deposit Account
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
IRA 60-Month
$0
1.46%
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
23971 Lake Dr, Crestline, CA 92325
60 Month Share Certificate
$100,000
1.35%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Share Certificate Accounts and IRA Share Certificates 60 month
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
60 Month CD
$500
0.90%
View
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA 93301 3210
60-Month Certificate
$1,000
0.85%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

$1,000.00 - $9,999.99

Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
919 N Center St, Stockton, CA 95202
60 Month Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

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.

Frequently Asked Questions about CD Rates in Irvine, California

Are CD rates in Irvine, California FDIC insured?

Yes, most established banks in Irvine, 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 Irvine, 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 Irvine, 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 Irvine, 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 Irvine, California?

Here are recent top rates found for this area:
  • Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
  • Orange Countys Credit Union: 4.00% APY (6-Month Certificate)
  • Bank of Hope: 3.80% APY (12-month CD)
  • UNIFY Financial Federal Credit Union: 3.72% APY (IRA Certificate Term 18-Month Variable)
  • EverBank: 3.70% APY (Business CD 6 month)
  • Woori America Bank: 3.70% APY (WooriWON 3-month CD)
  • Royal Business Bank: 3.65% APY (12-Month CD)
  • First Bank Creve Coeur, MO: 3.62% APY (18-Month Variable Rate IRA)
  • HSBC Bank USA: 3.55% APY (New Money 6 Month CD)
  • First Citizens Bank: 0.01% APY (6-month automatic saver CD)
Rates reflect recent verified offers available in Irvine, California. Last Updated: April 4, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
CD vs. HYSA

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Irvine, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Irvine, California. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 4, 2026

Irvine, California Rates & Resources

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