Current Los Angeles, California CD rates include Schools Federal Credit UnionSchools Federal Credit Union850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131A+5.0 ★Texas Ratio: 1.69%Real return: +3.10%APY minus CPI (February 2026) offering Relationship Certificate (12 months) at 5.90% APY, Habib American HAB BankHabib American HAB Bank928 S Broadway, Los Angeles, CA 90015A+5.0 ★Texas Ratio: 5.54%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Certificate at 4.50% APY, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union5359 W Centinela Ave, Los Angeles, CA 90045A+5.0 ★Texas Ratio: 5.40%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Deferred Compensation Certificates at 4.30% APY, SCE Federal Credit UnionSCE Federal Credit Union2130 E 1st St, Los Angeles, CA 90033 3958A5.0 ★Texas Ratio: 6.34%Real return: +1.45%APY minus CPI (February 2026) offering 60 Month IRA Certificate Accounts at 4.25% APY, and Credit Union of Southern CaliforniaCredit Union of Southern California470 S San Vicente Blvd Fl 1, Los Angeles, CA 90048 4107Real return: +1.45%APY minus CPI (February 2026) offering 12-month Certificate at 4.25% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Los Angeles has 518 local institutions in our database, with CD rates as high as 5.90% APY from Schools Federal Credit Union at 850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Rewards+ Loyalty Program
Interest is not compounded. Interest will be credited to your account at maturity.
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.
Funding Limit*: $12M
Balance: $1,000 to $9,999.99
Balance: $1,000 to $9,999
Term: 3 months (90 to 179 days)
Non-Rewards+ Loyalty Program
Balance: $1,000 - $2,499.99
Standard CDs
$25,000+
Balance: $100,000+
Balance: $100,000+
$10,000 - $24,999
Balance: $50,000-$99,999
Balance: $50,000-$99,999
$1,000 - $9,999
Balance: $25,000-$49,999
Balance: $25,000-$49,999
Balance: $10,000-$24,999
Balance: $10,000-$24,999
IRA CD
Balance: $1,000-$9,999
Balance: $1,000-$9,999
Early withdrawal penalties may apply.
Relationship APY 0.06%. Early withdrawal penalties may apply.
UP to $99,999.99
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
No minimum deposit.
Limited-time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
Limited-time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
Minimum: $100,000 per member maximum; Balance: $10,000 and over
Term: Special 6-Month Fixed Rate2
Term: 6-Month Promotional IRA Share Certificate
Rewards+ Loyalty Program
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
Interest is not compounded. Interest will be credited to your account at maturity.
Balance: 6 Month
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
Balance: 6 Month
Limited Time CD Special
Featured Rate
Rates are accurate as of 9/14/26. Rates may change after account opening.
Balance: $1,000 to $9,999.99
Balance: $1,000 to $9,999
APY: 3.24%; APR: 3.19%
Funding Limit*: $12M
Non-Rewards+ Loyalty Program
Term: 6 months (180 to 269 days)
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
New Money Only
Minimum Deposit and Balance $50,000**
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Minimum Deposit and Balance $25,000**
Minimum Deposit and Balance $10,000**
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Minimum Deposit and Balance $1,000**
Terms Apply
New Funds; Offer available to CU SoCal Members over the age of 18 with a Rewards Checking Account. $100 minimum opening deposit required on a new Rewards Checking Account. Accounts are verified by ChexSystems and are subject to approval and Membership eligibility. If the Rewards Checking is closed or converted to another checking account type prior to maturity date, certificate rate will decrease to the current 6-month rate in effect. New Member online deposits are capped at $8,000 and must originate from an external (non-CU SoCal) account. Promotional certificate deposits via CU SoCal ACH transfers must remain on balance in account for a minimum of 60 days or additional penalties will apply. We may impose a penalty if you withdraw the principal from your certificate account before the maturity date. The penalty will be 60 days of dividends on the amount withdrawn. If the amount withdrawn reduces the principal balance below the stated minimum, you will be assessed a penalty on the entire principal balance. We will close the certificate account and transfer any remaining balance to your Regular Savings Account. Certificate automatically renews to a 6-month term at maturity; maturity date and terms provided at account opening. Renewal APY is based on your CU SoCal relationship at the time of renewal. Visit CUSoCal.org/Rates for details. Limit one promotional certificate per primary Member.
payroll deposit only
Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only. Initial term may vary depending on date account opened, renewing automatically into a 12-month term upon maturity.
Term: Special 12-Month Fixed Rate1
GBC 50th Anniversary Special!
Non-Rewards+ Loyalty Program Dividend Rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.10%
Non-Rewards+ Loyalty Program Dividend rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.10%
Balance: $100,000 +
Balance: 12 Month
Balance: 12 Month
APY: 4.04%; APR: 3.97%
Balance: $1,000.00
The minimum opening deposit listed is also the minimum balance required to earn the stated APY.
Balance: 12 Month
Balance: YOUth Boost 12-Month
Balance: $500-$99,999
Interest is not compounded. Interest will be credited to your account at maturity.
Balance: $1,000 to $9,999.99
Balance: $1,000 to $9,999
Minimum Deposit and Balance $50,000**
Rewards+ Loyalty Program Dividend Rate: 3.93%; Rewards+ Loyalty Program APY: 4.00%
Minimum Deposit and Balance $25,000**
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Minimum Deposit and Balance $10,000**
Minimum Deposit and Balance $1,000**
GBC 50th Anniversary Special!
Rewards+ Loyalty Program
Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%
APY: 3.98%; APR: 3.91%
Variable Rate
IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity. Promotional rate.
Balance: $1,000 to $9,999.99
Balance: $1,000 to $9,999
Non-Rewards+ Loyalty Program
Rewards+ Loyalty Program Dividend Rate: 3.93%; Rewards+ Loyalty Program APY: 4.00%
Dividends paid annually and at maturity
Dividends paid annually and at maturity; Promotional IRA Certificates / Roth / Educational IRA Certificates
Dividends paid annually and at maturity
Balance: 1,000+
Term: 18 Month New Money Certificate; Balance: $100,000+
Term: 18 Month New Money Certificate; Balance: $50,000 - $99,999
The promotional 18-month Certificate offers a dividend rate of 4.025%, with an Annual Percentage Yield (APY) of 4.100%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.
The promotional 18-month Certificate offers a dividend rate of 4.025%, with an Annual Percentage Yield (APY) of 4.100%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.
Balance: $200,000.00 +
Balance: $250,000+; Term Share and Traditional, Roth & SEP IRA Certificates
New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.
Balance: $90,000.00 - $199,999.99
Term: 18 Month New Money Certificate; Balance: $1,000 - $49,999
Rewards+ Loyalty Program
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Balance: $100,000 +
Balance: $500-$99,999
Balance: 24 Month
Balance: 24 Month
APY: 3.98%; APR: 3.91%
Balance: 24 Month
Promotional rates in effect as of September 16, 2026. Promotional rates are subject to change or end without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Balance: $1,000.00
Available to new and existing University Credit Union members whose accounts are in good standing under UCU policies. The Annual Percentage Yield (APY) is 3.50%, and the Dividend Rate is 3.445%. The disclosed APY and Dividend Rate are accurate as of August 1, 2026. Rates offered on new certificates may change at any time. Once opened, the certificate's Dividend Rate and APY will remain fixed until maturity unless the member exercises the one-time Bump-Up feature. The APY assumes dividends remain on deposit until maturity. Dividends are compounded and credited monthly. Minimum balance to open certificate is $500. The certificate has a 24-month term. No additional deposits are permitted after the account is opened. This Bump-Up Certificate allows the member to request a one-time increase to the account's Dividend Rate and corresponding APY during the original 24-month term. The member must request the rate increase. The rate increase is not automatic. Upon receipt of an eligible member request, the Dividend Rate and corresponding APY will be increased to the Dividend Rate and APY then in effect for the credit union's 24month published certificate. The adjusted rate and APY will apply only from the effective date of the rate increase forward. The adjusted rate and APY will not apply retroactively to dividends previously earned. The certificate's original maturity date will not change as a result of exercising the Bump-Up feature. One-time rate increase available beginning on the 11th calendar day after account opening and prior to maturity. The account is subject to the credit union's standard early withdrawal penalties. A penalty may be imposed for withdrawals before maturity. Early withdrawal penalties may reduce earnings on the account.
Balance: $1,000 to $9,999.99
Balance: $1,000 to $9,999
Minimum Deposit and Balance $50,000**
Minimum Deposit and Balance $25,000**
Minimum Deposit and Balance $10,000**
Non-Rewards+ Loyalty Program
Rewards+ Loyalty Program Dividend Rate: 4.17%; Rewards+ Loyalty Program APY: 4.25%
Minimum Deposit and Balance $1,000**
Dividends paid annually and at maturity
Dividends paid annually and at maturity; Promotional IRA Certificates / Roth / Educational IRA Certificates
Dividends paid annually and at maturity
Funding Limit*: $1M
Standard CDs
Rewards+ Loyalty Program
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
payroll deposit only
Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only.
Balance: $100,000 +
Balance: $500-$99,999
Balance: 36 Month
Balance: 36 Month
Balance: 36 Month
APY: 3.66%; APR: 3.60%
Minimum Deposit and Balance $50,000**
Minimum Deposit and Balance $25,000**
Balance: $1,000 to $9,999.99
Balance: $1,000 to $9,999
Minimum Deposit and Balance $10,000**
Funding Limit*: $0.5M
Earn 3.20% APY on balances of $500 or more.
Minimum Deposit and Balance $1,000**
Balance: $1,000.00
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Non-Rewards+ Loyalty Program
Rewards+ Loyalty Program Dividend Rate: 4.17%; Rewards+ Loyalty Program APY: 4.25%
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Standard CDs
Rewards+ Loyalty Program
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Balance: $100,000 +
Balance: $500-$99,999
Balance: 48 Month
Balance: 48 Month
Balance: 48 Month
APY: 3.66%; APR: 3.60%
Minimum Deposit and Balance $50,000**
Minimum Deposit and Balance $25,000**
Balance: $1,000 to $9,999.99
Balance: $1,000 to $9,999
Minimum Deposit and Balance $10,000**
Minimum Deposit and Balance $1,000**
Earn 3.05% APY on balances of $500 or more. Account matures in 48 months.
Balance: $1,000.00
Non-Rewards+ Loyalty Program
Rewards+ Loyalty Program Dividend Rate: 4.17%; Rewards+ Loyalty Program APY: 4.25%
Standard CDs
Rates effective as of April 9, 2024 and subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
payroll deposit only
Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only.
Rewards+ Loyalty Program
Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%
IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo)
IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo)
IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo)
Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance
Balance: $100,000 +
IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo)
Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance
Balance: $500 Minimum Balance
Balance: 60 Month
Balance: 60 Month
Balance: $500-$99,999
Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance
Balance: $500 Minimum Balance
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Minimum Deposit and Balance $50,000**
Balance: 60 Month
Minimum Deposit and Balance $25,000**
Minimum Deposit and Balance $10,000**
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Minimum Deposit and Balance $1,000**
Balance: $1,000 to $9,999.99
Balance: $1,000 to $9,999
APY: 3.61%; APR: 3.55%
Compare local Los Angeles, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
California 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
Where are California CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/yr | |
Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 2,663 CD rates from 24 banks and 72 credit unions with locations in Los Angeles, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Schools Federal Credit Union offers a CD at 5.90% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Los Angeles, California.
What to compare when shopping for a CD in Los Angeles, California
To find the best APYs in Los Angeles, California, start with credit unions and online-only banks: Los Angeles, California has 72 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
14.2% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 8.2% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 2.945%, saving 10% of the local median salary ($4,182/year) and putting it in a CD would earn an additional $123 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Los Angeles, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Los Angeles, California as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Los Angeles, California savers easier access to their funds. For example, Habib American HAB Bank is offering its 6 Month Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SchoolsFirst Federal Credit Union is offering its 60 Month Deferred Compensation Certificates at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Los Angeles, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Los Angeles, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Los Angeles, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Los Angeles, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
At today’s CA top rate of 5.90% APY, a $10,000 deposit earns $590 in the first year. Enter your amount to see your exact return.
Los Angeles, California CD LadderCA CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Los Angeles, California CD at 5.90% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.945% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Los Angeles, California CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Los Angeles, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Los Angeles, 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.