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CD Rate Trends

Los Angeles, California Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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

Los Angeles, California CD rates range from 0.02% to 5.90% APY, verified by MonitorBankRates as of October 13, 2026. 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: 1.87%Real return: +3.10%APY minus CPI (February 2026) offering 12 Month Relationship Certificate at 5.90% APY, LA Healthcare Federal Credit UnionLA Healthcare Federal Credit Union320 W 15th St Ste 128, Los Angeles, CA 90015 3092A+5.0 ★Texas Ratio: 3.47%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Certificates at 5.00% APY, Kinecta Federal Credit UnionKinecta Federal Credit Union2365 E Century Blvd Ste 3B, Los Angeles, CA 90002A+5.0 ★Texas Ratio: 3.82%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month Promo Certificate at 4.50% APY, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union5359 W Centinela Ave, Los Angeles, CA 90045A+5.0 ★Texas Ratio: 5.56%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Deferred Compensation Certificate at 4.50% APY, and Vio BankVio Bank1875 Century Park E, Los Angeles, CA 90067A+5.0 ★Texas Ratio: 4.93%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month CD at 4.40% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Los Angeles has 623 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: October 13, 2026

Compare Best CD Rates in Los Angeles, California & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Los Angeles 3 Month CD Rates

California 3 Month CD Average2.37% APYNational 2.09%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
3-MONTH CD
$0
4.25% ▲ 1.88% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.88% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
601 S Figueroa St, Los Angeles, CA 90017
3-Month CD
$0
3.80% ▲ 1.43% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.43% above avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
3 Month CD
$1,000
3.75% ▲ 1.38% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details

Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 8, 2026: 3.50% APYOct 2, 2026: 3.75% APYSep 8, 2026Oct 14, 2026
  • Oct 2, 20263.75%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3540 Wilshire Blvd, Los Angeles, CA 90010
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.33% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.33% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
928 S Broadway, Los Angeles, CA 90015
3 Month Certificate
$0
3.65% ▲ 1.28% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.65%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
3 Month Performance CD
$0
3.60% ▲ 1.23% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
3 Month IRA Certificate
$0
3.60% ▲ 1.23% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
3 Month Share Certificates
$0
3.60% ▲ 1.23% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
555 W 5th St, Los Angeles, CA 90013
3-Month Certificate of Deposit
$500
3.55% ▲ 1.18% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.18% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
3 Month CD
$1,000
3.50% ▲ 1.13% above California avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.13% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
3 Month IRA CD (91-Day)
$1,000
3.50% ▲ 1.13% above California avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.13% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 14, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
3 Month Share Certificate
$0
3.25% ▲ 0.88% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▲ 0.88% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Water and Power Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1053 W Sunset Blvd, Los Angeles, CA 90012 2134
3 Month IRA Certificates
$0
3.05% ▲ 0.68% above California avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▲ 0.68% above avgNationally 2.09%
Details

Balance: $1,000 to $9,999

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Month Jumbo Certificate
$0
2.60% ▲ 0.23% above California avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.23% above avgNationally 2.09%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 25, 2026: 2.60% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Month Traditional/Roth IRA Share Certificate
$0
2.60% ▲ 0.23% above California avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.23% above avgNationally 2.09%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 8, 2026: 2.60% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Month Business Jumbo Certificate
$0
2.50% ▲ 0.13% above California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.13% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Month Regular Certificate
$0
2.50% ▲ 0.13% above California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.13% above avgNationally 2.09%
Details

Regular

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Month Traditional/Roth IRA Share Certificate
$0
2.50% ▲ 0.13% above California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.13% above avgNationally 2.09%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
3 Month Business CDs
$0
2.45% ▲ 0.08% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 0.08% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Month Business Regular Certificate
$0
2.40% ▲ 0.03% above California avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 0.03% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 8, 2026: 2.40% APYOct 8, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
725 N Broadway, Los Angeles, CA 90012
3-Month CD
$0
2.00% ▼ 0.37% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▼ 0.37% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
201 N Los Angeles St, Los Angeles, CA 90012
3 Month Share Certificate - Gold Relationship or Jumbo Certificate
$100,000
1.71% ▼ 0.66% below California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 0.66% below avgNationally 2.09%
Details

$100,000 minimum opening deposit, for Consumer & Business Accounts.

Rate History
No change since Oct 8, 2026 · 1.71% APY · checked 2 times
1.21%1.71%2.21%Oct 8, 2026: 1.71% APYOct 8, 2026Oct 14, 2026
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
201 N Los Angeles St, Los Angeles, CA 90012
3 Month Share Certificate - Silver Relationship or Senior Member
$0
1.66% ▼ 0.71% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 0.71% below avgNationally 2.09%
Details

Members age 60+

Rate History
No change since Oct 8, 2026 · 1.66% APY · checked 2 times
1.16%1.66%2.16%Oct 8, 2026: 1.66% APYOct 8, 2026Oct 14, 2026
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
201 N Los Angeles St, Los Angeles, CA 90012
3 Month Share Certificate - Bronze Relationship or Business Account
$0
1.61% ▼ 0.76% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 0.76% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 1.61% APY · checked 2 times
1.11%1.61%2.11%Oct 8, 2026: 1.61% APYOct 8, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Share Certificate - 3 month
$100,000
1.12% ▼ 1.25% below California avg
View
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 1.25% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 1.12% APY
0.62%1.12%1.62%Oct 12, 2026: 1.12% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Traditional and Roth IRA Certificate - 3 month
$100,000
1.12% ▼ 1.25% below California avg
View
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 1.25% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 1.12% APY
0.62%1.12%1.62%Oct 12, 2026: 1.12% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Share Certificate - 3 month
$500
1.02% ▼ 1.35% below California avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 1.35% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
0.52%1.07%1.62%Sep 25, 2026: 1.12% APYOct 12, 2026: 1.02% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20261.02%▼ from 1.12%
  • Sep 25, 20261.12%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Traditional and Roth IRA Certificate - 3 month
$500
1.02% ▼ 1.35% below California avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 1.35% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 1.02% APY
0.52%1.02%1.52%Oct 12, 2026: 1.02% APYOct 12, 2026Oct 14, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4151 Prospect Ave, Los Angeles, CA 90027
Investment Share and IRA Certificates - 3 Months
$0
1.00% ▼ 1.37% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 1.37% below avgNationally 2.09%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1990 Westwood Blvd, Los Angeles, CA 90025
3 Month Certificate
$0
0.90% ▼ 1.47% below California avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 1.47% below avgNationally 2.09%
Details

Minimum balance required to earn a dividend

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 14, 2026
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1990 Westwood Blvd, Los Angeles, CA 90025
3 Month IRA Certificate
$0
0.90% ▼ 1.47% below California avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▼ 1.47% below avgNationally 2.09%
Details

Minimum balance required to earn a dividend

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
3-month term
$0
0.60% ▼ 1.77% below California avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▼ 1.77% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
3-month term Standard CD
$0
0.50% ▼ 1.87% below California avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.37%▼ 1.87% below avgNationally 2.09%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
Priority One Credit Union South Pasadena, CA
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
7001 S Central Ave Rm 100, Los Angeles, CA 90052 4200
3 Month Term Share Certificate Account
$25,000
0.33% ▼ 2.04% below California avg
View
▼
Rate0.33%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.37%▼ 2.04% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.33% APY · checked 7 times
0.00%0.42%0.83%Sep 14, 2026: 0.33% APYSep 14, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day Business CERTIFICATE OF DEPOSIT (CD)
$0
0.30% ▼ 2.07% below California avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.07% below avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day CERTIFICATE OF DEPOSIT (CD)
$0
0.30% ▼ 2.07% below California avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.07% below avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
Priority One Credit Union South Pasadena, CA
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
7001 S Central Ave Rm 100, Los Angeles, CA 90052 4200
3 Month - Term Share Certificate Account
$10,000
0.28% ▼ 2.09% below California avg
View
▼
Rate0.28%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.37%▼ 2.09% below avgNationally 2.09%
Details

$10,000 - $24,999

Rate History
No change since Sep 14, 2026 · 0.28% APY · checked 7 times
0.00%0.39%0.78%Sep 14, 2026: 0.28% APYSep 14, 2026Oct 14, 2026
Priority One Credit Union South Pasadena, CA
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
7001 S Central Ave Rm 100, Los Angeles, CA 90052 4200
3 Month Certificate Builder
$1,000
0.28% ▼ 2.09% below California avg
View
▼
Rate0.28%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.37%▼ 2.09% below avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 0.28% APY · checked 3 times
0.00%0.39%0.78%Oct 9, 2026: 0.28% APYOct 9, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day Business CERTIFICATE OF DEPOSIT (CD)
$0
0.25% ▼ 2.12% below California avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.12% below avgNationally 2.09%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 20, 2026: 0.25% APYSep 20, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day CERTIFICATE OF DEPOSIT (CD)
$0
0.25% ▼ 2.12% below California avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.12% below avgNationally 2.09%
Details

Balance: $50,000-$99,999

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Priority One Credit Union South Pasadena, CA
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
7001 S Central Ave Rm 100, Los Angeles, CA 90052 4200
3 Month Term Share Certificate
$1,000
0.23% ▼ 2.14% below California avg
View
▼
Rate0.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.37%▼ 2.14% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.23% APY · checked 7 times
0.00%0.37%0.73%Sep 14, 2026: 0.23% APYSep 14, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day Business CERTIFICATE OF DEPOSIT (CD)
$0
0.20% ▼ 2.17% below California avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.17% below avgNationally 2.09%
Details

Balance: $25,000-$49,999

Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day CERTIFICATE OF DEPOSIT (CD)
$0
0.20% ▼ 2.17% below California avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.17% below avgNationally 2.09%
Details

Balance: $25,000-$49,999

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day Business CERTIFICATE OF DEPOSIT (CD)
$0
0.15% ▼ 2.22% below California avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.22% below avgNationally 2.09%
Details

Balance: $10,000-$24,999

Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day CERTIFICATE OF DEPOSIT (CD)
$0
0.15% ▼ 2.22% below California avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.22% below avgNationally 2.09%
Details

Balance: $10,000-$24,999

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 14, 2026
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3683 Crenshaw Blvd, Los Angeles, CA 90016
UNITY 90 Day CD
$0
0.10% ▼ 2.27% below California avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3683 Crenshaw Blvd, Los Angeles, CA 90016
UNITY 90 Day IRA CD
$0
0.10% ▼ 2.27% below California avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details

Balance: $1,000+

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day Business CERTIFICATE OF DEPOSIT (CD)
$0
0.10% ▼ 2.27% below California avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details

Balance: $1,000-$9,999

Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
90 Day CERTIFICATE OF DEPOSIT (CD)
$0
0.10% ▼ 2.27% below California avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details

Balance: $1,000-$9,999

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5458 Whittier Blvd, Los Angeles, CA 90022
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.31% below California avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▼ 2.31% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026

Los Angeles 6 Month CD Rates

California 6 Month CD Average2.93% APYNational 2.77%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
6-MONTH CD
$0
4.25% ▲ 1.32% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
IRA - 6-MONTH IRA CD
$1,000
4.25% ▲ 1.32% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
6-Month Promotional IRA Share Certificate
$0
4.20% ▲ 1.27% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.27% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
6-Month Add-On Promotional Share Certificate
$0
4.10% ▲ 1.17% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.17% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
555 S Flower St, Los Angeles, CA 90071
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.07% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 1.07% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
6 Month Certificates
$0
4.00% ▲ 1.07% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.07% above avgNationally 2.77%
Details

Balance: $100,000; Rate effective October 1, 2026

Rate History
1 change since Sep 18, 2026 · 1.50% → 4.00% ▲ 2.50 pts · high 4.00% / low 1.50%
0.00%3.25%6.50%Sep 18, 2026: 1.50% APYOct 9, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20264.00%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
6 Month CD
$1,000
3.85% ▲ 0.92% above California avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 0.92% above avgNationally 2.77%
Details

Rate History
1 change since Sep 8, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 8, 2026: 3.70% APYOct 2, 2026: 3.85% APYSep 8, 2026Oct 14, 2026
  • Oct 2, 20263.85%▲ from 3.70%
  • Sep 8, 20263.70%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
6 Month CD
$500
3.85% ▲ 0.92% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 0.92% above avgNationally 2.77%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 14, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
5757 Wilshire Blvd, Los Angeles, CA 90036 3684
6-Month Certificate
$0
3.81% ▲ 0.88% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.88% above avgNationally 2.77%
Details

Special Certificate Account; up to APY; no monthly fee; federally insured by NCUA up to $250,000

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
5757 Wilshire Blvd, Los Angeles, CA 90036 3684
Certificates - 6 months
$500
3.81% ▲ 0.88% above California avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.88% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3540 Wilshire Blvd, Los Angeles, CA 90010
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.75% ▲ 0.82% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
928 S Broadway, Los Angeles, CA 90015
6 Month Certificate
$0
3.75% ▲ 0.82% above California avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.75% ▼ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.75%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
6 Month Certificates
$0
3.75% ▲ 0.82% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Balance: $50,000; Rate effective October 1, 2026

Rate History
1 change since Sep 18, 2026 · 1.50% → 3.75% ▲ 2.25 pts · high 3.75% / low 1.50%
0.00%3.00%6.00%Sep 18, 2026: 1.50% APYOct 9, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.75%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4151 Prospect Ave, Los Angeles, CA 90027
Investment Share and IRA Certificates - 6 Months
$0
3.75% ▲ 0.82% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3000 S Sepulveda Blvd, Los Angeles, CA 90034
6-Month CD
$0
3.75% ▲ 0.82% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3000 S Sepulveda Blvd, Los Angeles, CA 90034
6-Month Term
$1,000
3.75% ▲ 0.82% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
6 Month Business CDs
$0
3.70% ▲ 0.77% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 0.77% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
6 Month CD
$1,000
3.70% ▲ 0.77% above California avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 0.77% above avgNationally 2.77%
Details

Rate History
No change since Sep 8, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 8, 2026: 3.70% APYSep 8, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
6 Month IRA CD (182-Day)
$1,000
3.70% ▲ 0.77% above California avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 0.77% above avgNationally 2.77%
Details

Rate History
No change since Sep 8, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 8, 2026: 3.70% APYSep 8, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.73% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.73% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
6 Month Performance CD
$0
3.60% ▲ 0.67% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 0.67% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
6 Month Jumbo Share Certificates
$0
3.55% ▲ 0.62% above California avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.62% above avgNationally 2.77%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Certificates - 6 Month
$0
3.55% ▲ 0.62% above California avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.62% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.55%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
555 W 5th St, Los Angeles, CA 90013
6-Month CD
$500
3.50% ▲ 0.57% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 0.57% above avgNationally 2.77%
Details

Earn 3.50% APY on balances of $500 or more.

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
6 Month Certificates
$0
3.50% ▲ 0.57% above California avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.57% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 18, 2026 · 1.50% → 3.50% ▲ 2.00 pts · high 3.50% / low 1.50%
0.00%2.75%5.50%Sep 18, 2026: 1.50% APYOct 9, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.50%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
6 Month Share Certificate
$0
3.50% ▲ 0.57% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 0.57% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
6 Month IRA Certificate
$0
3.45% ▲ 0.52% above California avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.93%▲ 0.52% above avgNationally 2.77%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
6 Month Share Certificates
$0
3.45% ▲ 0.52% above California avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.93%▲ 0.52% above avgNationally 2.77%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
801 S Figueroa St, Los Angeles, CA 90017
6 Month CD
$5,000
3.30% ▲ 0.37% above California avg
View
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▲ 0.37% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5300 Melrose Ave Ste 107, Los Angeles, CA 90038 5115
6 Month Share Certificates
$1,000
3.25% ▲ 0.32% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.32% above avgNationally 2.77%
Details

Rate Type: Fixed; Maximum Balance: Unlimited

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 14, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
6 Month Certificates
$0
3.25% ▲ 0.32% above California avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.32% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 18, 2026 · 1.50% → 3.25% ▲ 1.75 pts · high 3.25% / low 1.50%
0.00%2.50%5.00%Sep 18, 2026: 1.50% APYOct 9, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.25%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
6 Month Term Certificates
$0
3.24% ▲ 0.31% above California avg
View
▼
Rate3.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.31% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.24% APY
2.74%3.24%3.74%Oct 12, 2026: 3.24% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 6 Months
$0
3.24% ▲ 0.31% above California avg
View
▼
Rate3.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.31% above avgNationally 2.77%
Details

> $90,000

Rate History
No change since Oct 12, 2026 · 3.24% APY
2.74%3.24%3.74%Oct 12, 2026: 3.24% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Share Certificate - 6 month
$100,000
3.16% ▲ 0.23% above California avg
View
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.23% above avgNationally 2.77%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.16% APY
2.66%3.16%3.66%Oct 12, 2026: 3.16% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Traditional and Roth IRA Certificate - 6 month
$100,000
3.16% ▲ 0.23% above California avg
View
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.23% above avgNationally 2.77%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.16% APY
2.66%3.16%3.66%Oct 12, 2026: 3.16% APYOct 12, 2026Oct 14, 2026
Water and Power Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1053 W Sunset Blvd, Los Angeles, CA 90012 2134
6 Month IRA Certificates
$0
3.15% ▲ 0.22% above California avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 0.22% above avgNationally 2.77%
Details

Balance: $1,000 to $9,999

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Water and Power Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1053 W Sunset Blvd, Los Angeles, CA 90012 2134
Regular 6-months Flex
$5,000
3.15% ▲ 0.22% above California avg
View
▼
Rate3.11%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▲ 0.22% above avgNationally 2.77%
Details

Rate History
No change since Sep 27, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 27, 2026: 3.15% APYSep 27, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
6 Month Term Certificates
$0
3.14% ▲ 0.21% above California avg
View
▼
Rate3.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.21% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.14% APY
2.64%3.14%3.64%Oct 12, 2026: 3.14% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 6 Months
$500
3.13% ▲ 0.20% above California avg
View
▼
Rate3.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.20% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.13% APY
2.63%3.13%3.63%Oct 12, 2026: 3.13% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Share Certificate - 6 month
$500
3.05% ▲ 0.12% above California avg
View
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.12% above avgNationally 2.77%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
2.55%3.11%3.66%Sep 25, 2026: 3.16% APYOct 12, 2026: 3.05% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.05%▼ from 3.16%
  • Sep 25, 20263.16%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Traditional and Roth IRA Certificate - 6 month
$500
3.05% ▲ 0.12% above California avg
View
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 0.12% above avgNationally 2.77%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 14, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
6 Month Certificates
$0
3.00% ▲ 0.07% above California avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.07% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 18, 2026 · 1.50% → 3.00% ▲ 1.50 pts · high 3.00% / low 1.50%
0.00%2.25%4.50%Sep 18, 2026: 1.50% APYOct 9, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.00%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
6 Month Jumbo Certificate
$0
2.90% ▼ 0.03% below California avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.03% below avgNationally 2.77%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 2.90% APY · checked 4 times
2.40%2.90%3.40%Sep 25, 2026: 2.90% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
6 Month Traditional/Roth IRA Share Certificate
$0
2.90% ▼ 0.03% below California avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.03% below avgNationally 2.77%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 8, 2026: 2.90% APYOct 8, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
Jumbo Term Share Certificates 6 Month
$100,000
2.80% ▼ 0.13% below California avg
View
▼
Rate2.77%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▼ 0.13% below avgNationally 2.77%
Details

Rate History
No change since Sep 27, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Sep 27, 2026: 2.80% APYSep 27, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
6 Month Business Jumbo Certificate
$0
2.75% ▼ 0.18% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.18% below avgNationally 2.77%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
6 Month Regular Certificate
$0
2.75% ▼ 0.18% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.18% below avgNationally 2.77%
Details

Regular

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
6 Month Traditional/Roth IRA Share Certificate
$0
2.75% ▼ 0.18% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.18% below avgNationally 2.77%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
6 Month Retirement Certificates
$0
2.75% ▼ 0.18% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▼ 0.18% below avgNationally 2.77%
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
Retirement Certificates 6 Months
$100,000
2.75% ▼ 0.18% below California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.93%▼ 0.18% below avgNationally 2.77%
Details

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.

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026

Los Angeles 12 Month CD Rates

California 12 Month CD Average3.14% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
12 Month Relationship Certificate
$0
5.90% ▲ 2.76% above California avg
View
▼
Rate5.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 2.76% above avgNationally 2.99%
Details

Relationship Certificate(12 months)Terms Apply

Rate History
No change since Sep 25, 2026 · 5.90% APY · checked 3 times
5.40%5.90%6.40%Sep 25, 2026: 5.90% APYSep 25, 2026Oct 14, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
12 Month Certificates
$0
5.00% ▲ 1.86% above California avg
View
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.86% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 18, 2026 · 2.00% → 5.00% ▲ 3.00 pts · high 5.00% / low 2.00%
0.00%4.00%8.00%Sep 18, 2026: 2.00% APYOct 9, 2026: 5.00% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20265.00%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
12 Month Certificates
$0
4.75% ▲ 1.61% above California avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.61% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 18, 2026 · 2.00% → 4.75% ▲ 2.75 pts · high 4.75% / low 2.00%
0.00%3.75%7.50%Sep 18, 2026: 2.00% APYOct 9, 2026: 4.75% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20264.75%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
320 W 15th St Ste 128, Los Angeles, CA 90015 3092
12 Month Certificates
$0
4.50% ▲ 1.36% above California avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 18, 2026 · 2.00% → 4.50% ▲ 2.50 pts · high 4.50% / low 2.00%
0.00%3.50%7.00%Sep 18, 2026: 2.00% APYOct 9, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20264.50%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
12 Month Deferred Compensation Certificate
$50
4.35% ▲ 1.21% above California avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
12 Month CD
$500
4.30% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
12-MONTH CD
$0
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
IRA - 12-MONTH IRA CD
$1,000
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
12 Month Certificate
$0
4.17% ▲ 1.03% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.03% above avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
3.47%4.07%4.67%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.17% APYSep 21, 2026Oct 14, 2026
  • Oct 9, 20264.17%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
555 S Flower St, Los Angeles, CA 90071
Special 12-Month Fixed Rate
$0
4.11% ▲ 0.97% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
12 Month Certificate
$0
4.07% ▲ 0.93% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.93% above avgNationally 2.99%
Details

Balance: $500-$99,999

Rate History
1 change since Sep 21, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
3.26%3.92%4.57%Sep 21, 2026: 3.76% APYOct 9, 2026: 4.07% APYSep 21, 2026Oct 14, 2026
  • Oct 9, 20264.07%▲ from 3.76%
  • Sep 21, 20263.76%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
12-Month College Saver
$200
4.05% ▲ 0.91% above California avg
View
▼
Rate3.97%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.91% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYSep 29, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
12 Month Term Certificates
$0
4.04% ▲ 0.90% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.04% APY
3.54%4.04%4.54%Oct 12, 2026: 4.04% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 12 Months
$0
4.04% ▲ 0.90% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.90% above avgNationally 2.99%
Details

> $90,000

Rate History
No change since Oct 12, 2026 · 4.04% APY
3.54%4.04%4.54%Oct 12, 2026: 4.04% APYOct 12, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.88% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 0.88% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.88% above avgNationally 2.99%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
333 S Grand Ave, Los Angeles, CA 90071
12 Month Platinum TCD
$0
4.00% ▲ 0.86% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details

Terms and Conditions

Rate History
1 change since Sep 7, 2026 · 3.88% → 4.00% ▲ 0.12 pts · high 4.00% / low 3.88%
3.38%3.94%4.50%Sep 7, 2026: 3.88% APYSep 19, 2026: 4.00% APYSep 7, 2026Oct 14, 2026
  • Sep 19, 20264.00%▲ from 3.88%
  • Sep 7, 20263.88%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3000 S Sepulveda Blvd, Los Angeles, CA 90034
1-Year CD
$0
4.00% ▲ 0.86% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3000 S Sepulveda Blvd, Los Angeles, CA 90034
1-Year Term
$1,000
4.00% ▲ 0.86% above California avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
12 Month CD
$5,000
3.95% ▲ 0.81% above California avg
View
▼
Rate3.87%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.81% above avgNationally 2.99%
Details

Rate History
No change since Oct 2, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Oct 2, 2026: 3.95% APYOct 2, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
12 Month Term Certificates
$0
3.92% ▲ 0.78% above California avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 12 Months
$0
3.92% ▲ 0.78% above California avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
12 Month IRA Certificates
$0
3.86% ▲ 0.72% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.86% APY · checked 3 times
3.36%3.86%4.36%Oct 5, 2026: 3.86% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Certificates - 12 Month
$0
3.86% ▲ 0.72% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.72% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.86% ▲ 0.07 pts · high 3.86% / low 3.79%
3.29%3.82%4.36%Sep 14, 2026: 3.79% APYSep 25, 2026: 3.81% APYOct 5, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Certificates - YOUth Boost 12-Month
$0
3.86% ▲ 0.72% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 13, 2026: 3.86% APYOct 13, 2026Oct 14, 2026
State Bank of India US
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
707 Wilshire Blvd, Los Angeles, CA 90017
1 Year IRA Certificate
$0
3.85% ▲ 0.71% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
928 S Broadway, Los Angeles, CA 90015
12 Month Certificate
$0
3.85% ▲ 0.71% above California avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.71% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.85% ▼ 0.65 pts · high 4.50% / low 3.85%
3.20%4.18%5.15%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.85%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
12 Month CD
$1,000
3.85% ▲ 0.71% above California avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 8, 2026: 3.85% APYSep 8, 2026Oct 14, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
IRA 12 Month Certificate
$1,000
3.84% ▲ 0.70% above California avg
View
▼
Rate3.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 5 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 14, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
12 Month Share Certificate
$0
3.79% ▲ 0.65% above California avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 6 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APYSep 14, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
12 Month IRA CD
$1,000
3.75% ▲ 0.61% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 8, 2026: 3.75% APYSep 8, 2026Oct 14, 2026
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
2130 E 1st St, Los Angeles, CA 90033 3958
IRA Certificate Accounts - 12 months
$0
3.75% ▲ 0.61% above California avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4151 Prospect Ave, Los Angeles, CA 90027
Investment Share and IRA Certificates - 12 Months
$0
3.75% ▲ 0.61% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.61% above avgNationally 2.99%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.75% ▲ 1.00 pts · high 3.75% / low 2.75%
1.75%3.25%4.75%Sep 14, 2026: 2.75% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
1 Year Business CDs
$0
3.60% ▲ 0.46% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.46% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3540 Wilshire Blvd, Los Angeles, CA 90010
WooriWON Certificate of Deposit (CD) - 12-Months
$1,000
3.55% ▲ 0.41% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.41% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
12 Month Performance CD
$0
3.50% ▲ 0.36% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.36% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5300 Melrose Ave Ste 107, Los Angeles, CA 90038 5115
1 Year IRA Certificates
$1,000
3.50% ▲ 0.36% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.36% above avgNationally 2.99%
Details

Rate Type: Fixed; Maximum Balance: Unlimited

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 14, 2026
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5300 Melrose Ave Ste 107, Los Angeles, CA 90038 5115
1 Year Share Certificates
$1,000
3.50% ▲ 0.36% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.36% above avgNationally 2.99%
Details

Rate Type: Fixed; Maximum Balance: Unlimited

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
12 Month Jumbo Share Certificates
$0
3.50% ▲ 0.36% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.36% above avgNationally 2.99%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
12 Month Jumbo Traditional IRA Certificate
$0
3.50% ▲ 0.36% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.36% above avgNationally 2.99%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
12 Month IRA Certificate
$0
3.40% ▲ 0.26% above California avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.14%▲ 0.26% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
12 Month Share Certificates
$0
3.40% ▲ 0.26% above California avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.14%▲ 0.26% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Share Certificate - 12 month
$100,000
3.31% ▲ 0.17% above California avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.17% above avgNationally 2.99%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Traditional and Roth IRA Certificate - 12 month
$100,000
3.31% ▲ 0.17% above California avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.17% above avgNationally 2.99%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
12 Month IRA Certificate
$0
3.30% ▲ 0.16% above California avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.16% above avgNationally 2.99%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
12 Month Jumbo Share Certificates
$0
3.30% ▲ 0.16% above California avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.16% above avgNationally 2.99%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
12 Month Jumbo Traditional IRA Certificate
$0
3.30% ▲ 0.16% above California avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.16% above avgNationally 2.99%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
Share Certificates - 12 months
$0
3.30% ▲ 0.16% above California avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.16% above avgNationally 2.99%
Details

Penalties may apply for early withdrawals

Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
12 Month Jumbo Certificate
$0
3.25% ▲ 0.11% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.11% above avgNationally 2.99%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
12 Month Traditional/Roth IRA Share Certificate
$0
3.25% ▲ 0.11% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 0.11% above avgNationally 2.99%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026

Los Angeles 18 Month CD Rates

California 18 Month CD Average3.10% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
18-Month Promo Certificate
$100,000
4.50% ▲ 1.40% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.40% above avgNationally 2.88%
Details

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

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
18-Month Promotional Certificate
$0
4.50% ▲ 1.40% above California avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.40% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
18-Month Promo Certificate
$100
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Or, 4.35% APY* with $100 min.

Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.35%▼ from 4.50%
  • Oct 4, 20264.50%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
18-Month Promotional Certificate
$0
4.35% ▲ 1.25% above California avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
Business 18-Month Promotional Certificate
$0
4.35% ▲ 1.25% above California avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
18 Month CD
$500
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
18-MONTH CD
$0
4.25% ▲ 1.15% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
IRA - 18-MONTH IRA CD
$1,000
4.25% ▲ 1.15% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
Business 18-Month Promotional Certificate
$0
4.20% ▲ 1.10% above California avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.10% above avgNationally 2.88%
Details

Regular

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
333 S Grand Ave, Los Angeles, CA 90071
18 Month Platinum TCD
$0
4.18% ▲ 1.08% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.08% above avgNationally 2.88%
Details

Terms and Conditions

Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
3.58%4.13%4.68%Sep 7, 2026: 4.08% APYSep 19, 2026: 4.18% APYSep 7, 2026Oct 14, 2026
  • Sep 19, 20264.18%▲ from 4.08%
  • Sep 7, 20264.08%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
725 N Broadway, Los Angeles, CA 90012
18-Month Variable Rate IRA
$0
4.17% ▲ 1.07% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.10%▲ 1.07% above avgNationally 2.88%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
2130 E 1st St, Los Angeles, CA 90033 3958
IRA Certificate Accounts - 18 months
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
18 Month Term Certificates
$0
3.98% ▲ 0.88% above California avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 18 Months
$0
3.98% ▲ 0.88% above California avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.88% above avgNationally 2.88%
Details

> $90,000

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
18 Month Term Certificates
$0
3.83% ▲ 0.73% above California avg
View
▼
Rate3.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.83% APY
3.33%3.83%4.33%Oct 12, 2026: 3.83% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 18 Months
$0
3.83% ▲ 0.73% above California avg
View
▼
Rate3.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.83% APY
3.33%3.83%4.33%Oct 12, 2026: 3.83% APYOct 12, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
18-month term
$0
3.80% ▲ 0.70% above California avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.70% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.70% above California avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.70% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
18 Month Certificate
$1,000
3.65% ▲ 0.55% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 0.55% above avgNationally 2.88%
Details

Minimum Deposit and Balance $1,000

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
18-Month New Member Certificate
$1,000
3.50% ▲ 0.40% above California avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.40% above avgNationally 2.88%
Details

Available to new Southland Members only. Individuals with an existing Southland account under the same Social Security number, or with a closed account within the past 12 months, do not qualify. Limit one certificate per Member/Social Security number. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity. IRA Certificates are available.

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Share Certificate - 18 month
$100,000
3.41% ▲ 0.31% above California avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.31% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Traditional and Roth IRA Certificate - 18 month
$100,000
3.41% ▲ 0.31% above California avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.31% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
18 Month Performance CD
$0
3.40% ▲ 0.30% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 0.30% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
18 Month IRA Certificate
$0
3.35% ▲ 0.25% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.10%▲ 0.25% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
18 Month Share Certificates
$0
3.35% ▲ 0.25% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.10%▲ 0.25% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Share Certificate - 18 month
$500
3.31% ▲ 0.21% above California avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.21% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.31% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.31%▼ from 3.41%
  • Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Traditional and Roth IRA Certificate - 18 month
$500
3.31% ▲ 0.21% above California avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.21% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 14, 2026
Water and Power Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1053 W Sunset Blvd, Los Angeles, CA 90012 2134
18 Month IRA Certificates
$0
3.20% ▲ 0.10% above California avg
View
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.10% above avgNationally 2.88%
Details

Balance: $1,000 to $9,999

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
18 Month CD
$1,000
3.15% ▲ 0.05% above California avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 0.05% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 8, 2026: 3.15% APYSep 8, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
18 Month IRA Certificate
$0
3.15% ▲ 0.05% above California avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.05% above avgNationally 2.88%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
Share Certificates - 18 months
$0
3.15% ▲ 0.05% above California avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.05% above avgNationally 2.88%
Details

Penalties may apply for early withdrawals

Rate History
No change since Oct 12, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 12, 2026: 3.15% APYOct 12, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
18 Month IRA CD
$1,000
3.00% ▼ 0.10% below California avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 0.10% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 8, 2026: 3.00% APYSep 8, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
18 Month Roth IRA CD
$1,000
3.00% ▼ 0.10% below California avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 0.10% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 8, 2026: 3.00% APYSep 8, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
928 S Broadway, Los Angeles, CA 90015
18 Month Certificate
$0
2.75% ▼ 0.35% below California avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 0.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3000 S Sepulveda Blvd, Los Angeles, CA 90034
18-Month CD
$0
2.75% ▼ 0.35% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▼ 0.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3000 S Sepulveda Blvd, Los Angeles, CA 90034
18-Month Term
$1,000
2.75% ▼ 0.35% below California avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▼ 0.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 14, 2026
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
5115 Wilshire Blvd STE F, Los Angeles, CA 90036 4366
18 Month IRA Certificate
$0
2.70% ▼ 0.40% below California avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▼ 0.40% below avgNationally 2.88%
Details

Dividends paid annually and at maturity

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 14, 2026
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
5115 Wilshire Blvd STE F, Los Angeles, CA 90036 4366
Promotional IRA Certificates / Roth / Educational IRA Certificates - 18 Months
$0
2.70% ▼ 0.40% below California avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▼ 0.40% below avgNationally 2.88%
Details

Dividends paid annually and at maturity

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
1.5 Year Business CDs
$0
2.10% ▼ 1.00% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 1.00% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 18, 2026: 2.10% APYSep 18, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 S Grand Ave, Los Angeles, CA 90071
18 Month IRA Certificates
$0
0.75% ▼ 2.35% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 S Grand Ave, Los Angeles, CA 90071
18 Month Standard CD
$0
0.75% ▼ 2.35% below California avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
18 Month Business CERTIFICATE OF DEPOSIT (CD)
$0
0.55% ▼ 2.55% below California avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▼ 2.55% below avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
18 Month CERTIFICATE OF DEPOSIT (CD)
$0
0.55% ▼ 2.55% below California avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▼ 2.55% below avgNationally 2.88%
Details

Balance: $50,000+

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
18 Month Business CERTIFICATE OF DEPOSIT (CD)
$0
0.50% ▼ 2.60% below California avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▼ 2.60% below avgNationally 2.88%
Details

Balance: $50,000-$99,999

Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
18 Month CERTIFICATE OF DEPOSIT (CD)
$0
0.50% ▼ 2.60% below California avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▼ 2.60% below avgNationally 2.88%
Details

Balance: $50,000-$99,999

Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
18 Month Business CERTIFICATE OF DEPOSIT (CD)
$0
0.45% ▼ 2.65% below California avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▼ 2.65% below avgNationally 2.88%
Details

Balance: $25,000-$49,999

Rate History
No change since Oct 8, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 8, 2026: 0.45% APYOct 8, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
18 Month CERTIFICATE OF DEPOSIT (CD)
$0
0.45% ▼ 2.65% below California avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▼ 2.65% below avgNationally 2.88%
Details

Balance: $25,000-$49,999

Rate History
No change since Oct 8, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 8, 2026: 0.45% APYOct 8, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
18 Month Business CERTIFICATE OF DEPOSIT (CD)
$0
0.40% ▼ 2.70% below California avg
View
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▼ 2.70% below avgNationally 2.88%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 8, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 8, 2026: 0.40% APYOct 8, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
18 Month CERTIFICATE OF DEPOSIT (CD)
$0
0.40% ▼ 2.70% below California avg
View
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▼ 2.70% below avgNationally 2.88%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 8, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 8, 2026: 0.40% APYOct 8, 2026Oct 14, 2026
Universal Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.64%
2575 Colorado Blvd, Los Angeles, CA 90041
18 Month Business CERTIFICATE OF DEPOSIT (CD)
$0
0.35% ▼ 2.75% below California avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▼ 2.75% below avgNationally 2.88%
Details

Balance: $1,000-$9,999

Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 14, 2026

Los Angeles 24 Month CD Rates

California 24 Month CD Average2.98% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
24 Month CD
$500
4.40% ▲ 1.42% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
24 Month Performance CD
$0
4.35% ▲ 1.37% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
24 Month Certificate
$0
4.33% ▲ 1.35% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.35% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 21, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 21, 2026: 4.07% APYOct 9, 2026: 4.33% APYSep 21, 2026Oct 14, 2026
  • Oct 9, 20264.33%▲ from 4.07%
  • Sep 21, 20264.07%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
24-MONTH CD
$0
4.25% ▲ 1.27% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
24-MONTH IRA CD
$0
4.25% ▲ 1.27% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
24 Month Certificate
$0
4.23% ▲ 1.25% above California avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.25% above avgNationally 2.88%
Details

Balance: $500-$99,999

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.23% APYSep 21, 2026Oct 14, 2026
  • Oct 9, 20264.23%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus Certificates - 24 Month
$0
4.02% ▲ 1.04% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 1.04% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.04% above avgNationally 2.88%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
24 Month Term Certificates
$0
3.98% ▲ 1.00% above California avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.00% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Certificates - 24 Month
$0
3.86% ▲ 0.88% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 0.88% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
24 Month Term Certificates
$0
3.83% ▲ 0.85% above California avg
View
▼
Rate3.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.83% APY
3.33%3.83%4.33%Oct 12, 2026: 3.83% APYOct 12, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
24 Month IRA Certificates
$0
3.82% ▲ 0.84% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 0.84% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
University Credit Union Los Angeles, CA
Institution Rating:
A5.0 ★Texas Ratio: 13.27%
1500 S Sepulveda Blvd, Los Angeles, CA 90025
24-Month Lock and Roll
$0
3.75% ▲ 0.77% above California avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 0.77% above avgNationally 2.88%
Details

Promotional certificate; no maximum

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
IRA 24 Month Certificate
$1,000
3.70% ▲ 0.72% above California avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
24 Month Share Certificate
$0
3.65% ▲ 0.67% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 24 Months
$0
3.56% ▲ 0.58% above California avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.58% above avgNationally 2.88%
Details

> $90,000

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5300 Melrose Ave Ste 107, Los Angeles, CA 90038 5115
2 Year IRA Certificates
$1,000
3.55% ▲ 0.57% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.57% above avgNationally 2.88%
Details

Rate Type: Fixed; Maximum Balance: Unlimited

Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 12, 2026: 3.55% APYSep 12, 2026Oct 14, 2026
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5300 Melrose Ave Ste 107, Los Angeles, CA 90038 5115
2 Year Share Certificates
$1,000
3.55% ▲ 0.57% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.57% above avgNationally 2.88%
Details

Rate Type: Fixed; Maximum Balance: Unlimited

Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 12, 2026: 3.55% APYSep 12, 2026Oct 14, 2026
State Bank of India US
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
707 Wilshire Blvd, Los Angeles, CA 90017
2 Year IRA Certificate
$0
3.50% ▲ 0.52% above California avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 0.52% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4151 Prospect Ave, Los Angeles, CA 90027
Investment Share and IRA Certificates - 24 Months
$0
3.50% ▲ 0.52% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 0.52% above avgNationally 2.88%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
1.50%3.00%4.50%Sep 14, 2026: 2.50% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
University Credit Union Los Angeles, CA
Institution Rating:
A5.0 ★Texas Ratio: 13.27%
1500 S Sepulveda Blvd, Los Angeles, CA 90025
24-Month Bump-Up
$0
3.50% ▲ 0.52% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 0.52% above avgNationally 2.88%
Details

Promotional Bump-Up certificate; one-time rate increase available; no maximum

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
24 Month IRA Certificate
$0
3.45% ▲ 0.47% above California avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.98%▲ 0.47% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
24 Month Share Certificates
$0
3.45% ▲ 0.47% above California avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.98%▲ 0.47% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Share Certificate - 24 month
$100,000
3.41% ▲ 0.43% above California avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.43% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Traditional and Roth IRA Certificate - 24 month
$100,000
3.41% ▲ 0.43% above California avg
View
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.43% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 12, 2026: 3.41% APYOct 12, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
2 Year Jumbo Certificate
$0
3.35% ▲ 0.37% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.37% above avgNationally 2.88%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
2 Year Traditional/Roth IRA Share Certificate
$0
3.35% ▲ 0.37% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.37% above avgNationally 2.88%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 24 Months
$500
3.33% ▲ 0.35% above California avg
View
▼
Rate3.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.35% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.33% APY
2.83%3.33%3.83%Oct 12, 2026: 3.33% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Share Certificate - 24 month
$500
3.31% ▲ 0.33% above California avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.33% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
2.81%3.36%3.91%Sep 25, 2026: 3.41% APYOct 12, 2026: 3.31% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.31%▼ from 3.41%
  • Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Traditional and Roth IRA Certificate - 24 month
$500
3.31% ▲ 0.33% above California avg
View
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.33% above avgNationally 2.88%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 14, 2026
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
2130 E 1st St, Los Angeles, CA 90033 3958
IRA Certificate Accounts - 24 months
$0
3.25% ▲ 0.27% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.27% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 14, 2026
Water and Power Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1053 W Sunset Blvd, Los Angeles, CA 90012 2134
24 Month IRA Certificates
$0
3.25% ▲ 0.27% above California avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 0.27% above avgNationally 2.88%
Details

Balance: $1,000 to $9,999

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
2 Year Regular Certificate
$0
3.20% ▲ 0.22% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.22% above avgNationally 2.88%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
2 Year Traditional/Roth IRA Share Certificate
$0
3.20% ▲ 0.22% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.22% above avgNationally 2.88%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 8, 2026: 3.20% APYOct 8, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
24 Month CD
$1,000
3.15% ▲ 0.17% above California avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 8, 2026: 3.15% APYSep 8, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
24 Month IRA Certificate
$0
3.05% ▲ 0.07% above California avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.07% above avgNationally 2.88%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
Share Certificates - 24 months
$0
3.05% ▲ 0.07% above California avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.07% above avgNationally 2.88%
Details

Penalties may apply for early withdrawals

Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
Jumbo Term Share Certificates 2 Year
$100,000
3.05% ▲ 0.07% above California avg
View
▼
Rate3.01%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▲ 0.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 27, 2026: 3.05% APYSep 27, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
24 Month IRA CD
$1,000
3.00% ▲ 0.02% above California avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 0.02% above avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 8, 2026: 3.00% APYSep 8, 2026Oct 14, 2026
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
2130 E 1st St, Los Angeles, CA 90033 3958
24 Month Impact Certificate
$0
3.00% ▲ 0.02% above California avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 0.02% above avgNationally 2.88%
Details

24-month Impact Certificate; opened online; 2% of opening deposit donated to the organization selected (Center for Financial Empowerment or CA Wildfire Relief) over 12 months; donation forfeited on early withdrawal

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
24 Month Certificate
$50,000
2.95% ▼ 0.03% below California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.03% below avgNationally 2.88%
Details

Minimum Deposit and Balance $50,000

Rate History
No change since Oct 5, 2026 · 2.95% APY · checked 3 times
2.45%2.95%3.45%Oct 5, 2026: 2.95% APYOct 5, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
Term Share Certificates 2 Year
$1,000
2.95% ▼ 0.03% below California avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.98%▼ 0.03% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 2.95% APY · checked 3 times
2.45%2.95%3.45%Sep 27, 2026: 2.95% APYSep 27, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
24 Month Certificate
$25,000
2.90% ▼ 0.08% below California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.08% below avgNationally 2.88%
Details

Minimum Deposit and Balance $25,000

Rate History
No change since Oct 5, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 5, 2026: 2.90% APYOct 5, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
24 Month Certificate
$10,000
2.85% ▼ 0.13% below California avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.13% below avgNationally 2.88%
Details

Minimum Deposit and Balance $10,000

Rate History
No change since Oct 5, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Oct 5, 2026: 2.85% APYOct 5, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
928 S Broadway, Los Angeles, CA 90015
24 Month Certificate
$0
2.75% ▼ 0.23% below California avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 0.23% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
2 Year Business Jumbo Certificate
$0
2.75% ▼ 0.23% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▼ 0.23% below avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
24 Month Certificate
$1,000
2.75% ▼ 0.23% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.23% below avgNationally 2.88%
Details

Minimum Deposit and Balance $1,000

Rate History
No change since Oct 5, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 5, 2026: 2.75% APYOct 5, 2026Oct 14, 2026
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
5115 Wilshire Blvd STE F, Los Angeles, CA 90036 4366
24 Month IRA Certificate
$0
2.70% ▼ 0.28% below California avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▼ 0.28% below avgNationally 2.88%
Details

Dividends paid annually and at maturity

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 14, 2026
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
5115 Wilshire Blvd STE F, Los Angeles, CA 90036 4366
Promotional IRA Certificates / Roth / Educational IRA Certificates - 24 Months
$0
2.70% ▼ 0.28% below California avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.98%▼ 0.28% below avgNationally 2.88%
Details

Dividends paid annually and at maturity

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
2 Year Business Regular Certificate
$0
2.65% ▼ 0.33% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▼ 0.33% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 8, 2026: 2.65% APYOct 8, 2026Oct 14, 2026

Los Angeles 36 Month CD Rates

California 36 Month CD Average3.01% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
36 Month Deferred Compensation Certificate
$50
4.40% ▲ 1.39% above California avg
View
▼
Rate4.31%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
36-MONTH CD
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
36-MONTH IRA CD
$0
4.25% ▲ 1.24% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
36 Month Certificate
$0
4.07% ▲ 1.06% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.06% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.01% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.01% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 1.01% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.01% above avgNationally 2.81%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
36 Month Certificate
$0
3.97% ▲ 0.96% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.96% above avgNationally 2.81%
Details

Balance: $500-$99,999

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
36 Month IRA Certificates
$0
3.86% ▲ 0.85% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.85% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Certificates - 36 Month
$0
3.86% ▲ 0.85% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.85% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
IRA 36 Month Certificate
$1,000
3.70% ▲ 0.69% above California avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.69% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
36 Month Term Certificates
$0
3.66% ▲ 0.65% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 12, 2026: 3.66% APYOct 12, 2026Oct 14, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
36 Month Share Certificate
$0
3.65% ▲ 0.64% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.64% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
36 Month Term Certificates
$0
3.57% ▲ 0.56% above California avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.57% APY
3.07%3.57%4.07%Oct 12, 2026: 3.57% APYOct 12, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
36 Month IRA Certificate
$0
3.50% ▲ 0.49% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.01%▲ 0.49% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
36 Month Share Certificates
$0
3.50% ▲ 0.49% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.01%▲ 0.49% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
36 Month CD
$500
3.50% ▲ 0.49% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.49% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
36 Month Performance CD
$0
3.40% ▲ 0.39% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▲ 0.39% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5300 Melrose Ave Ste 107, Los Angeles, CA 90038 5115
3 Year IRA Certificates
$1,000
3.40% ▲ 0.39% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.39% above avgNationally 2.81%
Details

Rate Type: Fixed; Maximum Balance: Unlimited

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 14, 2026
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5300 Melrose Ave Ste 107, Los Angeles, CA 90038 5115
3 Year Share Certificates
$1,000
3.40% ▲ 0.39% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.39% above avgNationally 2.81%
Details

Rate Type: Fixed; Maximum Balance: Unlimited

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
36 Month Certificate
$50,000
3.40% ▲ 0.39% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.39% above avgNationally 2.81%
Details

Minimum Deposit and Balance $50,000

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 36 Months
$0
3.35% ▲ 0.34% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details

> $90,000

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Year Jumbo Certificate
$0
3.35% ▲ 0.34% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Year Traditional/Roth IRA Share Certificate
$0
3.35% ▲ 0.34% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
36 Month Certificate
$25,000
3.35% ▲ 0.34% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details

Minimum Deposit and Balance $25,000

Rate History
No change since Oct 5, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 5, 2026: 3.35% APYOct 5, 2026Oct 14, 2026
Water and Power Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1053 W Sunset Blvd, Los Angeles, CA 90012 2134
36 Month IRA Certificates
$0
3.35% ▲ 0.34% above California avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details

Balance: $1,000 to $9,999

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Share Certificate - 36 month
$100,000
3.31% ▲ 0.30% above California avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.30% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Traditional and Roth IRA Certificate - 36 month
$100,000
3.31% ▲ 0.30% above California avg
View
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.30% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 36 Months
$500
3.31% ▲ 0.30% above California avg
View
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.30% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
36 Month Certificate
$10,000
3.30% ▲ 0.29% above California avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.29% above avgNationally 2.81%
Details

Minimum Deposit and Balance $10,000

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 14, 2026
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
2130 E 1st St, Los Angeles, CA 90033 3958
IRA Certificate Accounts - 36 months
$0
3.25% ▲ 0.24% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
Jumbo Term Share Certificates 3 Year
$100,000
3.25% ▲ 0.24% above California avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Share Certificate - 36 month
$500
3.21% ▲ 0.20% above California avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.20% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
2.71%3.26%3.81%Sep 25, 2026: 3.31% APYOct 12, 2026: 3.21% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.21%▼ from 3.31%
  • Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Traditional and Roth IRA Certificate - 36 month
$500
3.21% ▲ 0.20% above California avg
View
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.20% above avgNationally 2.81%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
555 W 5th St, Los Angeles, CA 90013
36-Month CD
$500
3.20% ▲ 0.19% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details

Earn 3.20% APY on balances of $500 or more.

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Year Regular Certificate
$0
3.20% ▲ 0.19% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Year Traditional/Roth IRA Share Certificate
$0
3.20% ▲ 0.19% above California avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 8, 2026: 3.20% APYOct 8, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
36 Month Certificate
$1,000
3.20% ▲ 0.19% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details

Minimum Deposit and Balance $1,000

Rate History
No change since Oct 5, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 5, 2026: 3.20% APYOct 5, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
Term Share Certificates 3 Year
$1,000
3.15% ▲ 0.14% above California avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▲ 0.14% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 27, 2026: 3.15% APYSep 27, 2026Oct 14, 2026
State Bank of India US
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
707 Wilshire Blvd, Los Angeles, CA 90017
3 Year IRA Certificate
$0
3.00% ▼ 0.01% below California avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 0.01% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
36 Month IRA Certificate
$0
3.00% ▼ 0.01% below California avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▼ 0.01% below avgNationally 2.81%
Details

Penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
700 N Alameda St, Los Angeles, CA 90012 3352
Share Certificates - 36 months
$0
3.00% ▼ 0.01% below California avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▼ 0.01% below avgNationally 2.81%
Details

Penalties may apply for early withdrawals

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
3 Year Retirement Certificates
$0
2.85% ▼ 0.16% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 0.16% below avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
Retirement Certificates 3 Years
$100,000
2.85% ▼ 0.16% below California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 0.16% below avgNationally 2.81%
Details

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.

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
36 Month CD
$1,000
2.75% ▼ 0.26% below California avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 0.26% below avgNationally 2.81%
Details

Rate History
No change since Sep 8, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 8, 2026: 2.75% APYSep 8, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
36-month term
$0
2.75% ▼ 0.26% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 0.26% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
IRA Certificates (CDs) - 36-month term
$0
2.75% ▼ 0.26% below California avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 0.26% below avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 10, 2026: 2.75% APYOct 10, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Year Business Jumbo Certificate
$0
2.70% ▼ 0.31% below California avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 8, 2026: 2.70% APYOct 8, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
3 Year Retirement Certificates
$0
2.70% ▼ 0.31% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
Retirement Certificates 3 Years
$25,000
2.70% ▼ 0.31% below California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details

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.

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 6 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
3 Year Business Regular Certificate
$0
2.60% ▼ 0.41% below California avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 8, 2026: 2.60% APYOct 8, 2026Oct 14, 2026

Los Angeles 48 Month CD Rates

California 48 Month CD Average3.02% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
48-MONTH CD
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
48-MONTH IRA CD
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
48 Month Certificate
$0
4.07% ▲ 1.05% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.05% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 14, 2026
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
2130 E 1st St, Los Angeles, CA 90033 3958
IRA Certificate Accounts - 48 months
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
48 Month Certificate
$0
3.97% ▲ 0.95% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.95% above avgNationally 2.80%
Details

Balance: $500-$99,999

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus Certificates - 48 Month
$0
3.97% ▲ 0.95% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 0.95% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.95% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
48 Month IRA Certificates
$0
3.81% ▲ 0.79% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Certificates - 48 Month
$0
3.81% ▲ 0.79% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.79% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
IRA 48 Month Certificate
$1,000
3.75% ▲ 0.73% above California avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.73% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
48 Month Share Certificate
$0
3.70% ▲ 0.68% above California avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
48 Month Term Certificates
$0
3.66% ▲ 0.64% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 12, 2026: 3.66% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
48 Month Term Certificates
$0
3.57% ▲ 0.55% above California avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.55% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.57% APY
3.07%3.57%4.07%Oct 12, 2026: 3.57% APYOct 12, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
48 Month Certificate
$50,000
3.50% ▲ 0.48% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.48% above avgNationally 2.80%
Details

Minimum Deposit and Balance $50,000

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
48 Month IRA Certificate
$0
3.50% ▲ 0.48% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.02%▲ 0.48% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
48 Month Share Certificates
$0
3.50% ▲ 0.48% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.02%▲ 0.48% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
Jumbo Term Share Certificates 4 Year
$100,000
3.50% ▲ 0.48% above California avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.48% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
48 Month Certificate
$25,000
3.45% ▲ 0.43% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.43% above avgNationally 2.80%
Details

Minimum Deposit and Balance $25,000

Rate History
No change since Oct 5, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Oct 5, 2026: 3.45% APYOct 5, 2026Oct 14, 2026
Water and Power Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1053 W Sunset Blvd, Los Angeles, CA 90012 2134
48 Month IRA Certificates
$0
3.45% ▲ 0.43% above California avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.43% above avgNationally 2.80%
Details

Balance: $1,000 to $9,999

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
48 Month Performance CD
$0
3.40% ▲ 0.38% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▲ 0.38% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
4 Year Jumbo Certificate
$0
3.40% ▲ 0.38% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.38% above avgNationally 2.80%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 25, 2026: 3.40% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
4 Year Traditional/Roth IRA Share Certificate
$0
3.40% ▲ 0.38% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.38% above avgNationally 2.80%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 8, 2026: 3.40% APYOct 8, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
48 Month Certificate
$10,000
3.40% ▲ 0.38% above California avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.38% above avgNationally 2.80%
Details

Minimum Deposit and Balance $10,000

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
Term Share Certificates 4 Year
$1,000
3.40% ▲ 0.38% above California avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.38% above avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 27, 2026: 3.40% APYSep 27, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 48 Months
$0
3.35% ▲ 0.33% above California avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.33% above avgNationally 2.80%
Details

> $90,000

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 48 Months
$500
3.31% ▲ 0.29% above California avg
View
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.29% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.31% APY
2.81%3.31%3.81%Oct 12, 2026: 3.31% APYOct 12, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
48 Month Certificate
$1,000
3.30% ▲ 0.28% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 0.28% above avgNationally 2.80%
Details

Minimum Deposit and Balance $1,000

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
4 Year Regular Certificate
$0
3.25% ▲ 0.23% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.23% above avgNationally 2.80%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
4 Year Traditional/Roth IRA Share Certificate
$0
3.25% ▲ 0.23% above California avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.23% above avgNationally 2.80%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Share Certificate - 48 month
$100,000
3.21% ▲ 0.19% above California avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.19% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Jumbo Traditional and Roth IRA Certificate - 48 month
$100,000
3.21% ▲ 0.19% above California avg
View
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.19% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 3.21% APY
2.71%3.21%3.71%Oct 12, 2026: 3.21% APYOct 12, 2026Oct 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Share Certificate - 48 month
$500
3.11% ▲ 0.09% above California avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.09% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
2.61%3.16%3.71%Sep 25, 2026: 3.21% APYOct 12, 2026: 3.11% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.11%▼ from 3.21%
  • Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
11000 Wilshire Blvd, Los Angeles, CA 90024
Traditional and Roth IRA Certificate - 48 month
$500
3.11% ▲ 0.09% above California avg
View
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 0.09% above avgNationally 2.80%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 3.11% APY
2.61%3.11%3.61%Oct 12, 2026: 3.11% APYOct 12, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
555 W 5th St, Los Angeles, CA 90013
48-Month Certificate of Deposit
$500
3.05% ▲ 0.03% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▲ 0.03% above avgNationally 2.80%
Details

Earn 3.05% APY on balances of $500 or more. Account matures in 48 months. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 48-month term - regardless of changing interest rates. After 48 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
State Bank of India US
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
707 Wilshire Blvd, Los Angeles, CA 90017
4 Year IRA Certificate
$0
3.00% ▼ 0.02% below California avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 0.02% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5300 Melrose Ave Ste 107, Los Angeles, CA 90038 5115
4 Year IRA Certificates
$1,000
3.00% ▼ 0.02% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 0.02% below avgNationally 2.80%
Details

Rate Type: Fixed; Maximum Balance: Unlimited

Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Oct 14, 2026
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
5300 Melrose Ave Ste 107, Los Angeles, CA 90038 5115
4 Year Share Certificates
$1,000
3.00% ▼ 0.02% below California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 0.02% below avgNationally 2.80%
Details

Rate Type: Fixed; Maximum Balance: Unlimited

Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
48-month term
$0
2.90% ▼ 0.12% below California avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 0.12% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
IRA Certificates (CDs) - 48-month term
$0
2.90% ▼ 0.12% below California avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 0.12% below avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 10, 2026: 2.90% APYOct 10, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1875 Century Park E, Los Angeles, CA 90067
48 Month CD
$500
2.75% ▼ 0.27% below California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 0.27% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 6, 2026: 2.75% APYOct 6, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
4 Year Business Jumbo Certificate
$0
2.65% ▼ 0.37% below California avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 0.37% below avgNationally 2.80%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 8, 2026: 2.65% APYOct 8, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
48-month term Standard CD
$0
2.64% ▼ 0.38% below California avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 0.38% below avgNationally 2.80%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 2.64% APY · checked 4 times
2.14%2.64%3.14%Sep 27, 2026: 2.64% APYSep 27, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
4501 Colorado Blvd, Los Angeles, CA 90039
IRA Certificates (CDs) - 48-month term
$0
2.64% ▼ 0.38% below California avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▼ 0.38% below avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 2.64% APY
2.14%2.64%3.14%Oct 10, 2026: 2.64% APYOct 10, 2026Oct 14, 2026
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
201 N Los Angeles St, Los Angeles, CA 90012
48 Month Share Certificate - Gold Relationship or Jumbo Certificate
$100,000
2.63% ▼ 0.39% below California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 0.39% below avgNationally 2.80%
Details

$100,000 minimum opening deposit, for Consumer & Business Accounts.

Rate History
No change since Oct 8, 2026 · 2.63% APY · checked 2 times
2.13%2.63%3.13%Oct 8, 2026: 2.63% APYOct 8, 2026Oct 14, 2026
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
201 N Los Angeles St, Los Angeles, CA 90012
48 Month Share Certificate - Silver Relationship or Senior Member
$0
2.58% ▼ 0.44% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 0.44% below avgNationally 2.80%
Details

Members age 60+

Rate History
No change since Oct 8, 2026 · 2.58% APY · checked 2 times
2.08%2.58%3.08%Oct 8, 2026: 2.58% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
4 Year Business Regular Certificate
$0
2.55% ▼ 0.47% below California avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 0.47% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 8, 2026: 2.55% APYOct 8, 2026Oct 14, 2026
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
201 N Los Angeles St, Los Angeles, CA 90012
48 Month Share Certificate - Bronze Relationship or Business Account
$0
2.53% ▼ 0.49% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 0.49% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 8, 2026: 2.53% APYOct 8, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
4 Year Business CDs
$0
2.50% ▼ 0.52% below California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 0.52% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
928 S Broadway, Los Angeles, CA 90015
48 Month Certificate
$0
2.50% ▼ 0.52% below California avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 0.52% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
4001 S Figueroa St, Los Angeles, CA 90037
48 Month CD
$1,000
2.25% ▼ 0.77% below California avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 0.77% below avgNationally 2.80%
Details

Rate History
No change since Sep 8, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 8, 2026: 2.25% APYSep 8, 2026Oct 14, 2026

Los Angeles 60 Month CD Rates

California 60 Month CD Average3.22% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Deferred Compensation Certificate
$50
4.50% ▲ 1.28% above California avg
View
▼
Rate4.40%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month IRA Certificate
$0
4.40% ▲ 1.18% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.18% above avgNationally 2.91%
Details

Traditional and Roth IRA; Jumbo

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Traditional IRA Certificate
$0
4.40% ▲ 1.18% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.18% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month IRA Certificate
$0
4.35% ▲ 1.13% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.13% above avgNationally 2.91%
Details

Traditional and Roth IRA; Jumbo

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Traditional IRA Certificate
$0
4.35% ▲ 1.13% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.13% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month IRA Certificate
$0
4.30% ▲ 1.08% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details

Traditional and Roth IRA

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.30%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Share Certificate
$0
4.30% ▲ 1.08% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Traditional IRA Certificate
$0
4.30% ▲ 1.08% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 14, 2026
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
60-MONTH CD
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
10861 Weyburn Ave, Los Angeles, CA 90024
60-MONTH IRA CD
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
2130 E 1st St, Los Angeles, CA 90033 3958
IRA Certificate Accounts - 60 months
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 12, 2026: 4.25% APYSep 12, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month IRA Certificate
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

Traditional and Roth IRA

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Share Certificate
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Traditional IRA Certificate
$0
4.25% ▲ 1.03% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month IRA Certificate
$0
4.20% ▲ 0.98% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.98% above avgNationally 2.91%
Details

Traditional and Roth IRA

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Share Certificate
$0
4.20% ▲ 0.98% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.98% above avgNationally 2.91%
Details

Balance tier: $50,000 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Traditional IRA Certificate
$0
4.20% ▲ 0.98% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.98% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 14, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Share Certificate
$0
4.15% ▲ 0.93% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.93% above avgNationally 2.91%
Details

Balance tier: $20,000 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 14, 2026: 3.95% APYSep 29, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.15%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5359 W Centinela Ave, Los Angeles, CA 90045
60 Month Share Certificate
$0
4.10% ▲ 0.88% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.88% above avgNationally 2.91%
Details

Balance tier: $500 Minimum Balance

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYSep 29, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
60 Month Certificate
$0
4.07% ▲ 0.85% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.85% above avgNationally 2.91%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
5 Year Retirement Certificates
$0
4.05% ▲ 0.83% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.83% above avgNationally 2.91%
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
Retirement Certificates 5 Years
$100,000
4.05% ▲ 0.83% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.83% above avgNationally 2.91%
Details

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.

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.78% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.78% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.78% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.78% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
2445 MARIONDALE AVE, LOS ANGELES, CA 90032
60 Month Certificate
$0
3.97% ▲ 0.75% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.75% above avgNationally 2.91%
Details

Balance: $500-$99,999

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
5 Year Retirement Certificates
$0
3.90% ▲ 0.68% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.68% above avgNationally 2.91%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
Retirement Certificates 5 Years
$25,000
3.90% ▲ 0.68% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.68% above avgNationally 2.91%
Details

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.

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
60 Month Certificate
$50,000
3.85% ▲ 0.63% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.63% above avgNationally 2.91%
Details

Minimum Deposit and Balance $50,000

Rate History
No change since Oct 5, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 5, 2026: 3.85% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
60 Month IRA Certificates
$0
3.84% ▲ 0.62% above California avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.62% above avgNationally 2.91%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
1 Gateway Plz, Los Angeles, CA 90012 3745
Certificates - 60 Month
$0
3.84% ▲ 0.62% above California avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.62% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
60 Month Certificate
$25,000
3.80% ▲ 0.58% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.58% above avgNationally 2.91%
Details

Minimum Deposit and Balance $25,000

Rate History
No change since Oct 5, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 5, 2026: 3.80% APYOct 5, 2026Oct 14, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
IRA 60 Month Certificate
$1,000
3.80% ▲ 0.58% above California avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.58% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
60 Month Certificate
$10,000
3.75% ▲ 0.53% above California avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.53% above avgNationally 2.91%
Details

Minimum Deposit and Balance $10,000

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
5 Year Retirement Certificates
$0
3.75% ▲ 0.53% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.53% above avgNationally 2.91%
Details

Balance: $1,000 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
5555 Melrose Ave, Los Angeles, CA 90038 3989
Retirement Certificates 5 Years
$1,000
3.75% ▲ 0.53% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.53% above avgNationally 2.91%
Details

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.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
Jumbo Term Share Certificates 5 Year
$100,000
3.75% ▲ 0.53% above California avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.53% above avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3720 S Flower St FL 4, Los Angeles, CA 90089
60 Month Share Certificate
$0
3.75% ▲ 0.53% above California avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.53% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
5757 Wilshire Blvd Ste 124, Los Angeles, CA 90036 3792
60 Month Certificate
$1,000
3.65% ▲ 0.43% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.43% above avgNationally 2.91%
Details

Minimum Deposit and Balance $1,000

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 14, 2026
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
300 N Los Angeles St Ste 1244, Los Angeles, CA 90012 3336
Term Share Certificates 5 Year
$1,000
3.65% ▲ 0.43% above California avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.43% above avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 27, 2026: 3.65% APYSep 27, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
60 Month Term Certificates
$0
3.61% ▲ 0.39% above California avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.39% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 12, 2026: 3.61% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 60 Months
$0
3.61% ▲ 0.39% above California avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.39% above avgNationally 2.91%
Details

> $90,000

Rate History
No change since Oct 12, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 12, 2026: 3.61% APYOct 12, 2026Oct 14, 2026
Water and Power Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1053 W Sunset Blvd, Los Angeles, CA 90012 2134
60 Month IRA Certificates
$0
3.55% ▲ 0.33% above California avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.22%▲ 0.33% above avgNationally 2.91%
Details

Balance: $1,000 to $9,999

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
60 Month IRA Certificate
$0
3.50% ▲ 0.28% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.22%▲ 0.28% above avgNationally 2.91%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
8632 S Sepulveda Blvd, Los Angeles, CA 90045 4015
60 Month Share Certificates
$0
3.50% ▲ 0.28% above California avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average3.22%▲ 0.28% above avgNationally 2.91%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
4151 Prospect Ave, Los Angeles, CA 90027
Investment Share and IRA Certificates - 60 Months
$0
3.50% ▲ 0.28% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.28% above avgNationally 2.91%
Details

Rates accurate as of 9/23/26; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50%
1.50%3.00%4.50%Sep 14, 2026: 2.50% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.50%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
60 Month Term Certificates
$0
3.46% ▲ 0.24% above California avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.24% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 12, 2026: 3.46% APYOct 12, 2026Oct 14, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
850 W CESAR E CHAVEZ AVE, LOS ANGELES, CA 90012 2131
Traditional Certificates - 60 Months
$0
3.46% ▲ 0.24% above California avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.24% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 12, 2026: 3.46% APYOct 12, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
5 Year Jumbo Certificate
$0
3.45% ▲ 0.23% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.23% above avgNationally 2.91%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2365 E Century Blvd Ste 3B, Los Angeles, CA 90002
5 Year Traditional/Roth IRA Share Certificate
$0
3.45% ▲ 0.23% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.23% above avgNationally 2.91%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3640 Wilshire Blvd, Los Angeles, CA 90010
3.5-Year Bump Rate CD
$0
3.40% ▲ 0.18% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▲ 0.18% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Los Angeles, California Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Vio Bank
24 Month CD
A+ 5.0 ★ TX: 4.93%
Min: $500
4.40%
EverBank
24 Month Performance CD
A+ 5.0 ★ TX: 5.00%
Min: $0
4.35%
Poppy Bank
12-MONTH CD
B+ 4.8 ★ TX: 16.92%
Min: $0
4.25%
GBC International Bank
18 Month Platinum TCD
A+ 5.0 ★ TX: 0.00%
Min: $0
4.18%
First Bank Creve Coeur, MO
18-Month Variable Rate IRA
A+ 5.0 ★ TX: 2.49%
Min: $0
4.17%
CU Top 5 Credit Union Rates
Schools Federal Credit Union
12 Month Relationship Certificate
A+ 5.0 ★ TX: 1.87%
Min: $0
5.90%
LA Healthcare Federal Credit Union
12 Month Certificates
A+ 5.0 ★ TX: 3.47%
Min: $0
5.00%
Kinecta Federal Credit Union
18-Month Promo Certificate
A+ 5.0 ★ TX: 3.82%
Min: $100,000
4.50%
SchoolsFirst Federal Credit Union
60 Month Deferred Compensation Certificate
A+ 5.0 ★ TX: 5.56%
Min: $50
4.50%
Cal State L.A. Federal Credit Union
24 Month Certificate
A+ 5.0 ★ TX: 3.88%
Min: $0
4.33%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Los Angeles, CA CD Rate Trends

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.

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

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

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

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

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

CA CD Rate Forecast, Next 12 Months

Where are California CD rates headed through October 2027?

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

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

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

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

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

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

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What Your Savings Earn at CA CD Rates Today

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

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

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

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

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

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3,220
CD Rates
Tracked in Los Angeles, California
28 Banks 62 Credit Unions

About Our Los Angeles, California CD Rate Database

MonitorBankRates tracks 3,220 CD rates from 28 banks and 62 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: 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.

How to Find the Best CD Rates 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 62 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Los Angeles, California

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Los Angeles, California: 90 institutions here report CD rates

Consider an Alternative If…

Los Angeles, California Financial Snapshot

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

Population 65+
14.2%
National avg: 17.3%
Median Individual Earnings
$41,828
National avg: $47,340
Poverty Rate
16.5%
National avg: 11.1%
Unemployment Rate
8.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$131/yr
At CA 12-mo avg 3.137% APY

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 3.137%, saving 10% of the local median salary ($4,182/year) and putting it in a CD would earn an additional $131 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Los Angeles, California

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

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

How Certificates of Deposit Work in Los Angeles, California

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in 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.

Choosing a CD Term in Los Angeles, California

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Los Angeles, California savers easier access to their funds. For example, Poppy Bank is offering its 6-MONTH CD at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SchoolsFirst Federal Credit Union is offering its 60 Month Deferred Compensation Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Los Angeles, California Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a 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.

How CD Interest Is Paid in Los Angeles, California

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Los Angeles, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Los Angeles, California

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.

Frequently Asked Questions about CD Rates in Los Angeles, California

Are CD rates in Los Angeles, California FDIC insured?

Yes, most established banks in Los Angeles, 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 Los Angeles, 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 Los Angeles, 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 Los Angeles, 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 Los Angeles, California?

Here are recent top rates found for this area:
  • Schools Federal Credit Union: 5.90% APY (12 Month Relationship Certificate)
  • LA Healthcare Federal Credit Union: 5.00% APY (12 Month Certificates)
  • Kinecta Federal Credit Union: 4.50% APY (18-Month Promo Certificate)
  • SchoolsFirst Federal Credit Union: 4.50% APY (60 Month Deferred Compensation Certificate)
  • Vio Bank: 4.40% APY (24 Month CD)
  • EverBank: 4.35% APY (24 Month Performance CD)
  • Cal State L.A. Federal Credit Union: 4.33% APY (24 Month Certificate)
  • Poppy Bank: 4.25% APY (12-MONTH CD)
  • Rize Federal Credit Union: 4.25% APY (IRA Certificate Accounts - 60 months)
  • GBC International Bank: 4.18% APY (18 Month Platinum TCD)
Rates reflect recent verified offers available in Los Angeles, California. Last Updated: October 13, 2026

Los Angeles, California CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Los Angeles, California CD Rates by Term

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

CD Calculators for Los Angeles, California

Los Angeles, California CD Calculator

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 Ladder

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

Early Withdrawal Penalty

Before locking into a Los Angeles, California CD at 5.90% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

California’s average 12-month CD is 3.137% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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.

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

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