Newport Beach, California Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Newport Beach, California CD rates range from 0.02% to 5.90% APY, verified by MonitorBankRates as of October 14, 2026. Current Newport Beach, California CD rates include Kinecta Federal Credit UnionKinecta Federal Credit Union4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660A+5.0 ★Texas Ratio: 3.82%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month Promo Certificate at 4.50% APY, Vio BankVio Bank680 Newport Center Dr, Newport Beach, CA 92660A+5.0 ★Texas Ratio: 4.93%Real return: +1.60%APY minus CPI (February 2026) offering 24 Month Certificate of Deposit (CD) at 4.40% APY, Flagstar Bank, National AssociationFlagstar Bank, National Association100 Bayview Cir, Newport Beach, CA 92660D3.3 ★Texas Ratio: 35.11%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month Business CD at 4.30% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO4301 Macarthur Blvd, Newport Beach, CA 92660A+5.0 ★Texas Ratio: 2.49%Real return: +1.37%APY minus CPI (February 2026) offering 18-Month Variable Rate IRA at 4.17% APY, and City National BankCity National Bank500 Newport Center Dr, Newport Beach, CA 92660A+5.0 ★Texas Ratio: 5.55%Real return: +1.31%APY minus CPI (February 2026) offering Special 12-Month Fixed Rate at 4.11% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Newport Beach has 261 local institutions in our database, with CD rates as high as 4.50% APY from Kinecta Federal Credit Union at 4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Newport Beach, California & the Surrounding Area
Newport Beach 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
3 Month Share Certificates
$0
3.70%
▲ 1.33% above California avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.33% above avgNationally 2.09%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
- Oct 14, 20263.70%▲ from 3.35%
- Sep 14, 20263.35%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
3 Month Share Certificates - Gold
$0
3.65%
▲ 1.28% above California avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
3 Month Share Certificates - Silver
$0
3.60%
▲ 1.23% above California avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
3 Month Share Certificates - Bronze
$0
3.55%
▲ 1.18% above California avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.18% above avgNationally 2.09%
Details
Balance tier: $2,500 Minimum; footnote: for the 3 month Bronze Share Certificate, only a minimum deposit of $1,000 is required; unlimited add on deposits allowed on the 3 month certificate only
Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Month Jumbo Certificate
$0
2.60%
▲ 0.23% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Month Traditional/Roth IRA Share Certificate
$0
2.60%
▲ 0.23% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Month Business Jumbo Certificate
$0
2.50%
▲ 0.13% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Month Regular Certificate
$0
2.50%
▲ 0.13% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Month Traditional/Roth IRA Share Certificate
$0
2.50%
▲ 0.13% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Month Business Regular Certificate
$0
2.40%
▲ 0.03% above California avg
▼
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
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4301 Macarthur Blvd, Newport Beach, CA 92660
3-Month CD
$0
2.00%
▼ 0.37% below California avg
▼
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
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
3 Month Certificate
$1,000
0.50%
▼ 1.87% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▼ 1.87% below avgNationally 2.09%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
3 Month Certificate
$1,000
0.25%
▼ 2.12% below California avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▼ 2.12% below avgNationally 2.09%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
3 Month Certificate
$1,000
0.10%
▼ 2.27% below California avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2750 W Coast Hwy, Newport Beach, CA 92663
3 month Standard Fixed Rate
$2,500
0.06%
▼ 2.31% below California avg
▼
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2750 W Coast Hwy, Newport Beach, CA 92663
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.31% below California avg
▼
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; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2750 W Coast Hwy, Newport Beach, CA 92663
3 month Standard Fixed Rate
$2,500
0.05%
▼ 2.32% below California avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.32% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
3 Month Standard CD
$1,000
0.05%
▼ 2.32% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
3 Month Certificate
$1,000
0.03%
▼ 2.34% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▼ 2.34% below avgNationally 2.09%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.03% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.21% above California avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▲ 2.21% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3-MONTH CD
$0
4.25%
▲ 1.88% above California avg
▼
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%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
4.25%
▲ 1.88% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.88% above avgNationally 2.09%
Details
Term: 3 Months with Epic Premium Checking; Epic Premium Checking relationship rate
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.63% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.63% above avgNationally 2.09%
Details
No minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00%
▲ 1.63% above California avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.37%▲ 1.63% above avgNationally 2.09%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 3 Month
$1,000
4.00%
▲ 1.63% above California avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.63% above avgNationally 2.09%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.00% APY
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
3 Month Jumbo Certificates of Deposit
$0
3.98%
▲ 1.61% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▲ 1.61% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.98% APY · checked 5 times
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
3 Month Mini Money Maker Certificate of Deposit
$2,000
3.98%
▲ 1.61% above California avg
▼
Rate3.90%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▲ 1.61% above avgNationally 2.09%
Details
Balance: $2,000.00 to $9,999.99
Rate History
No change since Oct 7, 2026 · 3.98% APY · checked 2 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.48% above California avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
California Average2.37%▲ 1.48% above avgNationally 2.09%
Details
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.43% above California avg
▼
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
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.75%
▲ 1.38% above California avg
▼
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%
- Oct 2, 20263.75%▲ from 3.50%
- Sep 8, 20263.50%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
3.75%
▲ 1.38% above California avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details
Rate History
1 change since Sep 25, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.75%▲ from 3.50%
- Sep 25, 20263.50%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
3 month Certificate - Rewards+ Loyalty Program
$500
3.75%
▲ 1.38% above California avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 3.75% APY
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70%
▲ 1.33% above California avg
▼
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
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
3.65%
▲ 1.28% above California avg
▼
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%
- Oct 7, 20263.65%▼ from 4.50%
- Sep 14, 20264.50%first recorded
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
90 Day Certificate Account and IRA Account
$0
3.65%
▲ 1.28% above California avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Balance: $10,000.00 and over; $100,000 per member maximum
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate Account and IRA Account - 90 Days
$0
3.65%
▲ 1.28% above California avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Balance: $10,000 and over; $100,000 per member maximum
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.65% ▲ 0.24 pts · high 3.65% / low 3.41%
- Oct 13, 20263.65%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Liquid Certificate - 3 Month
$95,000
3.65%
▲ 1.28% above California avg
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Effective Date: 09/01/2026; Requires $95,000 of New-to-Tech CU money; $95,000 must be maintained to earn APY
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Liquid Certificate - 3 Month
$1,000
3.65%
▲ 1.28% above California avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Effective Date: 09/01/2026; APY available on minimum $1,000 of new-to-Tech CU money; penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CD
$0
3.60%
▲ 1.23% above California avg
▼
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
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60%
▲ 1.23% above California avg
▼
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
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60%
▲ 1.23% above California avg
▼
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
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month IRA Pick-A-Term
$10,000
3.60%
▲ 1.23% above California avg
▼
Rate3.54%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details
IRA Pick-A-Term Certificates; Limited time offer; dividend rates fixed for the term and not tiered; Disclaimers: AA, C, G, MM
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month Pick-A-Term
$0
3.60%
▲ 1.23% above California avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details
Limited time offer; Dividend rates fixed for the term; Minimum opening deposit $10,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
Share Certificates - 3 month
$1,000
3.60%
▲ 1.23% above California avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details
Maximum deposit $500,000 per account and household; penalties for early withdrawal may apply
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.18% above California avg
▼
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
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.50%
▲ 1.13% above California avg
▼
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
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month IRA CD (91-Day)
$1,000
3.50%
▲ 1.13% above California avg
▼
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
Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3 Month Certificate
$0
3.50%
▲ 1.13% above California avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.13% above avgNationally 2.09%
Details
Rate History
1 change since Oct 8, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 12, 20263.50%▲ from 3.25%
- Oct 8, 20263.25%first recorded
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$1,000
3.50%
▲ 1.13% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.13% above avgNationally 2.09%
Details
APY $500: N/A; APY $1,000+: 3.50%; APY $100,000+: 3.50%
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
Newport Beach 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 Bayview Cir, Newport Beach, CA 92660
6-Month Business CD
$2,500
4.10%
▲ 1.17% above California avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.17% above avgNationally 2.77%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.10% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 Bayview Cir, Newport Beach, CA 92660
6-Month CD
$2,500
4.10%
▲ 1.17% above California avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.17% above avgNationally 2.77%
Details
Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
500 Newport Center Dr, Newport Beach, CA 92660
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.07% above California avg
▼
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
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
6 Month IRA Certificates
$0
3.85%
▲ 0.92% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.92% above avgNationally 2.77%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Sep 27, 20263.85%▲ from 3.65%
- Sep 18, 20263.65%▲ from 3.55%
- Sep 14, 20263.55%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
6 Month Share Certificates
$0
3.85%
▲ 0.92% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.92% above avgNationally 2.77%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 14, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Newport Center Dr, Newport Beach, CA 92660
6 Month Certificate of Deposit (CD)
$0
3.85%
▲ 0.92% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.92% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
6 Month IRA Certificates - Gold
$0
3.80%
▲ 0.87% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.87% above avgNationally 2.77%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
6 Month Share Certificates - Gold
$0
3.80%
▲ 0.87% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.87% above avgNationally 2.77%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
6 Month IRA Certificates - Silver
$0
3.75%
▲ 0.82% above California avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
6 Month Share Certificates - Silver
$0
3.75%
▲ 0.82% above California avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.82% above California avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
6 Month IRA Certificates - Bronze
$100
3.70%
▲ 0.77% above California avg
▼
Rate3.63%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.77% above avgNationally 2.77%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.70% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
6 Month Share Certificates - Bronze
$0
3.70%
▲ 0.77% above California avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.77% above avgNationally 2.77%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.70% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
6 Month Jumbo Certificate
$0
2.90%
▼ 0.03% below California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
6 Month Traditional/Roth IRA Share Certificate
$0
2.90%
▼ 0.03% below California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
6 Month Business Jumbo Certificate
$0
2.75%
▼ 0.18% below California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
6 Month Regular Certificate
$0
2.75%
▼ 0.18% below California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
6 Month Traditional/Roth IRA Share Certificate
$0
2.75%
▼ 0.18% below California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
6 Month Business Regular Certificate
$0
2.65%
▼ 0.28% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 0.28% below avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 6 months
$500
1.25%
▼ 1.68% below California avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 1.68% below avgNationally 2.77%
Details
Balance: $500,000 or more
Rate History
1 change since Oct 2, 2026 · 0.65% → 1.25% ▲ 0.60 pts · high 1.25% / low 0.65%
- Oct 7, 20261.25%▲ from 0.65%
- Oct 2, 20260.65%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 6 months
$500
1.00%
▼ 1.93% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 1.93% below avgNationally 2.77%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Oct 2, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50%
- Oct 7, 20261.00%▲ from 0.50%
- Oct 2, 20260.50%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4301 Macarthur Blvd, Newport Beach, CA 92660
Business 6-Month
$0
1.00%
▼ 1.93% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.93%▼ 1.93% below avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
6 Month Certificate
$1,000
0.65%
▼ 2.28% below California avg
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.28% below avgNationally 2.77%
Details
Balance: $500,000 or more
Rate History
No change since Oct 7, 2026 · 0.65% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 6 months
$500
0.65%
▼ 2.28% below California avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.28% below avgNationally 2.77%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.65% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
6 Month Certificate
$1,000
0.50%
▼ 2.43% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.43% below avgNationally 2.77%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
6 Month Certificate
$1,000
0.45%
▼ 2.48% below California avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.48% below avgNationally 2.77%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.45% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
6 Month Certificate
$1,000
0.35%
▼ 2.58% below California avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.58% below avgNationally 2.77%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 6 months
$500
0.10%
▼ 2.83% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.83% below avgNationally 2.77%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 2, 2026 · 0.10% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2750 W Coast Hwy, Newport Beach, CA 92663
6 month Standard Fixed Rate
$2,500
0.06%
▼ 2.87% below California avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.87% below avgNationally 2.77%
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2750 W Coast Hwy, Newport Beach, CA 92663
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.87% below California avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.87% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2750 W Coast Hwy, Newport Beach, CA 92663
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.88% below California avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 6 months
$500
0.05%
▼ 2.88% below California avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details
Balance: $0.01-$99,999.99
Rate History
1 change since Oct 2, 2026 · 0.03% → 0.05% ▲ 0.02 pts · high 0.05% / low 0.03%
- Oct 7, 20260.05%▲ from 0.03%
- Oct 2, 20260.03%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.88% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
6 Month Standard CD
$1,000
0.05%
▼ 2.88% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
6 Month Certificate
$1,000
0.03%
▼ 2.90% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.93%▼ 2.90% below avgNationally 2.77%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.03% APY · checked 2 times
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
6 Month Certificate
$1,000
4.50%
▲ 1.57% above California avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 1.57% above avgNationally 2.77%
Details
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40%
▲ 1.47% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 1.47% above avgNationally 2.77%
Details
Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.37% above California avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.93%▲ 1.37% above avgNationally 2.77%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.30%
▲ 1.37% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 1.37% above avgNationally 2.77%
Details
Maximum opening deposit $500,000.00
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6-MONTH CD
$0
4.25%
▲ 1.32% above California avg
▼
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%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
IRA - 6-MONTH IRA CD
$1,000
4.25%
▲ 1.32% above California avg
▼
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
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
6 Month Term Share Certificate
$500
4.25%
▲ 1.32% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details
Term: 6 Months with Epic Premium Checking; Epic Premium Checking relationship rate
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6 Month Summer CD Special
$0
4.25%
▲ 1.32% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details
Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account; All regular certificates can be opened as IRA certificates, unless otherwise noted
Rate History
No change since Oct 13, 2026 · 4.25% APY
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6 Month Summer Certificate Specials - Term Certificate
$0
4.25%
▲ 1.32% above California avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details
Minimum balance $500 and above; limited-time summer special
Rate History
No change since Oct 13, 2026 · 4.25% APY
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
Certificate Account - 6 Month Promo
$500
4.25%
▲ 1.32% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 4.25% APY
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
6 month Certificate - Rewards+ Loyalty Program
$500
4.25%
▲ 1.32% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.25% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
6-Month Promotional IRA Share Certificate
$0
4.20%
▲ 1.27% above California avg
▼
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%
- Sep 29, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Share Certificate
$0
4.15%
▲ 1.22% above California avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.22% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
- Oct 13, 20264.15%▲ from 4.10%
- Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
6-Month Add-On Promotional Share Certificate
$0
4.10%
▲ 1.17% above California avg
▼
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%
- Oct 5, 20264.10%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10%
▲ 1.17% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.17% above avgNationally 2.77%
Details
Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 5, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Newport Beach 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 Bayview Cir, Newport Beach, CA 92660
12 Month Business CD
$500
4.30%
▲ 1.16% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.30% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 Bayview Cir, Newport Beach, CA 92660
12-Month CD
$500
4.30%
▲ 1.16% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details
Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Newport Center Dr, Newport Beach, CA 92660
12 Month Certificate of Deposit (CD)
$0
4.30%
▲ 1.16% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 10, 20264.30%▲ from 4.00%
- Sep 24, 20264.00%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
500 Newport Center Dr, Newport Beach, CA 92660
Special 12-Month Fixed Rate
$0
4.11%
▲ 0.97% above California avg
▼
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.86% above California avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
12 Month IRA Certificates
$0
3.95%
▲ 0.81% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.81% above avgNationally 2.99%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Sep 27, 20263.95%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
12 Month Share Certificates
$0
3.95%
▲ 0.81% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.81% above avgNationally 2.99%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60%
- Oct 14, 20263.95%▲ from 3.60%
- Sep 14, 20263.60%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
12 Month IRA Certificates - Gold
$0
3.90%
▲ 0.76% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.76% above avgNationally 2.99%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
12 Month Share Certificates - Gold
$0
3.90%
▲ 0.76% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.76% above avgNationally 2.99%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
12 Month IRA Certificates - Silver
$0
3.85%
▲ 0.71% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.71% above avgNationally 2.99%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
12 Month Share Certificates - Silver
$0
3.85%
▲ 0.71% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.71% above avgNationally 2.99%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
12 Month IRA Certificates - Bronze
$100
3.80%
▲ 0.66% above California avg
▼
Rate3.73%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.66% above avgNationally 2.99%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.80% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
12 Month Share Certificates - Bronze
$0
3.80%
▲ 0.66% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.66% above avgNationally 2.99%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.80% APY · checked 3 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Newport Center Dr, Newport Beach, CA 92660
1 Year Online CD
$0
3.25%
▲ 0.11% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.11% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
12 Month Jumbo Certificate
$0
3.25%
▲ 0.11% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
12 Month Traditional/Roth IRA Share Certificate
$0
3.25%
▲ 0.11% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
12 Month Regular Certificate
$0
3.10%
▼ 0.04% below California avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.04% below avgNationally 2.99%
Details
Regular
Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 4 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
12 Month Traditional/Roth IRA Share Certificate
$0
3.10%
▼ 0.04% below California avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.04% below avgNationally 2.99%
Details
Balance: Under $100,000
Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
12 Month Business Jumbo Certificate
$0
3.00%
▼ 0.14% below California avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.14% below avgNationally 2.99%
Details
Balance: $100,000+
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
12 Month Business Regular Certificate
$0
2.80%
▼ 0.34% below California avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.34% below avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 2.80% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
12-Month Liquid Certificate
$100
2.75%
▼ 0.39% below California avg
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 0.39% below avgNationally 2.99%
Details
Balance: $100 minimum opening balance
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
12 Month CD
$500
2.00%
▼ 1.14% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.14% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
12 Month Certificate
$1,000
1.75%
▼ 1.39% below California avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.39% below avgNationally 2.99%
Details
Balance: $500,000 or more
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 12 months
$500
1.75%
▼ 1.39% below California avg
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.39% below avgNationally 2.99%
Details
Balance: $500,000 or more
Rate History
1 change since Oct 2, 2026 · 1.25% → 1.75% ▲ 0.50 pts · high 1.75% / low 1.25%
- Oct 7, 20261.75%▲ from 1.25%
- Oct 2, 20261.25%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2750 W Coast Hwy, Newport Beach, CA 92663
1 year Standard Fixed Rate
$2,500
1.51%
▼ 1.63% below California avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.63% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
- Oct 7, 20261.51%▲ from 1.50%
- Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2750 W Coast Hwy, Newport Beach, CA 92663
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.63% below California avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.63% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Relationship APY 1.51%
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2750 W Coast Hwy, Newport Beach, CA 92663
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.64% below California avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.64% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
12 Month Certificate
$1,000
1.50%
▼ 1.64% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.64% below avgNationally 2.99%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 12 months
$500
1.50%
▼ 1.64% below California avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 1.64% below avgNationally 2.99%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Oct 2, 2026 · 1.00% → 1.50% ▲ 0.50 pts · high 1.50% / low 1.00%
- Oct 7, 20261.50%▲ from 1.00%
- Oct 2, 20261.00%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4301 Macarthur Blvd, Newport Beach, CA 92660
Business 12-Month
$0
1.00%
▼ 2.14% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.14%▼ 2.14% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
12 Month Certificate
$1,000
0.75%
▼ 2.39% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 12 months
$500
0.75%
▼ 2.39% below California avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details
Balance: $50,000-$99,999.99
Rate History
1 change since Oct 2, 2026 · 0.65% → 0.75% ▲ 0.10 pts · high 0.75% / low 0.65%
- Oct 7, 20260.75%▲ from 0.65%
- Oct 2, 20260.65%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.39% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
12 Month Standard CD
$1,000
0.75%
▼ 2.39% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
4695 Macarthur Ct, Newport Beach, CA 92660
1 Year Certificate
$0
0.50%
▼ 2.64% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 2.64% below avgNationally 2.99%
Details
Open online
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
12 Month Certificate
$1,000
0.35%
▼ 2.79% below California avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 2.79% below avgNationally 2.99%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
RampUp CD - 1-Year RampUp Plus
$25,000
0.25%
▼ 2.89% below California avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.89% below avgNationally 2.99%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 12 months
$500
0.10%
▼ 3.04% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 3.04% below avgNationally 2.99%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 2, 2026 · 0.10% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
12 Month Certificate
$1,000
0.05%
▼ 3.09% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 3.09% below avgNationally 2.99%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 12 months
$500
0.05%
▼ 3.09% below California avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▼ 3.09% below avgNationally 2.99%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 2, 2026 · 0.05% APY · checked 3 times
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
12 Month Relationship Certificate
$0
5.90%
▲ 2.76% above California avg
▼
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
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
12 Month Pathfinder Term Share Certificate
$100
5.00%
▲ 1.86% above California avg
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.86% above avgNationally 2.99%
Details
Balance: $100.00 - $4,999.99; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 4 times
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month Certificates
$0
5.00%
▲ 1.86% above California avg
▼
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%
- Oct 9, 20265.00%▲ from 2.00%
- Sep 18, 20262.00%first recorded
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month Certificates
$0
4.75%
▲ 1.61% above California avg
▼
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%
- Oct 9, 20264.75%▲ from 2.00%
- Sep 18, 20262.00%first recorded
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12-Month Certificate
$100
4.70%
▲ 1.56% above California avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.56% above avgNationally 2.99%
Details
Best rate on the page; the 12-Month Certificate rate shown includes a .50 bonus for active and engaged Loyalty+ members
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.70% ▲ 0.70 pts · high 4.70% / low 4.00%
- Sep 21, 20264.70%▲ from 4.00%
- Sep 14, 20264.00%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12 Month Certificate
$1,000
4.50%
▲ 1.36% above California avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month IRA Certificates
$500
4.50%
▲ 1.36% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 4, 20264.50%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 12 Month
$1,000
4.50%
▲ 1.36% above California avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.50% APY
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month Certificates
$0
4.50%
▲ 1.36% above California avg
▼
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%
- Oct 9, 20264.50%▲ from 2.00%
- Sep 18, 20262.00%first recorded
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term
$500
4.50%
▲ 1.36% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details
Balance: $500 (maximum principal balance)
Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 3 times
Newport Beach 18 Month CD Rates
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%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
18-Month Promo Certificate
$100,000
4.50%
▲ 1.40% above California avg
▼
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%
- 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%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
18-Month Promotional Certificate
$0
4.50%
▲ 1.40% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
18-Month Promo Certificate
$100
4.35%
▲ 1.25% above California avg
▼
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%
- 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%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
18-Month Promotional Certificate
$0
4.35%
▲ 1.25% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
Business 18-Month Promotional Certificate
$0
4.35%
▲ 1.25% above California avg
▼
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
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Newport Center Dr, Newport Beach, CA 92660
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.25% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 Bayview Cir, Newport Beach, CA 92660
18-Month CD
$500
4.25%
▲ 1.15% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
Business 18-Month Promotional Certificate
$0
4.20%
▲ 1.10% above California avg
▼
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
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4301 Macarthur Blvd, Newport Beach, CA 92660
18-Month Variable Rate IRA
$0
4.17%
▲ 1.07% above California avg
▼
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%
- Oct 3, 20264.17%▲ from 3.79%
- Sep 14, 20263.79%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
18 Month IRA Certificates
$0
4.00%
▲ 0.90% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.90% above avgNationally 2.88%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 27, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
18 Month Share Certificates
$0
4.00%
▲ 0.90% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.90% above avgNationally 2.88%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 14, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
18 Month IRA Certificates - Gold
$0
3.95%
▲ 0.85% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.85% above avgNationally 2.88%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
18 Month Share Certificates - Gold
$0
3.95%
▲ 0.85% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.85% above avgNationally 2.88%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
18 Month IRA Certificates - Silver
$0
3.90%
▲ 0.80% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.80% above avgNationally 2.88%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
18 Month Share Certificates - Silver
$0
3.90%
▲ 0.80% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.80% above avgNationally 2.88%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
18 Month IRA Certificates - Bronze
$100
3.85%
▲ 0.75% above California avg
▼
Rate3.78%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.75% above avgNationally 2.88%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
18 Month Share Certificates - Bronze
$0
3.85%
▲ 0.75% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.75% above avgNationally 2.88%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.35% below California avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 0.35% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
18 Month Certificate
$1,000
2.27%
▼ 0.83% below California avg
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 0.83% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 7, 2026 · 2.27% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
18 Month Certificate
$1,000
2.25%
▼ 0.85% below California avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 0.85% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 7, 2026 · 2.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 18 months
$500
2.02%
▼ 1.08% below California avg
▼
Rate2.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 1.08% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Oct 2, 2026 · 1.50% → 2.02% ▲ 0.52 pts · high 2.02% / low 1.50%
- Oct 7, 20262.02%▲ from 1.50%
- Oct 2, 20261.50%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 18 months
$500
2.00%
▼ 1.10% below California avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 1.10% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Oct 2, 2026 · 1.50% → 2.00% ▲ 0.50 pts · high 2.00% / low 1.50%
- Oct 7, 20262.00%▲ from 1.50%
- Oct 2, 20261.50%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
18 Month Certificate
$1,000
1.25%
▼ 1.85% below California avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 1.85% below avgNationally 2.88%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 18 months
$500
0.75%
▼ 2.35% below California avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 2, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.35% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
18 Month Standard CD
$1,000
0.75%
▼ 2.35% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
18 Month Certificate
$1,000
0.20%
▼ 2.90% below California avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 2.90% below avgNationally 2.88%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4301 Macarthur Blvd, Newport Beach, CA 92660
Business 18-Month
$0
0.15%
▼ 2.95% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.10%▼ 2.95% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
18 Month Certificate
$1,000
0.10%
▼ 3.00% below California avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 3.00% below avgNationally 2.88%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 18 months
$500
0.10%
▼ 3.00% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 3.00% below avgNationally 2.88%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 2, 2026 · 0.10% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 18 months
$500
0.05%
▼ 3.05% below California avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 3.05% below avgNationally 2.88%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 2, 2026 · 0.05% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
18 Month CD
$500
0.02%
▼ 3.08% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▼ 3.08% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
PARISHIONERS
Institution Rating:
B+4.7 ★Texas Ratio: 18.39%
18-Month Certificate
$0
4.50%
▲ 1.40% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.40% above avgNationally 2.88%
Details
Limited time only; Earn up to 4.50% APY
Rate History
No change since Oct 14, 2026 · 4.50% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.45%
▲ 1.35% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.35% above avgNationally 2.88%
Details
Senior
Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
- Oct 13, 20264.45%▲ from 4.25%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35%
▲ 1.25% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
- Oct 12, 20264.35%▲ from 4.25%
- Oct 3, 20264.25%▼ from 4.40%
- Sep 16, 20264.40%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month Share Certificate
$0
4.35%
▲ 1.25% above California avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 13, 20264.35%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35%
▲ 1.25% above California avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 13, 20264.35%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD
$500
4.35%
▲ 1.25% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Senior
Rate History
2 changes since Sep 21, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 4.15%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Month Business Certificate Specials
$500
4.30%
▲ 1.20% above California avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.20% above avgNationally 2.88%
Details
Minimum balance to obtain APY: $500; APY on the Certificate Special accurate as of 09-28-2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 1, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
18-MONTH CD
$0
4.25%
▲ 1.15% above California avg
▼
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%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
IRA - 18-MONTH IRA CD
$1,000
4.25%
▲ 1.15% above California avg
▼
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
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
18 Month Term Share Certificate
$500
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Term: 18 months with Epic Premium Checking; Epic Premium Checking relationship rate
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 18 Month
$1,000
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 1.15% above California avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25%
▲ 1.15% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
CD Special; Balance: $100,000+
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18-Months Promotional Term and IRA Certificates - 18 Months
$1,000
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Min. to Earn APY: $1,000; Promotional 18-month certificate automatically renews into a standard, non-promotional 24-month certificate at maturity; Early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 4.25% APY
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
18 month Certificate - Rewards+ Loyalty Program
$500
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.25% APY
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18%
▲ 1.08% above California avg
▼
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%
- Sep 19, 20264.18%▲ from 4.08%
- Sep 7, 20264.08%first recorded
Newport Beach 24 Month CD Rates
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%
680 Newport Center Dr, Newport Beach, CA 92660
24 Month Certificate of Deposit (CD)
$0
4.40%
▲ 1.42% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
100 Bayview Cir, Newport Beach, CA 92660
24-Month CD
$500
4.25%
▲ 1.27% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details
Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
24 Month IRA Certificates
$0
4.00%
▲ 1.02% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 27, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
24 Month Share Certificates
$0
4.00%
▲ 1.02% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 14, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
24 Month IRA Certificates - Gold
$0
3.95%
▲ 0.97% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.97% above avgNationally 2.88%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
24 Month Share Certificates - Gold
$0
3.95%
▲ 0.97% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.97% above avgNationally 2.88%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
24 Month IRA Certificates - Silver
$0
3.90%
▲ 0.92% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.92% above avgNationally 2.88%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
24 Month Share Certificates - Silver
$0
3.90%
▲ 0.92% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.92% above avgNationally 2.88%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
24 Month IRA Certificates - Bronze
$100
3.85%
▲ 0.87% above California avg
▼
Rate3.78%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.87% above avgNationally 2.88%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
24 Month Share Certificates - Bronze
$0
3.85%
▲ 0.87% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.87% above avgNationally 2.88%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
2 Year Jumbo Certificate
$0
3.35%
▲ 0.37% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
2 Year Traditional/Roth IRA Share Certificate
$0
3.35%
▲ 0.37% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
2 Year Regular Certificate
$0
3.20%
▲ 0.22% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
2 Year Traditional/Roth IRA Share Certificate
$0
3.20%
▲ 0.22% above California avg
▼
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
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Newport Center Dr, Newport Beach, CA 92660
2 Year Online CD
$0
3.00%
▲ 0.02% above California avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 0.02% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
2 Year Business Jumbo Certificate
$0
2.75%
▼ 0.23% below California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
2 Year Business Regular Certificate
$0
2.65%
▼ 0.33% below California avg
▼
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
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 24 months
$500
2.27%
▼ 0.71% below California avg
▼
Rate2.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 0.71% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Oct 2, 2026 · 2.00% → 2.27% ▲ 0.27 pts · high 2.27% / low 2.00%
- Oct 7, 20262.27%▲ from 2.00%
- Oct 2, 20262.00%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 24 months
$500
2.25%
▼ 0.73% below California avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 0.73% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Oct 2, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00%
- Oct 7, 20262.25%▲ from 2.00%
- Oct 2, 20262.00%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
24 Month Certificate
$1,000
1.50%
▼ 1.48% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 1.48% below avgNationally 2.88%
Details
Balance: $500,000 or more
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 24 months
$500
1.25%
▼ 1.73% below California avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 1.73% below avgNationally 2.88%
Details
Balance: $50,000-$99,999.99
Rate History
1 change since Oct 2, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
- Oct 7, 20261.25%▲ from 1.00%
- Oct 2, 20261.00%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
24 Month Certificate
$1,000
1.00%
▼ 1.98% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 1.98% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
24 Month Certificate
$1,000
0.75%
▼ 2.23% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.23% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
24 Month Standard CD
$1,000
0.75%
▼ 2.23% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
4695 Macarthur Ct, Newport Beach, CA 92660
2 Year Certificate
$0
0.70%
▼ 2.28% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 2.28% below avgNationally 2.88%
Details
Open online
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Jumbo CD - 2-Year Jumbo
$100,000
0.40%
▼ 2.58% below California avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.58% below avgNationally 2.88%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Term CD - 2-Year Term
$1,000
0.40%
▼ 2.58% below California avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.58% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
RampUp CD - 2-Year RampUp Plus
$25,000
0.25%
▼ 2.73% below California avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.73% below avgNationally 2.88%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
24 Month Certificate
$1,000
0.20%
▼ 2.78% below California avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 2.78% below avgNationally 2.88%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4301 Macarthur Blvd, Newport Beach, CA 92660
Business 24-Month
$0
0.20%
▼ 2.78% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.98%▼ 2.78% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
24 Month Certificate
$1,000
0.15%
▼ 2.83% below California avg
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 2.83% below avgNationally 2.88%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 24 months
$500
0.15%
▼ 2.83% below California avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 2.83% below avgNationally 2.88%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 2, 2026 · 0.15% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 24 months
$500
0.10%
▼ 2.88% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 2.88% below avgNationally 2.88%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 2, 2026 · 0.10% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
2 Year CD
$500
0.05%
▼ 2.93% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▼ 2.93% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2 Year Consumer Certificate of Deposit
$500
4.60%
▲ 1.62% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.62% above avgNationally 2.88%
Details
Maximum opening deposit $500,000.00
Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
- Oct 8, 20264.60%▲ from 4.40%
- Sep 14, 20264.40%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
24 Month Certificate
$1,000
4.50%
▲ 1.52% above California avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▲ 1.52% above avgNationally 2.88%
Details
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
24 month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.52% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.52% above avgNationally 2.88%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA Certificate 24 Month - Rewards+ Loyalty Program
$25
4.50%
▲ 1.52% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.52% above avgNationally 2.88%
Details
Rewards+ Loyalty Program rate; Minimum to earn dividend: $25; Available to open only during months when a Member is an active Rewards+ Loyalty Program Member; IRA fixed-term account; early withdrawal penalty may apply; Rates Effective as of: October 13, 2026
Rate History
No change since Oct 14, 2026 · 4.50% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45%
▲ 1.47% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.47% above avgNationally 2.88%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45%
▲ 1.47% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.47% above avgNationally 2.88%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Elite Jumbo CD
$250,000
4.45%
▲ 1.47% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.47% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- Oct 5, 20264.45%▲ from 4.10%
- Sep 21, 20264.10%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.40%
▲ 1.42% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40%
▲ 1.42% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.98%▲ 1.42% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CD
$0
4.35%
▲ 1.37% above California avg
▼
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
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35%
▲ 1.37% above California avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.37% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month Certificate
$0
4.33%
▲ 1.35% above California avg
▼
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%
- Oct 9, 20264.33%▲ from 4.07%
- Sep 21, 20264.07%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Share Certificate
$0
4.30%
▲ 1.32% above California avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.32% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Jumbo CD
$50,000
4.30%
▲ 1.32% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 1.32% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 5, 20264.30%▲ from 3.95%
- Sep 21, 20263.95%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
24-MONTH CD
$0
4.25%
▲ 1.27% above California avg
▼
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%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Newport Beach 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
36 Month IRA Certificates
$0
4.00%
▲ 0.99% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 27, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
36 Month Share Certificates
$0
4.00%
▲ 0.99% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 14, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
36 Month IRA Certificates - Gold
$0
3.95%
▲ 0.94% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
36 Month Share Certificates - Gold
$0
3.95%
▲ 0.94% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
36 Month IRA Certificates - Silver
$0
3.90%
▲ 0.89% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
36 Month Share Certificates - Silver
$0
3.90%
▲ 0.89% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
36 Month IRA Certificates - Bronze
$100
3.85%
▲ 0.84% above California avg
▼
Rate3.78%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.84% above avgNationally 2.81%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
36 Month Share Certificates - Bronze
$0
3.85%
▲ 0.84% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.84% above avgNationally 2.81%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Newport Center Dr, Newport Beach, CA 92660
36 Month Certificate of Deposit (CD)
$0
3.50%
▲ 0.49% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.49% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Year Jumbo Certificate
$0
3.35%
▲ 0.34% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Year Traditional/Roth IRA Share Certificate
$0
3.35%
▲ 0.34% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Year Regular Certificate
$0
3.20%
▲ 0.19% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Year Traditional/Roth IRA Share Certificate
$0
3.20%
▲ 0.19% above California avg
▼
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
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Newport Center Dr, Newport Beach, CA 92660
3 Year Online CD
$0
2.75%
▼ 0.26% below California avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 0.26% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Year Business Jumbo Certificate
$0
2.70%
▼ 0.31% below California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
3 Year Business Regular Certificate
$0
2.60%
▼ 0.41% below California avg
▼
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
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 36 months
$500
2.27%
▼ 0.74% below California avg
▼
Rate2.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 0.74% below avgNationally 2.81%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Oct 2, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25%
- Oct 7, 20262.27%▲ from 2.25%
- Oct 2, 20262.25%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 36 months
$500
2.25%
▼ 0.76% below California avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 0.76% below avgNationally 2.81%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 2, 2026 · 2.25% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
36 Month Certificate
$1,000
1.50%
▼ 1.51% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 1.51% below avgNationally 2.81%
Details
Balance: $500,000 or more
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 36 months
$500
1.25%
▼ 1.76% below California avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 1.76% below avgNationally 2.81%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 2, 2026 · 1.25% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
36 Month Certificate
$1,000
1.00%
▼ 2.01% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 2.01% below avgNationally 2.81%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
36 Month Certificate
$1,000
0.75%
▼ 2.26% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
4695 Macarthur Ct, Newport Beach, CA 92660
3 Year Certificate
$0
0.75%
▼ 2.26% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Open online
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.26% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
36 Month Standard CD
$1,000
0.75%
▼ 2.26% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Jumbo CD - 3-Year Jumbo
$100,000
0.40%
▼ 2.61% below California avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Term CD - 3-Year Term
$1,000
0.40%
▼ 2.61% below California avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4301 Macarthur Blvd, Newport Beach, CA 92660
Business 36-Month
$0
0.35%
▼ 2.66% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.01%▼ 2.66% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
36 Month Certificate
$1,000
0.25%
▼ 2.76% below California avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
RampUp CD - 3-Year RampUp
$25,000
0.25%
▼ 2.76% below California avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
36 Month Certificate
$1,000
0.15%
▼ 2.86% below California avg
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 2.86% below avgNationally 2.81%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 36 months
$500
0.15%
▼ 2.86% below California avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 2.86% below avgNationally 2.81%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 2, 2026 · 0.15% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 36 months
$500
0.10%
▼ 2.91% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 2.91% below avgNationally 2.81%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 2, 2026 · 0.10% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
3 Year CD
$500
0.05%
▼ 2.96% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.01%▼ 2.96% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
36 Month Certificate
$1,000
4.50%
▲ 1.49% above California avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50%
▲ 1.49% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
36 month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.49% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA Certificate 36 Month - Rewards+ Loyalty Program
$25
4.50%
▲ 1.49% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details
Rewards+ Loyalty Program rate; Minimum to earn dividend: $25; Available to open only during months when a Member is an active Rewards+ Loyalty Program Member; IRA fixed-term account; early withdrawal penalty may apply; Rates Effective as of: October 13, 2026
Rate History
No change since Oct 14, 2026 · 4.50% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
36 Month Deferred Compensation Certificate
$50
4.40%
▲ 1.39% above California avg
▼
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
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40%
▲ 1.39% above California avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.34% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.34% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 1.29% above California avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.29% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
36-MONTH CD
$0
4.25%
▲ 1.24% above California avg
▼
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%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
36-MONTH IRA CD
$0
4.25%
▲ 1.24% above California avg
▼
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%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Online CD
$25,000
4.25%
▲ 1.24% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Compounded Daily; Early Withdrawal Penalty
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 28, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Year Term Share Certificate
$500
4.25%
▲ 1.24% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 4, 20264.25%▲ from 3.75%
- Sep 25, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 36 Month
$1,000
4.25%
▲ 1.24% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month Share Certificate
$0
4.25%
▲ 1.24% above California avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Year IRA Traditional & Roth CD
$500
4.25%
▲ 1.24% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 13, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Regular CD
$500
4.25%
▲ 1.24% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Newport Beach 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
48 Month IRA Certificates
$0
4.05%
▲ 1.03% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.03% above avgNationally 2.80%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Sep 27, 20264.05%▲ from 3.85%
- Sep 18, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
48 Month Share Certificates
$0
4.05%
▲ 1.03% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.03% above avgNationally 2.80%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
- Oct 14, 20264.05%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
48 Month IRA Certificates - Gold
$0
4.00%
▲ 0.98% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
48 Month Share Certificates - Gold
$0
4.00%
▲ 0.98% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
48 Month IRA Certificates - Silver
$0
3.95%
▲ 0.93% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.93% above avgNationally 2.80%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
48 Month Share Certificates - Silver
$0
3.95%
▲ 0.93% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.93% above avgNationally 2.80%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
48 Month IRA Certificates - Bronze
$100
3.90%
▲ 0.88% above California avg
▼
Rate3.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.88% above avgNationally 2.80%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
48 Month Share Certificates - Bronze
$0
3.90%
▲ 0.88% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.88% above avgNationally 2.80%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
4 Year Jumbo Certificate
$0
3.40%
▲ 0.38% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
4 Year Traditional/Roth IRA Share Certificate
$0
3.40%
▲ 0.38% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
4 Year Regular Certificate
$0
3.25%
▲ 0.23% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
4 Year Traditional/Roth IRA Share Certificate
$0
3.25%
▲ 0.23% above California avg
▼
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
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Newport Center Dr, Newport Beach, CA 92660
4 Year Online CD
$0
2.75%
▼ 0.27% below California avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 0.27% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Newport Center Dr, Newport Beach, CA 92660
48 Month Certificate of Deposit (CD)
$0
2.75%
▼ 0.27% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.27% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
4 Year Business Jumbo Certificate
$0
2.65%
▼ 0.37% below California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
4 Year Business Regular Certificate
$0
2.55%
▼ 0.47% below California avg
▼
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
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
48 Month Certificate
$1,000
1.50%
▼ 1.52% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 1.52% below avgNationally 2.80%
Details
Balance: $500,000 or more
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 48 months
$500
1.50%
▼ 1.52% below California avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 1.52% below avgNationally 2.80%
Details
Balance: $500,000 or more
Rate History
No change since Oct 2, 2026 · 1.50% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
48 Month Certificate
$1,000
1.00%
▼ 2.02% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 48 months
$500
1.00%
▼ 2.02% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details
Balance: $50,000-$99,999.99
Rate History
1 change since Oct 2, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
- Oct 7, 20261.00%▲ from 0.75%
- Oct 2, 20260.75%first recorded
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
4695 Macarthur Ct, Newport Beach, CA 92660
4 Year Certificate
$0
1.00%
▼ 2.02% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details
Open online
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
48 Month Certificate
$1,000
0.75%
▼ 2.27% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.27% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
48 Month Standard CD
$1,000
0.75%
▼ 2.27% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.52% below California avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.52% below avgNationally 2.80%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.52% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.52% below avgNationally 2.80%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4301 Macarthur Blvd, Newport Beach, CA 92660
Business 48-Month
$0
0.45%
▼ 2.57% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.02%▼ 2.57% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
48 Month Certificate
$1,000
0.35%
▼ 2.67% below California avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.67% below avgNationally 2.80%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.77% below California avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.77% below avgNationally 2.80%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 48 months
$500
0.20%
▼ 2.82% below California avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.82% below avgNationally 2.80%
Details
Balance: $10,000-$49,999.99
Rate History
1 change since Oct 2, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20%
- Oct 7, 20260.20%▼ from 0.25%
- Oct 2, 20260.25%first recorded
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
4 Year CD
$500
0.15%
▼ 2.87% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.87% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 48 months
$500
0.15%
▼ 2.87% below California avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.87% below avgNationally 2.80%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 2, 2026 · 0.15% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
48 Month Certificate
$1,000
0.05%
▼ 2.97% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▼ 2.97% below avgNationally 2.80%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.73% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.73% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
48 month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.48% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.48% above avgNationally 2.80%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA Certificate 48 Month - Rewards+ Loyalty Program
$25
4.50%
▲ 1.48% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.48% above avgNationally 2.80%
Details
Rewards+ Loyalty Program rate; Minimum to earn dividend: $25; Available to open only during months when a Member is an active Rewards+ Loyalty Program Member; IRA fixed-term account; early withdrawal penalty may apply; Rates Effective as of: October 13, 2026
Rate History
No change since Oct 14, 2026 · 4.50% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40%
▲ 1.38% above California avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.38% above avgNationally 2.80%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.28% above California avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.28% above avgNationally 2.80%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
4 Year Certificate
$1,000
4.28%
▲ 1.26% above California avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 1.26% above avgNationally 2.80%
Details
Minimum = $1,000; Jumbo certificates over $75,000.00 APY 4.49% (add .20%)
Rate History
1 change since Sep 12, 2026 · 2.53% → 4.28% ▲ 1.75 pts · high 4.28% / low 2.53%
- Oct 8, 20264.28%▲ from 2.53%
- Sep 12, 20262.53%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
48-MONTH CD
$0
4.25%
▲ 1.23% above California avg
▼
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%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
48-MONTH IRA CD
$0
4.25%
▲ 1.23% above California avg
▼
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%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
4 Year Term Share Certificate
$500
4.25%
▲ 1.23% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 4, 20264.25%▲ from 3.75%
- Sep 25, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 48 Month
$1,000
4.25%
▲ 1.23% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Share Certificate
$0
4.25%
▲ 1.23% above California avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 13, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
Certificate Account - 48 Month
$500
4.25%
▲ 1.23% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
48 Month Promo Certificate
$1,000
4.25%
▲ 1.23% above California avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details
Funds on deposit at AFCU are not eligible unless matched with outside (new) funds from another financial institution
Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 5 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20%
▲ 1.18% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.18% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 5, 20264.20%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Certificate
$0
4.07%
▲ 1.05% above California avg
▼
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
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
48-Month Term Share Certificate
$500
4.06%
▲ 1.04% above California avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.04% above avgNationally 2.80%
Details
Effective date 09/1/2026; Early withdrawal penalty: 180 days
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
IRA Certificate Accounts - 48 months
$0
4.00%
▲ 0.98% above California avg
▼
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
Newport Beach 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
60 Month IRA Certificates
$0
4.05%
▲ 0.83% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.83% above avgNationally 2.91%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Sep 27, 20264.05%▲ from 3.85%
- Sep 18, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
60 Month Share Certificates
$0
4.05%
▲ 0.83% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.83% above avgNationally 2.91%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
- Oct 14, 20264.05%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
60 Month IRA Certificates - Gold
$0
4.00%
▲ 0.78% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.78% above avgNationally 2.91%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
60 Month Share Certificates - Gold
$0
4.00%
▲ 0.78% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.78% above avgNationally 2.91%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
60 Month IRA Certificates - Silver
$0
3.95%
▲ 0.73% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.73% above avgNationally 2.91%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
60 Month Share Certificates - Silver
$0
3.95%
▲ 0.73% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.73% above avgNationally 2.91%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
60 Month IRA Certificates - Bronze
$100
3.90%
▲ 0.68% above California avg
▼
Rate3.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.68% above avgNationally 2.91%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1401 Quail St, Newport Beach, CA 92660 2744
60 Month Share Certificates - Bronze
$0
3.90%
▲ 0.68% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.68% above avgNationally 2.91%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
5 Year Jumbo Certificate
$0
3.45%
▲ 0.23% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
5 Year Traditional/Roth IRA Share Certificate
$0
3.45%
▲ 0.23% above California avg
▼
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
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
5 Year Regular Certificate
$0
3.30%
▲ 0.08% above California avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.08% above avgNationally 2.91%
Details
Regular
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 4 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
5 Year Traditional/Roth IRA Share Certificate
$0
3.30%
▲ 0.08% above California avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 0.08% above avgNationally 2.91%
Details
Balance: Under $100,000
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Newport Center Dr, Newport Beach, CA 92660
5 Year Online CD
$0
2.75%
▼ 0.47% below California avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 0.47% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
5 Year Business Jumbo Certificate
$0
2.75%
▼ 0.47% below California avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▼ 0.47% below avgNationally 2.91%
Details
Balance: $100,000+
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
680 Newport Center Dr, Newport Beach, CA 92660
60 Month Certificate of Deposit (CD)
$0
2.75%
▼ 0.47% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.47% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4041 MacArthur Blvd Ste 210, Newport Beach, CA 92660
5 Year Business Regular Certificate
$0
2.65%
▼ 0.57% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▼ 0.57% below avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 2.65% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
60 Month Certificate
$1,000
1.75%
▼ 1.47% below California avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 1.47% below avgNationally 2.91%
Details
Balance: $500,000 or more
Rate History
No change since Oct 7, 2026 · 1.75% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
60 Month Certificate
$1,000
1.50%
▼ 1.72% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 1.72% below avgNationally 2.91%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 60 months
$500
1.50%
▼ 1.72% below California avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 1.72% below avgNationally 2.91%
Details
Balance: $500,000 or more
Rate History
No change since Oct 2, 2026 · 1.50% APY · checked 3 times
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
4695 Macarthur Ct, Newport Beach, CA 92660
5 Year Certificate
$0
1.25%
▼ 1.97% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 1.97% below avgNationally 2.91%
Details
Open online
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
60 Month Certificate
$1,000
1.00%
▼ 2.22% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 2.22% below avgNationally 2.91%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 60 months
$500
1.00%
▼ 2.22% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 2.22% below avgNationally 2.91%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 60 months
$500
0.75%
▼ 2.47% below California avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 2.47% below avgNationally 2.91%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 2, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.47% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.47% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
4400 Macarthur Blvd, Newport Beach, CA 92660
60 Month Standard CD
$1,000
0.75%
▼ 2.47% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.47% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4301 Macarthur Blvd, Newport Beach, CA 92660
Business 60-Month
$0
0.50%
▼ 2.72% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.22%▼ 2.72% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Jumbo CD - 5-Year Jumbo
$100,000
0.50%
▼ 2.72% below California avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.72% below avgNationally 2.91%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1201 Dove St, Newport Beach, CA 92660
Term CD - 5-Year Term
$1,000
0.50%
▼ 2.72% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.72% below avgNationally 2.91%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
60 Month Certificate
$1,000
0.35%
▼ 2.87% below California avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 2.87% below avgNationally 2.91%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 60 months
$500
0.25%
▼ 2.97% below California avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 2.97% below avgNationally 2.91%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 2, 2026 · 0.25% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
IRA 60 months
$500
0.15%
▼ 3.07% below California avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 3.07% below avgNationally 2.91%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 2, 2026 · 0.15% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4695 Macarthur Ct, Newport Beach, CA 92660
60 Month Certificate
$1,000
0.05%
▼ 3.17% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.22%▼ 3.17% below avgNationally 2.91%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.53% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.53% above avgNationally 2.91%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Roth
$500
4.60%
▲ 1.38% above California avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.38% above avgNationally 2.91%
Details
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 13, 20264.60%▲ from 3.40%
- Oct 9, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Traditional
$500
4.60%
▲ 1.38% above California avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.38% above avgNationally 2.91%
Details
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 13, 20264.60%▲ from 3.40%
- Oct 9, 20263.40%first recorded
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Online CD
$25,000
4.50%
▲ 1.28% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Compounded Daily; Early Withdrawal Penalty
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Sep 28, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
5 Year Certificate
$1,000
4.50%
▲ 1.28% above California avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
5 Year Term Share Certificate
$500
4.50%
▲ 1.28% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Term: 5 years with Epic Premium Checking; Epic Premium Checking relationship rate
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 4, 20264.50%▲ from 4.25%
- Sep 18, 20264.25%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
Epic Premium Promotion - 5-year Term Share Certificate
$0
4.50%
▲ 1.28% above California avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Epic Premium account holders enjoy a .25% bonus on a new 5-year Term Share Certificate
Rate History
No change since Oct 12, 2026 · 4.50% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Deferred Compensation Certificate
$50
4.50%
▲ 1.28% above California avg
▼
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
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50%
▲ 1.28% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Dividends credited monthly; early-withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Regular Certificate - 60 Months
$500
4.50%
▲ 1.28% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 5, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5 Year IRA Traditional & Roth CD
$500
4.50%
▲ 1.28% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 13, 20264.50%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Regular CD
$500
4.50%
▲ 1.28% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 5, 20264.50%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
Certificate Account - 60 Month
$500
4.50%
▲ 1.28% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
60 month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.28% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA Certificate 60 Month - Rewards+ Loyalty Program
$25
4.50%
▲ 1.28% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rewards+ Loyalty Program rate; Minimum to earn dividend: $25; Available to open only during months when a Member is an active Rewards+ Loyalty Program Member; IRA fixed-term account; early withdrawal penalty may apply; Rates Effective as of: October 13, 2026
Rate History
No change since Oct 14, 2026 · 4.50% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month IRA Certificate
$0
4.40%
▲ 1.18% above California avg
▼
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%
- 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%
60 Month Traditional IRA Certificate
$0
4.40%
▲ 1.18% above California avg
▼
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
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$100,000
4.40%
▲ 1.18% above California avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.18% above avgNationally 2.91%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
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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.
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Newport Beach, CA CD Rate Trends
Compare local Newport Beach, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
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
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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%
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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 14, 2026. | |||||
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Sample CD Ladder for Newport Beach, California Savers
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| 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 Newport Beach, California
Tracked in Newport Beach, California
34 Banks
82 Credit Unions
About Our Newport Beach, California CD Rate Database
MonitorBankRates tracks 3,220 CD rates from 34 banks and 82 credit unions with locations in Newport Beach, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Kinecta Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Newport Beach, California.
How to Find the Best CD Rates in Newport Beach, California
What to compare when shopping for a CD in Newport Beach, California
To find the best APYs in Newport Beach, California, start with credit unions and online-only banks: Newport Beach, California has 82 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 Newport Beach, California
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Newport Beach, California: 116 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Newport Beach, California savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Newport Beach, California money market rates
Newport Beach, California Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
24.2%
National avg: 17.3%
Median Individual Earnings
$91,643
National avg: $47,340
Poverty Rate
6.6%
National avg: 11.1%
Unemployment Rate
4.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$287/yr
At CA 12-mo avg 3.137% APY
24.2% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s CA 12-month CD average of 3.137%, saving 10% of the local median salary ($9,164/year) and putting it in a CD would earn an additional $287 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 Newport Beach, California
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Newport Beach, California
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Newport Beach, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Newport Beach, California as everywhere in the U.S.
Choosing a CD Term in Newport Beach, California
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Newport Beach, California savers easier access to their funds. For example, Flagstar Bank, National Association is offering its 6-Month Business CD at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, LBS Financial Credit Union is offering its 60 Month IRA Certificates at 4.05% 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 Newport Beach, California Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Newport Beach, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Newport Beach, California
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Newport Beach, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Newport Beach, California
Most CDs carry a fixed rate that is locked for the entire term, protecting a Newport Beach, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Newport Beach, California
Are CD rates in Newport Beach, California FDIC insured?
Yes, most established banks in Newport Beach, California are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Newport Beach, California?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Newport Beach, California.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Newport Beach, California may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Newport Beach, California?
Here are recent top rates found for this area:
- Kinecta Federal Credit Union: 4.50% APY (18-Month Promo Certificate)
- Vio Bank: 4.40% APY (24 Month Certificate of Deposit (CD))
- Flagstar Bank, National Association: 4.30% APY (12 Month Business CD)
- First Bank Creve Coeur, MO: 4.17% APY (18-Month Variable Rate IRA)
- City National Bank: 4.11% APY (Special 12-Month Fixed Rate)
- LBS Financial Credit Union: 4.05% APY (48 Month IRA Certificates)
- CIT Bank: 4.00% APY (Term CD - 1-Year Term)
- Citizens Access: 3.25% APY (1 Year Online CD)
- F&M Bank of Long Beach: 2.27% APY (18 Month Certificate)
- First Citizens Bank: 2.00% APY (12 Month CD)
Rates reflect recent verified offers available in Newport Beach, California. Last Updated: October 14, 2026
Newport Beach, California CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Newport Beach, 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.
CD Calculators for Newport Beach, California
Newport Beach, California CD Calculator
At today’s CA top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Newport Beach, California CD LadderCA 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 PenaltyBefore locking into a Newport Beach, California CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’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 Newport Beach, California CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Newport Beach, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Newport Beach, California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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