San Diego, California CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current San Diego, California CD rates include Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union9326 Spectrum Center Blvd, San Diego, CA 92123 1443A5.0 ★Texas Ratio: 8.11%Real return: +1.04%APY minus CPI (February 2026) offering Bonus Certificates 12 Month at 3.84% APY, Self-Help Federal Credit UnionSelf-Help Federal Credit Union4029 43rd St, San Diego, CA 92105A+5.0 ★Texas Ratio: 2.55%Real return: +1.02%APY minus CPI (February 2026) offering 3-Year Certificate at 3.82% APY, Frontwave Credit UnionFrontwave Credit Union2118 Hochmuth Ave Bldg 2, San Diego, CA 92140A+5.0 ★Texas Ratio: 2.32%Real return: +0.85%APY minus CPI (February 2026) offering 6-Month Share Certificate at 3.65% APY, Ohio Healthcare Federal Credit UnionOhio Healthcare Federal Credit Union8985 Balboa Ave, San Diego, CA 92123A+5.0 ★Texas Ratio: 1.07%Real return: +0.85%APY minus CPI (February 2026) offering IRA Share Certificates 12 Month at 3.65% APY, and Cabrillo Credit UnionCabrillo Credit Union880 Front St Ste 2295, San Diego, CA 92101 8895A+5.0 ★Texas Ratio: 2.38%Real return: +0.84%APY minus CPI (February 2026) offering Share Certificates 60 months at 3.64% APY. CD rates as of June 9, 2026 according to verified data from MonitorBankRates.
San Diego has 160 local institutions in our database, with CD rates as high as 3.84% APY from Northrop Grumman Federal Credit Union at 9326 Spectrum Center Blvd, San Diego, CA 92123 1443. 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 — 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: June 9, 2026
Compare Best CD Rates in San Diego, California & the Surrounding Area
San Diego 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
3 months Certificate
$100,000
2.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
3 months Certificate
$10,000
2.75%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
3 months Certificate
$2,000
2.70%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
3 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
3 months Certificate Account
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
11943 El Camino Real Ste 110a, San Diego, CA 92130
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
3 Month Certificate
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
IRA Certificate 3 Months
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 3 months
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 3 months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 3 months
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,000 - $9,999
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
SHINE WITH SUMMER CD - 3 Months
$5,000
3.85%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedJun 3, 2026
Details
Annual Percentage Yield. Term and Conditions apply. Click "Learn More" to see offer details.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
*APY: Annual Percentage Yield
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Term Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 3 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificates 3 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Earn 3.55% APY on balances of $500 or more.
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
3 Months Term Share Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month IRA Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 3 month
$50,000
3.45%
▼
Rate3.39%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Day Certificate Special
$10,000
3.41%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
balances $10,000 - $100,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days Certificate Account and IRA Account: Fixed Rate
$10,000
3.41%
▼
Rate3.34%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 per member maximum
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 3 month
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 3 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
3 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days Certificate Account and IRA Account: Fixed Rate
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 per member maximum
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3 MONTHS Certificate Accounts
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
HSA Certificate Accounts 3 MONTHS
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$90,000
3.10%
▼
Rate—
Min Deposit$90,000
Min Balance—
UpdatedJun 7, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$50,000
3.08%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedJun 7, 2026
Details
San Diego 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2118 Hochmuth Ave Bldg 2, San Diego, CA 92140
6-Month Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
promotional offer
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3550 Murphy Canyon Rd, San Diego, CA 92123
6-Month Jumbo Share Certificate
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 29, 2026
Details
$10,000
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
6 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
13480 Evening Creek Dr N, San Diego, CA 92128
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Available for personal (including Individual Retirement Accounts) and business accounts.
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
6 months Certificate
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
6 months Certificate
$10,000
3.10%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
6 months Certificate
$2,000
3.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
6 months
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
($50,000+)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 6 months
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 6 months
$0
2.86%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
6 months
$0
2.86%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
($10,000 - $49,999)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 6 months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,000 - $9,999
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
9494 Miramar Rd, San Diego, CA 92126
6 Month Certificate
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
6 months Certificate Account
$1,000
2.10%
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 6 Months
$50,000
2.00%
▼
Rate1.99%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 6 Months
$10,000
1.75%
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 6 Months
$1,000
1.55%
▼
Rate1.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
6 Month Certificate
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
IRA Certificate 6 Months
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
16536 Bernardo Center Dr, San Diego, CA 92128
6 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details
A minimum deposit of $1,000 is required to open a CD | Rates subject to change | Member FDIC
Golden Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
180-Day CD
$20,000
4.05%
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedJun 3, 2026
Details
Requires a minimum $20,000 deposit of new money. Promotion period: Effective immediately through June 30, 2026.
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CD
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
6 Month Certificates of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit 6 months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
New Money Only
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Certificate
$250
3.70%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
New Money Only; 3.75% APY?balances $100,000+
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
SHINE WITH SUMMER CD - 6 Months
$5,000
3.65%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedJun 3, 2026
Details
Annual Percentage Yield. Term and Conditions apply. Click "Learn More" to see offer details.
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD - 6 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Certificate Account 6-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
San Diego 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
4029 43rd St, San Diego, CA 92105
1-Year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
IRA Certificates 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
YOUth Boost 12-Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
12 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 12 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
11943 El Camino Real Ste 110a, San Diego, CA 92130
12-month fixed-rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
12 months Certificate
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 12 months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
12 months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
($50,000+)
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
12 months Certificate
$10,000
3.10%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
12 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
($10,000 - $49,999)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 12 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000 - $49,999
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
12 months Certificate
$2,000
3.05%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 12 months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,000 - $9,999
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
9494 Miramar Rd, San Diego, CA 92126
1 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
1 year add on Certificate Account
$50
2.63%
▼
Rate2.60%
Min Deposit$50
Min Balance—
UpdatedMay 20, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 1 Year
$50,000
2.25%
▼
Rate2.23%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 1 Year
$10,000
2.00%
▼
Rate1.99%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 1 Year
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
IRA Certificate 12 Months
$2,000
1.50%
▼
Rate1.49%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
12 Month Certificate
$2,000
1.50%
▼
Rate1.49%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
16536 Bernardo Center Dr, San Diego, CA 92128
12 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Relationship Certificate(12 months)
$500
5.90%
▼
Rate5.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
Gen-T Term Share Certificate* 12 Months
$5
4.25%
▼
Rate4.16%
Min Deposit$5
Min Balance—
UpdatedMay 29, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA - 12 Month Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Loyalty Share Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Term Certificate
$90,000
4.04%
▼
Rate3.97%
Min Deposit$90,000
Min Balance—
UpdatedMay 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Teen Share Certificate 12 Months
$0
4.00%
▼
Rate3.91%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Youth Share Certificate 12 Months
$50
4.00%
▼
Rate3.91%
Min Deposit$50
Min Balance—
UpdatedMay 22, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Term Certificate
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Promotional IRA Certificates / Roth / Educational IRA Certificates 12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dividends paid annually and at maturity
San Diego 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
18 months Certificate Account
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
18-month IRA Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
18-month Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
9494 Miramar Rd, San Diego, CA 92126
18 Month Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
18 months Certificate
$100,000
2.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
18 months Certificate
$10,000
2.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
18 months Certificate
$2,000
2.45%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
18 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
IRA Certificate 18 Months
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
16536 Bernardo Center Dr, San Diego, CA 92128
18 months
$500
0.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Featured rate.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Term Certificate
$90,000
3.98%
▼
Rate3.91%
Min Deposit$90,000
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Term Certificate
$500
3.83%
▼
Rate3.76%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 18 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 18 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month Bump
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 18 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 18 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 18 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 18 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-month Share Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month Bump
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Promotional IRA Certificates / Roth / Educational IRA Certificates 18 Months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dividends paid annually and at maturity
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
For a limited time only, pick your certificate term!
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit 18 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 18 month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Pick Your Term 18-Month Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
IRA Certificates are available.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
18 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Certificate Special 18 months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
(Including IRA and CESA).
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
San Diego 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
24 Month Regular Certificate
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
2 years Certificate Account
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
($50,000+)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
24 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
($10,000 - $49,999)
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 24 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 24 months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,000 - $9,999
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
9494 Miramar Rd, San Diego, CA 92126
2 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
24 months Certificate
$100,000
2.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
24 months Certificate
$10,000
2.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 2 Years
$50,000
2.50%
▼
Rate2.48%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
24 months Certificate
$2,000
2.45%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 2 Years
$10,000
2.25%
▼
Rate2.23%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 2 Years
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
24 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
IRA Certificate 24 Months
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
16536 Bernardo Center Dr, San Diego, CA 92128
2 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1-2 Year Share Certificate
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD - 24 Month
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
HSBC Wealth Center/Telephone Deposit Account APYs: CDs - 24 Month
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Online Certificate of Deposit - 24 Month
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
24 Month Certificate
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 24 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 24 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share Certificates 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 24 Months Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
San Diego 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
4029 43rd St, San Diego, CA 92105
3-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
36 Month
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 36 Month
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 36 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 36 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000 - $49,999
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
3 years Certificate Account
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,000 - $9,999
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
9494 Miramar Rd, San Diego, CA 92126
3 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 3 Years
$50,000
2.75%
▼
Rate2.72%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 3 Years
$10,000
2.50%
▼
Rate2.48%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 3 Years
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
36 months Certificate
$100,000
2.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
36 months Certificate
$10,000
2.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
36 months Certificate
$2,000
1.95%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
36 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
IRA Certificate 36 Months
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
16536 Bernardo Center Dr, San Diego, CA 92128
3 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
36 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Platinum
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 36 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 36 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 36 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
36-month IRA Traditional & Roth Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Gold
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Silver
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
San Diego 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 48 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 48 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000 - $49,999
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 48 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,000 - $9,999
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
48 Month
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 48 Month
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
4 years Certificate Account
$1,000
3.07%
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
9494 Miramar Rd, San Diego, CA 92126
4 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 4 Years
$50,000
2.85%
▼
Rate2.82%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 4 Years
$10,000
2.60%
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 4 Years
$1,000
2.40%
▼
Rate2.38%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
48 months Certificate
$100,000
2.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
48 months Certificate
$10,000
2.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
48 months Certificate
$2,000
1.95%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
48 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
IRA Certificate 48 Months
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
16536 Bernardo Center Dr, San Diego, CA 92128
4 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
48 Month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Platinum
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Gold
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 48 month
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 48 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Silver
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 48 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 48 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 48 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH IRA CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 4 Years
$5
3.70%
▼
Rate3.63%
Min Deposit$5
Min Balance—
UpdatedMay 22, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Standard
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 48 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years Share Certificates
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 48 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo College Saver 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
$1,000/+
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo College Saver 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Standard College Saver 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificates 4 year
$0
3.54%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
San Diego 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 60 months
$0
3.64%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA 92101 8895
Share Certificates 60 months
$0
3.59%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,000 - $9,999
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
60 Month
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 60 Month
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA 92123
5 years Certificate Account
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 5 Years
$50,000
2.95%
▼
Rate2.92%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
9494 Miramar Rd, San Diego, CA 92126
5 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 5 Years
$10,000
2.70%
▼
Rate2.67%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4493 Ruffin Rd, San Diego, CA 92123
60 Months
$0
2.69%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, San Diego, CA 92115 4241
Certificates of Deposit 5 Years
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
60 months Certificate
$100,000
2.05%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
60 months Certificate
$10,000
2.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
60 months Certificate
$2,000
1.95%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 22, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
60 Month Certificate
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
San Diego County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6545 Sequence Dr, San Diego, CA 92121
IRA Certificate 60 Months
$2,000
1.75%
▼
Rate1.74%
Min Deposit$2,000
Min Balance—
UpdatedMay 23, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
16536 Bernardo Center Dr, San Diego, CA 92128
5 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
60 Month Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Retirement Certificates 5 Years
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH IRA CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month GoldStar? Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate is 0.100% APY lower for non-GoldStar? members
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months Platinum
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Regular IRA Certificate 60 Month
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 9, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
60 Month Share Certificates
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months Gold
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$500 minimum balance
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months Silver
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 5 Years
$5
3.85%
▼
Rate3.78%
Min Deposit$5
Min Balance—
UpdatedMay 22, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
5 Years Share Certificates
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
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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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San Diego, CA CD Rate Trends
Compare local San Diego, 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
2.240%
▼ 0.031 vs 7 days ago
California 12-month CD rates fell 0.031 points over the past 7 days to 2.240% APY.
6-Month CD — CA Avg
1.438%
▲ 0.011 vs 7 days ago
California 6-month CD rates rose 0.011 points over the past 7 days to 1.438% APY.
As of Jun 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CA CD Rate Forecast — Next 12 Months
Where are California CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
2.240%
6-Month Forecast
2.240%
Range: 2.04% – 2.39%
12-Month Forecast
1.990%
Range: 1.79% – 2.14%
Powered by
MonitorBankRates
What Your Savings Earn at CA CD Rates Today
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.050% | $52.49 | $104.97 | $262.43 | $524.85 |
| 6-Month CD | 1.438% | $71.89 | $143.78 | $359.45 | $718.90 |
| 12-Month CD | 2.240% | $112.02 | $224.04 | $560.10 | $1,120.20 |
| 18-Month CD | 2.616% | $130.82 | $261.63 | $654.08 | $1,308.15 |
| 24-Month CD | 2.640% | $132.02 | $264.03 | $660.08 | $1,320.15 |
| 36-Month CD | 2.653% | $132.65 | $265.29 | $663.23 | $1,326.45 |
| 48-Month CD | 2.655% | $132.75 | $265.49 | $663.73 | $1,327.45 |
| 60-Month CD | 2.815% | $140.76 | $281.51 | $703.78 | $1,407.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 9, 2026. | |||||
Sample CD Ladder for San Diego, 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 | 1.050% | $52.49 |
| 2 | 6-Month CD | $5,000 | 1.438% | $71.89 |
| 3 | 12-Month CD | $5,000 | 2.240% | $112.02 |
| 4 | 24-Month CD | $5,000 | 2.640% | $132.02 |
| 5 | 36-Month CD | $5,000 | 2.653% | $132.65 |
| Total ($25,000 invested) | $25,000 | 2.004% blended | $501.07/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.
1,310
CD Rates
Tracked in San Diego, California
Tracked in San Diego, California
21 Banks
88 Credit Unions
About Our San Diego, California CD Rate Database
MonitorBankRates tracks 1,310 CD rates from 21 banks and 88 credit unions with locations in San Diego, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Northrop Grumman Federal Credit Union offers a CD at 3.84% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in San Diego, California.
How to Find the Best CD Rates in San Diego, California
What to compare when shopping for a CD in San Diego, California
To find the best APYs in San Diego, California, start with credit unions and online-only banks — San Diego, California has 88 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 San Diego, 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 San Diego, California — 109 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → San Diego, California savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → San Diego, California money market rates
San Diego, California Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
14.6%
National avg: 17.3%
Median Individual Earnings
$53,870
National avg: $47,340
Poverty Rate
11.0%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$121/yr
At CA 12-mo avg 2.240% APY
14.6% of residents are 65 or older — below the national average of 17.3%. At today’s CA 12-month CD average of 2.240%, saving 10% of the local median salary ($5,387/year) and putting it in a CD would earn an additional $121 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 San Diego, 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 (90–180 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 San Diego, 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 San Diego, 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 San Diego, California as everywhere in the U.S.
Choosing a CD Term in San Diego, 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 San Diego, California savers easier access to their funds. For example, Frontwave Credit Union is offering its 6-Month Share Certificate at 3.65% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Northrop Grumman Federal Credit Union is offering its Bonus Certificates 60 Month at 3.76% 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 San Diego, 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 San Diego, 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 San Diego, 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 San Diego, 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 San Diego, California
Most CDs carry a fixed rate that is locked for the entire term, protecting a San Diego, 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 San Diego, California
Are CD rates in San Diego, California FDIC insured?
Yes, most established banks in San Diego, 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 San Diego, 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 San Diego, 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 San Diego, 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 San Diego, California?
Here are recent top rates found for this area:
- Northrop Grumman Federal Credit Union: 3.84% APY (Bonus IRA Certificates 12 Month)
- Self-Help Federal Credit Union: 3.82% APY (3-Year Certificate)
- Frontwave Credit Union: 3.65% APY (6-Month Share Certificate)
- Ohio Healthcare Federal Credit Union: 3.65% APY (IRA Share Certificates 12 Month)
- Cabrillo Credit Union: 3.64% APY (Share Certificates 60 months)
- Certified Federal Credit Union: 3.55% APY (6-Month Jumbo Share Certificate)
- Sunflower Bank: 3.40% APY (6-Month CD Special)
- MyPoint Credit Union: 3.25% APY (3 years Certificate Account)
- Comerica: 3.20% APY (12-month fixed-rate CD)
- Mission Federal Credit Union: 3.15% APY (6 months Certificate)
Rates reflect recent verified offers available in San Diego, California. Last Updated: June 9, 2026
CD Calculators for San Diego, California
San Diego, California CD Calculator
At today’s CA top rate of 3.84% APY, a $10,000 deposit earns $384 in the first year. Enter your amount to see your exact return.
San Diego, California CD LadderCA CD rates currently range from 1.050% (3-month) to 2.653% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a San Diego, California CD at 3.84% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.240% 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 San Diego, 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 San Diego, 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 San Diego, 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: June 9, 2026
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