San Jose, California Best CD Rates October 2026

Term: 3 months (90 to 179 days)

Rate Type: Fixed; Early Withdrawal Penalty applies; Certificate renews at maturity

Minimum Balance $500+

Effective 4/7/2026; Traditional and Roth IRA Certificate; 0.10% bonus with direct deposit (not reflected in displayed rate/APY); Failure to maintain direct deposit during the term reduces the rate by 0.10% if the bonus is applied

Minimum To Keep Open: $1,000.00; Contact Us Online; IRA Traditional & Roth Share Certificates

Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal

Balance: $90,000 and over; Renewal Term: 3 Months

Minimum To Keep Open: $1,000.00; Open An Account

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal

Balance: $1,000 - $89,999; Renewal Term: 3 Months

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Balance: up to $100,000.00; Rates for ZIP code 60603

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Term: 3 Months with Epic Premium Checking; Epic Premium Checking relationship rate

Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits

Minimum to open $1,000.00

Balance: $2,000.00 to $9,999.99

Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online

Digital product; Balance: $0 to obtain APY

Rewards+ Loyalty Program

Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply

Anticipated rates; tier not labeled in source

Balance: $10,000.00 and over; $100,000 per member maximum

Balance: $10,000 and over; $100,000 per member maximum

Anticipated rates; Balance: $50,000 minimum

Maximum deposit $500,000 per account and household; penalties for early withdrawal may apply

Effective Date: 09/01/2026

Youth Account; dividends paid monthly

Minimum Balance $500+

Fixed; Dividends paid monthly; simple interest on a daily basis; requires a Youth Savings Account; adult member of CommonWealth must be joint on the account

Minimum to open $100,000

Balance: $2,500 up to $49,999

Term: 6 months (180 to 269 days)

Rate Type: Fixed; Early Withdrawal Penalty applies; Certificate renews at maturity

Effective 4/7/2026; Traditional and Roth IRA Certificate; 0.10% bonus with direct deposit (not reflected in displayed rate/APY); Failure to maintain direct deposit during the term reduces the rate by 0.10% if the bonus is applied

Minimum To Keep Open: $1,000.00; Contact Us Online; IRA Traditional & Roth Share Certificates

Minimum To Keep Open: $1,000.00; Open An Account

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Balance: up to $100,000.00; Rates for ZIP code 60603

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Maximum opening deposit $500,000.00

Term: 6 Months with Epic Premium Checking; Epic Premium Checking relationship rate

Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account; All regular certificates can be opened as IRA certificates, unless otherwise noted

Minimum balance $500 and above; limited-time summer special

Rewards+ Loyalty Program

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

Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply

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