San Jose, California Best CD Rates September 2026

Term: 3 months (90 to 179 days)

Minimum Balance $500+

IRA Traditional & Roth Share Certificates

$90,000 +

Balance: $90,000 +

Early withdrawal penalties may apply.

Relationship APY 0.06%. Early withdrawal penalties may apply.

$1,000 +

UP to $99,999.99

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

No minimum deposit.

Rewards+ Loyalty Program

Interest is not compounded. Interest will be credited to your account at maturity.

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

Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.

Over $90,000

$50,000

Minimum: $100,000 per member maximum; Balance: $1,000-$9,999.99

A Youth Savings Account is required to have a Youth Share Certificate. An adult member of CommonWealth must be joint on the account.

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

Term: 6 months (180 to 269 days)

Traditional, Roth, and Coverdell (ESA) Term IRA Certificate Rates

IRA Traditional & Roth Share Certificates

Early withdrawal penalties may apply.

Relationship APY 0.06%. Early withdrawal penalties may apply.

Summer Certificate Specials. Limited time.

Summer CD Specials

Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

UP to $99,999.99

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

$50,000 & up; Dividends Paid Monthly

Term: 6-Month Promotional IRA Share Certificate

Balance: $100,000 up to $1,000,000

Balance: $50,000 up to $100,000

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

Term: 18 Month New Money Certificate; Balance: $100,000+

Term: 18 Month New Money Certificate; Balance: $50,000 - $99,999

The promotional 18-month Certificate offers a dividend rate of 4.025%, with an Annual Percentage Yield (APY) of 4.100%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

The promotional 18-month Certificate offers a dividend rate of 4.025%, with an Annual Percentage Yield (APY) of 4.100%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Balance: $200,000.00 +

Balance: $250,000+; Term Share and Traditional, Roth & SEP IRA Certificates

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

Balance: $90,000.00 - $199,999.99

Term: 18 Month New Money Certificate; Balance: $1,000 - $49,999

Rewards+ Loyalty Program

Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%

Balance: $50,000.00 - $89,999.99

Balance: $50,000+

Balance: $10,000.00 - $49,999.99