CD Rates Tehachapi, California (CA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Tehachapi, California CD rates include CBC Federal Credit UnionCBC Federal Credit Union1002 W Tehachapi Blvd, Tehachapi, CA 93561 2533A+5.0 ★Texas Ratio: 4.13% offering 1-Year IRA Term Share Certificates at 4.25% APY, Safe 1 Credit UnionSafe 1 Credit Union20141 W Valley Blvd, Tehachapi, CA 93561A+5.0 ★Texas Ratio: 1.48% offering 12-Month Variable Rate Certificate at 3.77% APY, AltaOne Federal Credit UnionAltaOne Federal Credit Union775 Tucker Rd, Tehachapi, CA 93561 2502A5.0 ★Texas Ratio: 6.90% offering 60 Month Term Share and Traditional, Roth & SEP IRA Certificates at 3.61% APY, Premier One Credit UnionPremier One Credit UnionA+5.0 ★Texas Ratio: 1.63% offering 24-month IRA Traditional & Roth Share Certificates at 4.50% APY, and United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81% offering 6-Month CD Term at 4.20% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.
Tehachapi has 10 local institutions in our database, with CD rates as high as 4.25% APY from CBC Federal Credit Union at 1002 W Tehachapi Blvd, Tehachapi, CA 93561 2533. 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: April 6, 2026
Compare Best CD Rates in Tehachapi, California & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
No minimum deposit.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
*APY: Annual Percentage Yield
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Online Only
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Share Certificates - Gold Minimum 3 month
$50,000
3.45%
▼
Rate3.39%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
$50,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
90 Day Certificate Special
$10,000
3.41%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
balances $10,000 - $100,000
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Month IRA Pick-A-Term Certificates
$10,000
3.40%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
90 Day Certificate of Deposit
$10,000
3.37%
▼
Rate3.31%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 3 month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
90 DAY CERTIFICATE
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Funding Limit: $12M
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3-MONTH Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
IRA not Eligible
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3-Month Certificate and IRA Certificates
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 3 Month Certificate
$1,500
2.85%
▼
Rate2.81%
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
3 Month Certificate
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Month Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month Term Share Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
Jumbo 3 Month CD
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$1,000.00 Minimum Balance
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
3-Month Share Certificates
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3 Month Term Share & IRA Term Share Accounts
$5,000
2.48%
▼
Rate2.45%
Min Deposit$5,000
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month Certificates
$0
1.92%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
3 Month Certificate
$0
1.82%
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Month CD
$10,000
1.24%
▼
Rate1.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Certificate
$10,000
1.00%
▼
Rate1.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum to open & earn dividends: $100,000
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3-month IRA Traditional & Roth Share Certificates
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 3 month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
775 Tucker Rd, Tehachapi, CA 93561 2502
6 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 Month Savings Certificate
$250,000
4.00%
▼
Rate3.92%
Min Deposit$250,000
Min Balance—
UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
6 month Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Promotional IRA Share Certificates 6-Month Add-On Promotional Share Certificate
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6-Month Certificate Account
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA - 6 Month Certificate
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
BluRipple Term Certificates 6 Month Intro
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 MONTH CERTIFICATE
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
6 Month Certificate of Deposit
$10,000
3.32%
▼
Rate3.27%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 6 month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
6 Month Business Certificate Account
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month CD
$1,000
3.24%
▼
Rate3.19%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
$1,000 Min.
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6 Month Certificate Special
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 6 Month
$50,000
3.15%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
6 Month Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$1,000.00 Minimum Balance
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6-Month Certificate and IRA Certificates
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6-MONTH Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Youth Launch Certificate 6-Month Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
6 Month Certificate
$10,000
2.90%
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
6-Month Share Certificates
$50,000
2.80%
▼
Rate2.77%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
6 month Certificates and IRAs
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
6 MONTH CERTIFICATE
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
6 Month Term Share & IRA Term Share Accounts
$100,000
2.73%
▼
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 6 Month
$1,000
2.70%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Rate2.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6 Month Business Certificate
$100,000
2.35%
▼
Rate2.32%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Certificate
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6-month IRA Traditional & Roth Share Certificates
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
6-Month Share Certificates
$0
2.03%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month Certificate
$50,000
1.81%
▼
Rate1.80%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
6 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Ontario Public Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 6 month
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Share Certificate
$100,000
0.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1002 W Tehachapi Blvd, Tehachapi, CA 93561 2533
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
APY= Annual Percentage Yield. Stated rate is 4.169%. APY is accurate as of April 1, 2026. $500.00 minimum deposit required. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
20141 W Valley Blvd, Tehachapi, CA 93561
12-Month Variable Rate Certificate
$0
3.77%
▼
Rate3.71%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
775 Tucker Rd, Tehachapi, CA 93561 2502
12 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA - 12 Month Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
12-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 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—
UpdatedApr 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$10,000 - $49,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
12-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA - 1 Year k
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$100
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 month CDs
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Limited time offer. Only available in our branches.
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
12 Month New Member Term Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
For new members only. Restrictions apply.
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Gold Minimum 12 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$50,000
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1-Year Certificate Account
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 12 Month Certificate
$1,500
3.56%
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Core Certificate 12 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Account minimum is $500, maximum balance is $50,000. Members may open multiple Core Certificates for a maximum deposit of $50,000. Core group includes employees who work for our educator, healthcare, and government municipalities partners.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1-Year Certificate and IRA Certificates
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
1 YEAR CERTIFICATE
$0
3.38%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
Jumbo 12 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Santa Barbara Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
IRA 12-month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Compound Quarterly
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 1 Year
$0
3.28%
▼
Rate3.23%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
12 MONTH CERTIFICATE
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
12-MONTH Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12-Month Term Share Certificate
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
1 Year Certificate of Deposit
$10,000
3.17%
▼
Rate3.12%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
12-Month Certificate of Deposit IRA
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 month Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Non-Rewards+ Loyalty Program
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
Retirement Certificates 1 Year
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
12 Month Certificate Special
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
12 MONTH CERTIFICATE
$100
3.03%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 12 Month
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
12-Month Share Certificates
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
12 month Certificates and IRAs
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1 year Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1 Year CD
$1,000
2.83%
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
$1,000 Min.
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 1 Year
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
1 Year Term Share & IRA Term Share Accounts
$100,000
2.78%
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Funding Limit: $12M
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
BluRipple Term Certificates 12 Month Intro
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
775 Tucker Rd, Tehachapi, CA 93561 2502
18 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18-Month CD Term
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$100,000 and over
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
18-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 18 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Over $90,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
$100,000 Minimum to Earn APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 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—
UpdatedApr 6, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18-Month Certificate and IRA Certificates
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
Jumbo 18 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Term Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
18-MONTH Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
18 Month Certificate
$10,000
3.15%
▼
Rate3.10%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
18 month Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Non-Rewards+ Loyalty Program
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 18 Month Certificate
$1,500
3.05%
▼
Rate3.01%
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
18-Month Share Certificates
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
18 Month Certificate
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
18 Month CD 100,000.00+
$100,000
2.58%
▼
Rate2.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Business Certificate
$100,000
2.55%
▼
Rate2.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
18-Month Share Certificates
$0
2.54%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Special 18 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month Certificates
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
18-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
18 Month Savings Certificate
$350,000
1.70%
▼
Rate1.68%
Min Deposit$350,000
Min Balance—
UpdatedApr 6, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 18 month
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate0.50%
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details
United Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
18 Month Certificate of Deposits - Standard & IRA Available
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
18 Month Certificate of Deposit
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
775 Tucker Rd, Tehachapi, CA 93561 2502
24 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
20141 W Valley Blvd, Tehachapi, CA 93561
24-Month Bump-Up Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$100,000 and over
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
24-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
1-2 Year Share Certificate
$250,000
3.87%
▼
Rate3.80%
Min Deposit$250,000
Min Balance—
UpdatedApr 6, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 24 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Over $90,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum to open & earn dividends: $100,000
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month - Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
2-Year Certificate Account
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2-Year Certificate and IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
Jumbo 24 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 2 Year
$0
3.29%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
24 MONTH CERTIFICATE
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
24-Month Share Certificates
$50,000
3.20%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 24 Month
$50,000
3.15%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Certificates (Fixed Rate) 2 Year Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2-Year Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
24 Month Certificate
$50,000
3.04%
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 2 Year
$1,000
2.95%
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
24 month Certificates and IRAs
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2 Year IRA Term Share & IRA Term Share Accounts
$5,000
2.89%
▼
Rate2.85%
Min Deposit$5,000
Min Balance—
UpdatedApr 6, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
24 month Certificate
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Non-Rewards+ Loyalty Program
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
24 MONTH CERTIFICATE
$100
2.83%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
2 Year Certificate
$100
2.75%
▼
Rate2.71%
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
2 Year CD
$1,000
2.73%
▼
Rate2.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
$1,000 Min.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 24 Month Certificate
$1,500
2.72%
▼
Rate2.69%
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
24 Month Certificates
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Funding Limit: $1M
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month Business Certificate
$100,000
2.65%
▼
Rate2.62%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
24 Month CD 100,000.00+
$100,000
2.53%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
2 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2 Year Certificate of Deposit
$1,000
2.40%
▼
Rate2.38%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
24-Month Share Certificates
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
24-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2 Year Bump Up Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2 Year Time Deposit Account
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
24 Month Savings Certificate
$350,000
1.80%
▼
Rate1.78%
Min Deposit$350,000
Min Balance—
UpdatedApr 6, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
2 Year Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
24-Month Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2-Year IRA
$50,000
0.80%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
$50,000.00 & over
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
775 Tucker Rd, Tehachapi, CA 93561 2502
36 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36-Month CD Term
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
36-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 36 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Over $90,000
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 MONTH JUMBO CD
$10,000
3.78%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
$10,000.00 minimum NEW MONEY investment in Certificate of Deposit to receive stated rate. Additional Certificate of Deposit rates and terms are available. Rates are subject to change. Fees may reduce earnings. Penalty for early withdrawal.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
36-month IRA Traditional & Roth Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
$100,000 Minimum to Earn APY
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3-Year Certificate and IRA Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum to open & earn dividends: $100,000
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 YEAR CERTIFICATE
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
36 MONTH CERTIFICATE
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
36 Month Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 36 Month
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 3 Year
$0
3.34%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
36 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Funding Limit: $0.5M
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
36-Month Share Certificates
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 month Share Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
36-Month Term Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Term Share Certificates
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
36 month Certificates and IRAs
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 Month Certificates
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
36 Month Certificate
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 month Certificate
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Non-Rewards+ Loyalty Program
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 3 Year
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Year Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Year Certificate
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 36 Month Certificate
$1,500
2.65%
▼
Rate2.62%
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
$1,000 Min.
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Year Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
36 Month CD 100,000.00+
$100,000
2.43%
▼
Rate2.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
36 MONTH CERTIFICATE
$100
2.32%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
36-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
3-Year Share Certificates
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
36-Month Share Certificates
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
36 Month Savings Certificate
$0
1.95%
▼
Rate1.92%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36 Month Business Certificate
$1,000
1.85%
▼
Rate1.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Year Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 36 month
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
775 Tucker Rd, Tehachapi, CA 93561 2502
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month CD Term
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
48-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
Jumbo 48 Month CD
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Gold Minimum 48 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 MONTH CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4-Year Certificate and IRA Certificates
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum to open & earn dividends: $100,000
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
48 Month Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
48 Month Share Certificates
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 4 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
48-MONTH Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
IRA Share Certificate & SEP Plan Certificate 4 year
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
4 Year Certificate
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedApr 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Jumbo Term Share Certificates & IRA Share Certificates 4 Year
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month Certificates
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
48 month Certificates and IRAs
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
48-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48 Month Certificate
$10,000
2.99%
▼
Rate2.95%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month Certificate
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Non-Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
4-Year Certificate
$50,000
2.80%
▼
Rate2.77%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 month Share Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
48 Month Business Certificate
$25,000
2.75%
▼
Rate2.71%
Min Deposit$25,000
Min Balance—
UpdatedApr 6, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4 Year Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
4 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
$1,000 Min.
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Term Share Certificates
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
48-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
4-Year Share Certificates
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
4-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
48-Month Share Certificates
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 48 Month Certificate
$1,500
1.96%
▼
Rate1.94%
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
48 MONTH CERTIFICATE
$100
1.81%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4 Year Certificate
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month Share Certificate
$100,000
1.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 48 month
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month Certificate
$1,000
0.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
$1,000.00 - $9,999.99
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
4 Year Certificate of Deposit
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
48-Month Certificate
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
775 Tucker Rd, Tehachapi, CA 93561 2502
60 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$100,000 and over
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
60 MONTH CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
60 Month Share Certificates
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
5-Year Certificate and IRA Certificates
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6 to 60-Month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$500 minimum balance
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
Jumbo 60 Month CD
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Gold Minimum 60 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Minimum to open & earn dividends: $100,000
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 - 5 Year Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60 Month Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5 YEAR CERTIFICATE
$0
3.59%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
60-MONTH Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
60 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
IRA Certificates (CD) with 60 month term
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 5 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 60 Month
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
Term Share Certificates & IRA Share Certificates 5 Year
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$100,000 and over
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
60 month Certificates and IRAs
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Non-Rewards+ Loyalty Program
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Month Business Certificate
$100,000
2.95%
▼
Rate2.91%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
60 month term Certificate Rate
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
5 Year Certificate
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
5 Year CD
$1,000
2.62%
▼
Rate2.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
$1,000 Min.
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
60-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month Term Share Certificates
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
5-Year Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 60 Month Certificate
$1,500
2.09%
▼
Rate2.07%
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
60-Month Term Share Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
60 MONTH CERTIFICATE
$100
1.81%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5 Year Time Deposit Account
$0
1.80%
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
IRA 60-Month
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Share Certificate
$100,000
1.35%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Jumbo Certificates of Deposit 5 year
$99,000
1.00%
▼
Rate1.00%
Min Deposit$99,000
Min Balance—
UpdatedApr 6, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month Certificate
$1,000
0.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
$1,000.00 - $9,999.99
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
5 Year Certificate of Deposit
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details
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MonitorBankRates
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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Tehachapi, CA CD Rate Trends
Compare local Tehachapi, 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
2.959%
▲ 0.199 vs 7 days ago
California 12-month CD rates rose 0.199 points over the past 7 days to 2.959% APY.
6-Month CD — CA Avg
2.738%
▲ 0.114 vs 7 days ago
California 6-month CD rates rose 0.114 points over the past 7 days to 2.738% APY.
As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Tehachapi, California
Are CD rates in Tehachapi, California FDIC insured?
Yes, most established banks in Tehachapi, 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 Tehachapi, 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 Tehachapi, 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 Tehachapi, 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 Tehachapi, California?
Here are recent top rates found for this area:
- CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
- Safe 1 Credit Union: 3.77% APY (12-Month Variable Rate Certificate)
- AltaOne Federal Credit Union: 3.61% APY (60 Month Term Share and Traditional, Roth & SEP IRA Certificates)
- Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Central Valley Firefighters Credit Union: 4.12% APY (IRA - 12 Month Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- U S POSTAL SERVICE: 4.10% APY (1 Year Add-On Certificate)
- Citizens National Bank of Texas: 4.04% APY (6 month CDs)
- Vision One Credit Union: 4.00% APY (6 Month Savings Certificate)
Rates reflect recent verified offers available in Tehachapi, California. Last Updated: April 6, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Tehachapi, 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 pulling data straight 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 Tehachapi, 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: April 6, 2026
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