California CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in California, view interactive rate trend charts, and compare CA APYs against the national average.
Current California CD Rate Trends
CD APYs in California fell by -0.110 this week, bringing the current 12-Month CD average APY down to 2.227%. Savers in CA are seeing slightly reduced yields compared to last week, when the average stood at 2.337%.
At 2.227%, California's 12-Month CD APY sits -0.609 below the current national average of 2.835%. Savers in CA may find better yields by comparing online offerings or considering national institutions.
The 6-Month CD APY in California currently averages 1.496%, compared to 1.636% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The California certificate of deposit rate averages displayed on this page are calculated from 1,936 verified CD rate quotes collected across 150 banks and credit unions actively operating in California. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across California. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in CA.
Data reflects average APYs offered by licensed institutions operating in CA. Last Updated: April 25, 2026
California CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact APYs for each week.
California CD rate averages compiled from 1,936 current CD rates across 150 banks and credit unions operating in CA — updated daily.
As of Apr 25, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering California financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical CA cd rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/certificate-of-deposit-cd-rates/california/trends. For custom data pulls, contact us here.
