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Visalia, California Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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 Visalia, California CD rates include Educational Employees Credit UnionEducational Employees Credit Union3612 S Mooney Blvd, Visalia, CA 93277 8511A+5.0 ★Texas Ratio: 0.57%Real return: +1.45%APY minus CPI (February 2026) offering Share Saver Certificate - 12-Month Term at 4.25% APY, Valley Oak Credit UnionValley Oak Credit Union600 W Main St, Visalia, CA 93291 6148A4.8 ★Texas Ratio: 4.71%Real return: +0.55%APY minus CPI (February 2026) offering 12 Month Certificate at 3.35% APY, TULARE COUNTYTULARE COUNTY5133 W Walnut Ave, Visalia, CA 93277 3474A4.9 ★Texas Ratio: 6.95%Real return: +0.45%APY minus CPI (February 2026) offering 18 Month Certificate at 3.25% APY, Safe 1 Credit UnionSafe 1 Credit Union1407 E Noble Ave, Visalia, CA 93292A+5.0 ★Texas Ratio: 1.40%Real return: +0.16%APY minus CPI (February 2026) offering 24-Month Bump-Up Certificate at 2.96% APY, and Wells FargoWells Fargo414 W Main St, Visalia, CA 93291A5.0 ★Texas Ratio: 6.32%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Interest Rate at 1.51% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Visalia has 60 local institutions in our database, with CD rates as high as 4.25% APY from Educational Employees Credit Union at 3612 S Mooney Blvd, Visalia, CA 93277 8511. 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, so 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: September 22, 2026
Compare Best CD Rates in Visalia, California & the Surrounding Area
Visalia 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Oak Credit Union
Institution Rating:
A4.8 ★Texas Ratio: 4.71%
600 W Main St, Visalia, CA 93291 6148
3 Month Certificate
$1,000
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.69% above avg
Details
TULARE COUNTY
Institution Rating:
A4.9 ★Texas Ratio: 6.95%
5133 W Walnut Ave, Visalia, CA 93277 3474
3 Month Certificate
$1,000
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.56% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
414 W Main St, Visalia, CA 93291
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
414 W Main St, Visalia, CA 93291
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
4.50%
▲ 2.44% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 2.44% above avg
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details
UP to $99,999.99
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
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.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
No minimum deposit.
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
3-MONTH CD
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month IRA Pick-A-Term Certificate
$10,000
3.75%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
Limited-time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month Pick-A-Term Certificate
$10,000
3.75%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
Limited-time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
Credit Union of Southern California
3 Month Certificate
$500
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details
Rewards+ Loyalty Program
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3-Months CD
$1,000
3.70%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details
Interest is not compounded. Interest will be credited to your account at maturity.
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
90 Day Certificate Account and IRA Account
$100,000
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.59% above avg
Details
Minimum: $100,000 per member maximum; Balance: $10,000 and over
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Business Liquid Certificate
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.59% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Liquid Certificate
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.59% above avg
Details
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Performance CDs
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month IRA Pick-A-Term
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.54% above avg
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
3 Month Pick-A-Term
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.54% above avg
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
3 Month Share Certificate
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.54% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month IRA CD (91-Day)
$1,000
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
3 Month Term Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Business Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Consumer Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Jumbo Certificates or more)
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Jumbo
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Gold Minimum
$0
3.45%
▲ 1.39% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.39% above avg
Details
$50,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
90 Day Certificate Account and IRA Account
$100,000
3.40%
▲ 1.34% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.34% above avg
Details
Minimum: $100,000 per member maximum; Balance: $1,000-$9,999.99
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3 Month Share Certificate
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.34% above avg
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Silver Minimum
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.34% above avg
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Share Certificates - Bronze Minimum
$0
3.35%
▲ 1.29% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.29% above avg
Details
$2,500
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Certificate
$0
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.24% above avg
Details
Fremont Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month CD
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details
Balance: $2,500 up to $49,999
Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3 Month Fixed Rate Certificate of Deposit (CD)
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.19% above avg
Details
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
3 Month Share Certificates
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Share Certificate Account
$0
3.20%
▲ 1.14% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.14% above avg
Details
Visalia 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Oak Credit Union
Institution Rating:
A4.8 ★Texas Ratio: 4.71%
600 W Main St, Visalia, CA 93291 6148
6 Month Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
6 Month Share Certificate
$0
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.38% above avg
Details
Balance: $100,000 and over
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
6 Month Share Certificate
$0
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.33% above avg
Details
Balance: $50,000 - $99,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
6 Month Share Certificate
$0
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.28% above avg
Details
Balance: $10,000 - $49,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
6 Month Share Certificate
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.23% above avg
Details
Balance: $500 - $9,999.99
TULARE COUNTY
Institution Rating:
A4.9 ★Texas Ratio: 6.95%
5133 W Walnut Ave, Visalia, CA 93277 3474
6 Month Certificate
$1,000
0.75%
▼ 2.01% below national avg
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 2.01% below avg
Details
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.80%
1501 S Mooney Blvd, Visalia, CA 93277 2125
6 Months Share Certificate
$1,000
0.40%
▼ 2.36% below national avg
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 2.36% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
414 W Main St, Visalia, CA 93291
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.70% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.70% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
414 W Main St, Visalia, CA 93291
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.71% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Certificate
$0
4.50%
▲ 1.74% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.74% above avg
Details
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Certificate
$500
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Summer Certificate Specials. Limited time.
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Term Certificates
$0
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 months CD
$500
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Summer CD Specials
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
6 Month Birthday Promo
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Consumer Certificate of Deposit
$500
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.44% above avg
Details
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.
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6 Month "New Money" CD
$1,000
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month Share Certificate
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details
Fontana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Months Certificate
$0
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.31% above avg
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details
UP to $99,999.99
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
6 Month Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
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.
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Term: Special 6-Month Fixed Rate2
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
6-MONTH CD
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
IRA CD - 6-MONTH
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Business Term Certificate Promo
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
$50,000 & up; Dividends Paid Monthly
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
6-Month Promotional IRA Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Term: 6-Month Promotional IRA Share Certificate
Credit Union of Southern California
6 Month Certificate
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Rewards+ Loyalty Program
Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
6 Month Business Fixed Rate Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $1,000/+ Dividend Rate
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6-month Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
6-Month Add-On Promotional Share Certificate
$500
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
6-MONTH CD
$0
3.88%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.12% above avg
Details
Balance: $100,000 AND ABOVE
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
6-month Share Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Basic
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Balance: $500 - $999.99
Ventura County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Get Fit Certificate - 6 Month Certificate Plus
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Balance: $2,500 and over
Fontana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Months Certificate
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6 Month Jumbo Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6-Months CD
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Interest is not compounded. Interest will be credited to your account at maturity.
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate
$250
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
New Money Only
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
6 Month Jumbo CD
$50,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 6 Month
$100,000
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
6 Month Share Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $25,000- $250,000
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6 Month IRA Pick-A-Term
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
6 Month Pick-A-Term
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6 Month Share Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Available for IRA and Business Accounts4
Orange Countys Credit Union
6-Month Term Share Certificate
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Visalia 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
Share Saver Certificate - 12-Month Term
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.30% above avg
Details
Tier 4; Additional deposits are allowed during the term of the certificate, up to the maximum principal balance of $500. The dividend rate and APY applicable to the entire principal balance will change automatically when the deposit balance meets the next defined tier threshold. One Share Saver Certificate per account.
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
Share Saver Certificate - 12-Month Term
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Tier 3; Additional deposits are allowed during the term of the certificate, up to the maximum principal balance of $500. The dividend rate and APY applicable to the entire principal balance will change automatically when the deposit balance meets the next defined tier threshold. One Share Saver Certificate per account.
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
Share Saver Certificate - 12-Month Term
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Tier 2; Additional deposits are allowed during the term of the certificate, up to the maximum principal balance of $500. The dividend rate and APY applicable to the entire principal balance will change automatically when the deposit balance meets the next defined tier threshold. One Share Saver Certificate per account.
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
Share Saver Certificate - 12-Month Term
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
Tier 1; Additional deposits are allowed during the term of the certificate, up to the maximum principal balance of $500. The dividend rate and APY applicable to the entire principal balance will change automatically when the deposit balance meets the next defined tier threshold. One Share Saver Certificate per account.
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
1 Year Share Certificate
$0
3.40%
▲ 0.45% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.45% above avg
Details
Balance: $100,000 and over
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
1 Year Share Certificate
$0
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.40% above avg
Details
Balance: $50,000 - $99,999.99
Valley Oak Credit Union
Institution Rating:
A4.8 ★Texas Ratio: 4.71%
600 W Main St, Visalia, CA 93291 6148
12 Month Certificate
$1,000
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.40% above avg
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
1 Year Share Certificate
$0
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.35% above avg
Details
Balance: $10,000 - $49,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
1 Year IRA Share Certificates
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.30% above avg
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
1 Year Share Certificate
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.30% above avg
Details
Balance: $500 - $9,999.99
TULARE COUNTY
Institution Rating:
A4.9 ★Texas Ratio: 6.95%
5133 W Walnut Ave, Visalia, CA 93277 3474
12 Month Certificate
$1,000
3.20%
▲ 0.25% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.25% above avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
414 W Main St, Visalia, CA 93291
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.44% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
414 W Main St, Visalia, CA 93291
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.45% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Relationship APY 1.51%. Early withdrawal penalties may apply.
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.80%
1501 S Mooney Blvd, Visalia, CA 93277 2125
12 Months Share Certificate
$1,000
0.80%
▼ 2.15% below national avg
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.15% below avg
Details
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.80%
1501 S Mooney Blvd, Visalia, CA 93277 2125
12 Months Simple Savers Certificate
$25
0.05%
▼ 2.90% below national avg
▼
Rate0.05%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.90% below avg
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Relationship Certificate (12 months)
$0
5.90%
▲ 2.95% above national avg
▼
Rate5.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 2.95% above avg
Details
Terms Apply
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12-Month Certificate
$100
4.70%
▲ 1.75% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.75% above avg
Details
Includes a .50 bonus for active and engaged members through our Loyalty+ program. Rate remains fixed through maturity. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later. Automatically renews at a 12-month term at the rate in effect on the maturity date.
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Certificate
$0
4.50%
▲ 1.55% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
12 Month Certificate
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.30% above avg
Details
Credit Union of Southern California
12-month Certificate
$1,000
4.25%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details
New Funds; Offer available to CU SoCal Members over the age of 18 with a Rewards Checking Account. $100 minimum opening deposit required on a new Rewards Checking Account. Accounts are verified by ChexSystems and are subject to approval and Membership eligibility. If the Rewards Checking is closed or converted to another checking account type prior to maturity date, certificate rate will decrease to the current 6-month rate in effect. New Member online deposits are capped at $8,000 and must originate from an external (non-CU SoCal) account. Promotional certificate deposits via CU SoCal ACH transfers must remain on balance in account for a minimum of 60 days or additional penalties will apply. We may impose a penalty if you withdraw the principal from your certificate account before the maturity date. The penalty will be 60 days of dividends on the amount withdrawn. If the amount withdrawn reduces the principal balance below the stated minimum, you will be assessed a penalty on the entire principal balance. We will close the certificate account and transfer any remaining balance to your Regular Savings Account. Certificate automatically renews to a 6-month term at maturity; maturity date and terms provided at account opening. Renewal APY is based on your CU SoCal relationship at the time of renewal. Visit CUSoCal.org/Rates for details. Limit one promotional certificate per primary Member.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Starter Add-On Certificate
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
12-Month Business Certificate
$100
4.20%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details
Rate remains fixed through maturity. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later. Automatically renews at a 12-month term at the rate in effect on the maturity date.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month Share Certificate
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details
Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
12 Month Share Certificate
$0
4.20%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.25% above avg
Details
Balance: $0-$24,999
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
12 Month Deferred Compensation Certificates
$50
4.15%
▲ 1.20% above national avg
▼
Rate4.07%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.20% above avg
Details
payroll deposit only
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Deferred Compensation Certificates 12 months
$50
4.15%
▲ 1.20% above national avg
▼
Rate4.07%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.20% above avg
Details
Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only. Initial term may vary depending on date account opened, renewing automatically into a 12-month term upon maturity.
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 12-Month Fixed Rate
$0
4.11%
▲ 1.16% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.16% above avg
Details
Term: Special 12-Month Fixed Rate1
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Add-On Certificate
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
1 Year Youth
$250
4.06%
▲ 1.11% above national avg
▼
Rate3.98%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.11% above avg
Details
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
IRA Certificate - 1 Year
$0
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Certificate
$0
4.04%
▲ 1.09% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.09% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1 Year Business Step Up Certificates
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Business Step Up Certificates - 1 Year
$1,000
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
12-MONTH CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
IRA CD - 12-MONTH
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
12 Month Platinum TCD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
GBC 50th Anniversary Special!
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 Month Term Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
1-year Term Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Epic Premium account holders will enjoy a .25% bonus on a new 1-year Term Share Certificate.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
12-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
12-month Loyalty Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
12-month Loyalty Share Certificate**
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 Month Youth Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $50.00 to $1,000.00
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
$50,000 & up; Dividends Paid Monthly
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
12 Month Elite Jumbo CD
$250,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12 Month IRA Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
12-month certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Get a 12-month certificate with a great rate
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
12 Month Birthday Promo
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Business Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Consumer Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Visalia 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
18 Month Share Certificate
$0
3.45%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.64% above avg
Details
Balance: $100,000 and over
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
18 Month Share Certificate
$0
3.40%
▲ 0.59% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.59% above avg
Details
Balance: $50,000 - $99,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
18 Month Share Certificate
$0
3.35%
▲ 0.54% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.54% above avg
Details
Balance: $10,000 - $49,999.99
Valley Oak Credit Union
Institution Rating:
A4.8 ★Texas Ratio: 4.71%
600 W Main St, Visalia, CA 93291 6148
18 Month Certificate
$1,000
3.35%
▲ 0.54% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.54% above avg
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
18 Month IRA Share Certificates
$0
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.49% above avg
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
18 Month Share Certificate
$0
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.49% above avg
Details
Balance: $500 - $9,999.99
TULARE COUNTY
Institution Rating:
A4.9 ★Texas Ratio: 6.95%
5133 W Walnut Ave, Visalia, CA 93277 3474
18 Month Certificate
$1,000
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.80%
1501 S Mooney Blvd, Visalia, CA 93277 2125
18 Months Share Certificate
$1,000
1.00%
▼ 1.81% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.81% below avg
Details
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Share Certificate
$0
4.25%
▲ 1.44% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.44% above avg
Details
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month New Money Certificate
$0
4.25%
▲ 1.44% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.44% above avg
Details
Term: 18 Month New Money Certificate; Balance: $100,000+
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18 Month Platinum TCD
$0
4.18%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.37% above avg
Details
GBC 50th Anniversary Special!
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month New Money Certificate
$0
4.15%
▲ 1.34% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.34% above avg
Details
Term: 18 Month New Money Certificate; Balance: $50,000 - $99,999
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
18 Month Business Certificate Specials
$0
4.15%
▲ 1.34% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.34% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month Jumbo CD
$50,000
4.10%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.29% above avg
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18-Months Promotional Term Certificate
$1,000
4.10%
▲ 1.29% above national avg
▼
Rate4.03%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details
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.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18-Months Promotional Term IRA Certificate
$500
4.10%
▲ 1.29% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details
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.
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
4.05%
▲ 1.24% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.24% above avg
Details
Balance: $200,000.00 +
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
18-MONTH CD
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
IRA CD - 18-MONTH
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
AltaOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Traditional 18 Month Bump Certificate
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Balance: $250,000+; Term Share and Traditional, Roth & SEP IRA Certificates
SCE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
18 Month IRA Certificate Accounts
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.19% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
18-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.19% above avg
Details
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Month "New Money" CD
$1,000
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Balance: $90,000.00 - $199,999.99
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month CD
$500
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 18 Month
$100,000
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month New Money Certificate
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Term: 18 Month New Money Certificate; Balance: $1,000 - $49,999
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Business Certificates
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Consumer Certificates
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Jumbo Certificates or more)
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Credit Union of Southern California
18 Month Certificate
$500
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Rewards+ Loyalty Program
Credit Union of Southern California
IRA Certificate 18 month
$25
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Certificate
$0
3.98%
▲ 1.17% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.81%▲ 1.17% above avg
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
3.95%
▲ 1.14% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.14% above avg
Details
Balance: $50,000.00 - $89,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
3.95%
▲ 1.14% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.14% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Traditional/Roth IRA Certificates
$50,000
3.95%
▲ 1.14% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.14% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
18-month Certificate
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.09% above avg
Details
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details
Balance: $50,000+
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details
Balance: $10,000.00 - $49,999.99
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
18 Month Jumbo CD
$50,000
3.90%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificates
$1,000
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
18 Month Share Certificate
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.09% above avg
Details
AltaOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Traditional 18 Month Bump Certificate
$0
3.85%
▲ 1.04% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.04% above avg
Details
Balance: $500-$249,999; Term Share and Traditional, Roth & SEP IRA Certificates
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.85%
▲ 1.04% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.04% above avg
Details
Balance: $10,000 - $49,999
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificates
$0
3.85%
▲ 1.04% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.04% above avg
Details
Balance: $1,000.00 - $9,999.99
Visalia 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
2 Year Share Certificate
$0
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.73% above avg
Details
Balance: $100,000 and over
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
2 Year Share Certificate
$0
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.68% above avg
Details
Balance: $50,000 - $99,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
2 Year Share Certificate
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.62% above avg
Details
Balance: $10,000 - $49,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
2 Year Share Certificate
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.57% above avg
Details
Balance: $500 - $9,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
2 Year IRA Share Certificates
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.52% above avg
Details
Valley Oak Credit Union
Institution Rating:
A4.8 ★Texas Ratio: 4.71%
600 W Main St, Visalia, CA 93291 6148
24 Month Certificate
$1,000
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
TULARE COUNTY
Institution Rating:
A4.9 ★Texas Ratio: 6.95%
5133 W Walnut Ave, Visalia, CA 93277 3474
24 Month Certificate
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1407 E Noble Ave, Visalia, CA 93292
24-Month Bump-Up Certificate
$0
2.96%
▲ 0.13% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.13% above avg
Details
Variable Rate Type
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
1407 E Noble Ave, Visalia, CA 93292
24-Month Bump-Up
$0
2.00%
▼ 0.83% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.83% below avg
Details
Rate Type: Variable
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.80%
1501 S Mooney Blvd, Visalia, CA 93277 2125
24 Months Share Certificate
$1,000
1.15%
▼ 1.68% below national avg
▼
Rate1.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.68% below avg
Details
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2 Year Consumer Certificate of Deposit
$500
4.40%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.57% above avg
Details
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.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 Month Share Certificate
$0
4.30%
▲ 1.47% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
Credit Union of Southern California
24 Month Certificate
$500
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
Rewards+ Loyalty Program
Credit Union of Southern California
IRA Certificate 24 month
$25
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 Month Certificate
$500
4.20%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details
Summer Certificate Specials. Limited time.
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 Month Term Certificates
$0
4.20%
▲ 1.37% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 months CD
$500
4.20%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details
Summer CD Specials
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1-2 Year Share Certificate
$0
4.13%
▲ 1.30% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.30% above avg
Details
Balance: $250,000
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 Month Term Certificates
$0
4.11%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.28% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
24 Month Elite Jumbo CD
$250,000
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
24 Month Certificate
$0
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.24% above avg
Details
Balance: $100,000 +
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details
Balance: $200,000.00 +
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
24 Month IRA CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
24-MONTH CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2-year Term Share Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details
Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
24-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
IRA Certificate - 2 Year
$0
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Balance: $90,000.00 - $199,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Balance: $100,000 and over
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Business Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Consumer Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Jumbo Certificates or more)
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month Certificate
$0
3.98%
▲ 1.15% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.83%▲ 1.15% above avg
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
24 Month Certificate
$0
3.97%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.14% above avg
Details
Balance: $500-$99,999
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus Certificates
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.13% above avg
Details
Balance: 24 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus IRA Certificates
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.13% above avg
Details
Balance: 24 Month
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.95%
▲ 1.12% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details
Balance: $50,000.00 - $89,999.99
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
24 Month Jumbo CD
$50,000
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.95%
▲ 1.12% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.95%
▲ 1.12% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details
Balance: $50,000 - $99,999.99
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
2 Year Business Step Up Certificates
$1,000
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.07% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
Business Step Up Certificates - 2 Year
$1,000
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.07% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
24-month Certificate
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.07% above avg
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details
Balance: $10,000.00 - $49,999.99
Visalia 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
3 Year Share Certificate
$0
3.61%
▲ 0.86% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.86% above avg
Details
Balance: $100,000 and over
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
3 Year Share Certificate
$0
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.81% above avg
Details
Balance: $50,000 - $99,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
3 Year Share Certificate
$0
3.51%
▲ 0.76% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.76% above avg
Details
Balance: $10,000 - $49,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
3 Year Share Certificate
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.70% above avg
Details
Balance: $500 - $9,999.99
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
3 Year IRA Share Certificates
$0
3.40%
▲ 0.65% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.65% above avg
Details
Valley Oak Credit Union
Institution Rating:
A4.8 ★Texas Ratio: 4.71%
600 W Main St, Visalia, CA 93291 6148
36 Month Certificate
$1,000
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.60% above avg
Details
TULARE COUNTY
Institution Rating:
A4.9 ★Texas Ratio: 6.95%
5133 W Walnut Ave, Visalia, CA 93277 3474
36 Month Certificate
$1,000
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.80%
1501 S Mooney Blvd, Visalia, CA 93277 2125
36 Months Share Certificate
$1,000
1.51%
▼ 1.24% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.24% below avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificates
$0
4.25%
▲ 1.50% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.50% above avg
Details
1x Bump Up
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
36 Month Share Certificate
$0
4.25%
▲ 1.50% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.50% above avg
Details
Credit Union of Southern California
36 Month Certificate
$500
4.25%
▲ 1.50% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.50% above avg
Details
Rewards+ Loyalty Program
Credit Union of Southern California
IRA Certificate 36 month
$25
4.25%
▲ 1.50% above national avg
▼
Rate4.17%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.50% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
36 Month Deferred Compensation Certificates
$50
4.20%
▲ 1.45% above national avg
▼
Rate4.11%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.45% above avg
Details
payroll deposit only
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Deferred Compensation Certificates 36 months
$50
4.20%
▲ 1.45% above national avg
▼
Rate4.11%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.45% above avg
Details
Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only.
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
36 Month Elite Jumbo CD
$250,000
4.15%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
3 Years Add-On Certificate
$0
4.15%
▲ 1.40% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.40% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.35% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.35% above avg
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
36 Month Certificate
$0
4.07%
▲ 1.32% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.32% above avg
Details
Balance: $100,000 +
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.30% above avg
Details
Balance: $200,000.00 +
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.30% above avg
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
36 Month Jumbo Certificate
$100,000
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.30% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
36 Month IRA CD
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.25% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
36-MONTH CD
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.25% above avg
Details
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$0
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details
Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Online CD
$25,000
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details
Compounded Daily; Early Withdrawal Penalty
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
36-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details
Balance: $90,000.00 - $199,999.99
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
36 Month Jumbo CD
$50,000
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details
Balance: $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 3 Year
$100,000
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
36 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.25% above avg
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
36 Month Certificate
$0
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details
Balance: $500-$99,999
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus Certificates
$0
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details
Balance: 36 Month
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details
Balance: $50,000.00 - $89,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details
Balance: $50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Traditional/Roth IRA Certificates
$50,000
3.95%
▲ 1.20% above national avg
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
36-Month Term Share Certificate
$0
3.91%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.16% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
36-month Certificate
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.15% above avg
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Balance: $10,000.00 - $49,999.99
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
36 Month Certificate
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
3 Year IRA Traditional & Roth CD
$500
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
36 Month Regular CD
$500
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Balance: $1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
36 Month Jumbo Certificate
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.15% above avg
Details
Visalia 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
4 Year IRA Share Certificates
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Valley Oak Credit Union
Institution Rating:
A4.8 ★Texas Ratio: 4.71%
600 W Main St, Visalia, CA 93291 6148
48 Month Certificate
$1,000
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
TULARE COUNTY
Institution Rating:
A4.9 ★Texas Ratio: 6.95%
5133 W Walnut Ave, Visalia, CA 93277 3474
48 Month Certificate
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
48 Month Jumbo Certificate
$100,000
4.30%
▲ 1.54% above national avg
▼
Rate4.22%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.54% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
48 Month Elite Jumbo CD
$250,000
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
48 Month Certificate
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Credit Union of Southern California
48 Month Certificate
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Rewards+ Loyalty Program
Credit Union of Southern California
IRA Certificate 48 month
$25
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
48 Month Promo Certificate
$1,000
4.25%
▲ 1.49% above national avg
▼
Rate4.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
48 Month Share Certificate
$0
4.20%
▲ 1.44% above national avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
48 Month Certificate
$0
4.07%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.31% above avg
Details
Balance: $100,000 +
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
48-Month Term Share Certificate
$0
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.30% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
48 Month IRA CD
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
48-MONTH CD
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
SCE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
48 Month IRA Certificate Accounts
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
48-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
48 Month Term Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
48 Month Regular CD
$500
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
48 Month Certificate
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: $500-$99,999
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 48 Month
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Jumbo Certificate
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Jumbo IRA Certificate
$0
3.95%
▲ 1.19% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates
$0
3.91%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.15% above avg
Details
Balance: $10,000; Rewards Level: Platinum
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 Year Certificate
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 Year IRA Certificate
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 Year IRA Step Up Certificates
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
4 Year Step Up Certificates
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA Step Up Certificates - 4 Year
$200
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
48-month Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details
Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
4 year certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Ontario-Montclair School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA Certificate (48 mo)
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
**
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4 Year Certificate
$500
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 4 Years
$5
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Regular IRA Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
48 Month Share Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates
$0
3.86%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.10% above avg
Details
Balance: $1,000; Rewards Level: Platinum
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Share Certificates 48 Months
$0
3.86%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.10% above avg
Details
Balance: $1,000; Member Rewards Level: Platinum
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
Jumbo 48 Month CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.09% above avg
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month IRA Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Share Certificates - Jumbo
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Over $90,000
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.06% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: 48 Month
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Share Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: $1,000; Rewards Level: Gold
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Share Certificates 48 Months
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: $1,000; Member Rewards Level: Gold
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month IRA Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Share Certificates - Gold Minimum
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
$50,000
Visalia 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3612 S Mooney Blvd, Visalia, CA 93277 8511
5 Year IRA Share Certificates
$0
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.68% above avg
Details
Valley Oak Credit Union
Institution Rating:
A4.8 ★Texas Ratio: 4.71%
600 W Main St, Visalia, CA 93291 6148
60 Month Certificate
$1,000
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
TULARE COUNTY
Institution Rating:
A4.9 ★Texas Ratio: 6.95%
5133 W Walnut Ave, Visalia, CA 93277 3474
60 Month Certificate
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.42% above avg
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
60 Month Jumbo Certificate
$100,000
4.55%
▲ 1.72% above national avg
▼
Rate4.46%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.72% above avg
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
60 Month Certificate
$500
4.50%
▲ 1.67% above national avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.67% above avg
Details
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Roth IRA Certificate
$0
4.33%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.50% above avg
Details
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Simplified Employee Pension (SEP) IRA Certificates - 60 months
$0
4.33%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.50% above avg
Details
Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month Deferred Compensation Certificates
$50
4.30%
▲ 1.47% above national avg
▼
Rate4.21%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
payroll deposit only
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Deferred Compensation Certificates 60 months
$50
4.30%
▲ 1.47% above national avg
▼
Rate4.21%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Certificate
$500
4.30%
▲ 1.47% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Flexible Certificate
$500
4.30%
▲ 1.47% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Regular CD
$500
4.30%
▲ 1.47% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Regular Certificate Accounts
$500
4.30%
▲ 1.47% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5-year Term Share Certificate
$500
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.42% above avg
Details
Term: 1 Year IRA with **Epic Premium Checking
SCE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
60 Month IRA Certificate Accounts
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.42% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
6 - 60 month terms
$500
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details
Guaranteed return, flexible terms
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
60 Month Elite Jumbo CD
$250,000
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details
Credit Union of Southern California
60 Month Certificate
$500
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
Rewards+ Loyalty Program
Credit Union of Southern California
IRA Certificate 60 month
$25
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate (Jumbo)
$0
4.20%
▲ 1.37% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details
IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.20%
▲ 1.37% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details
Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo)
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
60 Month Share Certificate
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate (Jumbo)
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo)
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Bump-Rate Certificate Accounts
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
60 Month Certificate
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$0
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.27% above avg
Details
Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Online CD
$25,000
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.27% above avg
Details
Compounded Daily; Early Withdrawal Penalty
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month Share Certificates
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo)
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
60 Month Certificate
$0
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.24% above avg
Details
Balance: $100,000 +
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
60-Month Term Share Certificate
$0
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.23% above avg
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Certificate
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details
IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month Share Certificates
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details
Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo)
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details
Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
5 Year Retirement Certificates
$0
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.22% above avg
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
Retirement Certificates - 5 Years
$0
4.05%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.22% above avg
Details
APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
60 Month Jumbo Certificate
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.22% above avg
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
60 Month Jumbo IRA Certificate
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.22% above avg
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
60 Month Share Certificates
$0
4.01%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.18% above avg
Details
Balance: $10,000; Rewards Level: Platinum
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year Certificate
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year IRA Certificate
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year IRA Step Up Certificates
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
5 Year Step Up Certificates
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
IRA Step Up Certificates - 5 Year
$200
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
60 Month IRA CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.99%
60-MONTH CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
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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Visalia, CA CD Rate Trends
Compare local Visalia, 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
2.945%
▲ 0.004 vs 7 days ago
California 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD CA Avg
2.760%
Unchanged vs 7 days ago
California 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
Powered by
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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 | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Visalia, 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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
2,663
CD Rates
Tracked in Visalia, California
Tracked in Visalia, California
23 Banks
88 Credit Unions
About Our Visalia, California CD Rate Database
MonitorBankRates tracks 2,663 CD rates from 23 banks and 88 credit unions with locations in Visalia, 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: Educational Employees Credit Union offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Visalia, California.
How to Find the Best CD Rates in Visalia, California
What to compare when shopping for a CD in Visalia, California
To find the best APYs in Visalia, California, start with credit unions and online-only banks: Visalia, 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 Visalia, 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 Visalia, California: 111 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Visalia, California savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Visalia, California money market rates
Visalia, California Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
13.5%
National avg: 17.3%
Median Individual Earnings
$43,091
National avg: $47,340
Poverty Rate
11.5%
National avg: 11.1%
Unemployment Rate
6.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$127/yr
At CA 12-mo avg 2.945% APY
13.5% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 2.945%, saving 10% of the local median salary ($4,309/year) and putting it in a CD would earn an additional $127 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 Visalia, 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 Visalia, 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 Visalia, 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 Visalia, California as everywhere in the U.S.
Choosing a CD Term in Visalia, 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 Visalia, California savers easier access to their funds. For example, Valley Oak Credit Union is offering its 6 Month Certificate at 3.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Educational Employees Credit Union is offering its 5 Year IRA Share Certificates at 3.51% 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 Visalia, 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 Visalia, 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 Visalia, 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 Visalia, 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 Visalia, California
Most CDs carry a fixed rate that is locked for the entire term, protecting a Visalia, 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 Visalia, California
Are CD rates in Visalia, California FDIC insured?
Yes, most established banks in Visalia, 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 Visalia, 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 Visalia, 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 Visalia, 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 Visalia, California?
Here are recent top rates found for this area:
- Educational Employees Credit Union: 4.25% APY (Share Saver Certificate - 12-Month Term)
- Valley Oak Credit Union: 3.35% APY (12 Month Certificate)
- TULARE COUNTY: 3.25% APY (18 Month Certificate)
- Safe 1 Credit Union: 2.96% APY (24-Month Bump-Up Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
- Valley Strong Credit Union: 1.51% APY (36 Months Share Certificate)
- Schools Federal Credit Union: 5.90% APY (Relationship Certificate (12 months))
- Stanford Federal Credit Union: 4.70% APY (12-Month Certificate)
- Corazo Credit Union: 4.55% APY (60 Month Jumbo Certificate)
- Habib American HAB Bank : 4.50% APY (12 Month Certificate)
Rates reflect recent verified offers available in Visalia, California. Last Updated: September 22, 2026
Visalia, California CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Visalia, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Visalia, California
Visalia, California CD Calculator
At today’s CA top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Visalia, California CD LadderCA CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Visalia, California CD at 4.25% 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 2.945% 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 Visalia, 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 Visalia, 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 Visalia, 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: September 22, 2026
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