CD Rates Bakersfield, California (CA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Bakersfield, California CD rates include Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.58% offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, Self-Help Federal Credit UnionSelf-Help Federal Credit Union2100 H St, Bakersfield, CA 93301A+5.0 ★Texas Ratio: 2.72% offering 1-Year Certificate at 3.82% APY, Safe 1 Credit UnionSafe 1 Credit Union1400 Mill Rock Way, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 1.48% offering 12-Month Variable Rate Certificate at 3.77% APY, AltaOne Federal Credit UnionAltaOne Federal Credit Union6501 Ming Ave, Bakersfield, CA 93309A5.0 ★Texas Ratio: 6.90% offering 60 Month Term Share and Traditional, Roth & SEP IRA Certificates at 3.61% APY, and The Golden 1 Credit UnionThe Golden 1 Credit Union4106 California Ave Ste 1, Bakersfield, CA 93309 1095A+5.0 ★Texas Ratio: 5.42% offering 60 Month Term Savings Certificate Account at 3.55% APY. CD rates as of April 4, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Bakersfield, California, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 4, 2026
Compare Best CD Rates in Bakersfield, California & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
4106 California Ave Ste 1, Bakersfield, CA 93309 1095
3 Month Term Savings Certificate Account
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
87 W Alexander Ave, Merced, CA 95348 3404
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
No minimum deposit.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6331 Skyway, Paradise, CA 95969
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA 95008
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
*APY: Annual Percentage Yield
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3540 Wilshire Blvd, Los Angeles, CA 90010
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Online Only
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance? CDs 3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2000 University Ave, East Palo Alto, CA 94303
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1562 S Bascom Ave, San Jose, CA 95125 6108
3 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Gold Minimum 3 month
$50,000
3.45%
▼
Rate3.39%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
$50,000
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
3 Month IRA Pick-A-Term Certificates
$10,000
3.40%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
90 Day Certificate of Deposit
$10,000
3.37%
▼
Rate3.31%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificates 3 month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
3 month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
90 DAY CERTIFICATE
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
3-Month Certificate and IRA Certificates
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 3 Month Certificate
$1,500
2.85%
▼
Rate2.81%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
3 Month Certificate
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1415 W Lacey Blvd, Hanford, CA 93230
3 Month Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
3 Month Term Share Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
3 Month CD 100,000.00+
$100,000
2.74%
▼
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 3 Month CD
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
PO Box 330, Angwin, CA 94508 0330
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$1,000.00 Minimum Balance
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
3-Month Share Certificates
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
3 Month Term Share & IRA Term Share Accounts
$5,000
2.48%
▼
Rate2.45%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3992 Douglas Blvd, Roseville, CA 95661
3-Month CD
$0
2.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
3 Month Certificates
$0
1.92%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
3 Month Certificate
$0
1.82%
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
3 Month CD
$10,000
1.24%
▼
Rate1.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
3 Month Certificate
$10,000
1.00%
▼
Rate1.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1990 Westwood Blvd, Los Angeles, CA 90025
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
3 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum to open & earn dividends: $100,000
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
3-month IRA Traditional & Roth Share Certificates
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Share Certificate Accounts and IRA Share Certificates 3 month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3683 Crenshaw Blvd, Los Angeles, CA 90016
UNITY 90 Day CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
7900 Downing Ave, Bakersfield, CA 93308
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
6501 Ming Ave, Bakersfield, CA 93309
6 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
4106 California Ave Ste 1, Bakersfield, CA 93309 1095
6 Month Term Savings Certificate Account
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA 93301 3210
6-Month Certificate
$1,000
0.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000.00 - $9,999.99
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3080 N Lake Blvd, Tahoe City, CA 96145
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
6 Month Savings Certificate
$250,000
4.00%
▼
Rate3.92%
Min Deposit$250,000
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
6 Month Certificate of Deposit (IRA)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
6 Month CD
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
6 month Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CD 6 month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Regular CD 6-month
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
6 Month Bonus Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
New Money 6 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5300 N FRESNO ST, FRESNO, CA 93710 6828
IRA - 6 Month Certificate
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6331 Skyway, Paradise, CA 95969
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121 4205
BluRipple Term Certificates 6 Month Intro
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
6 MONTH CERTIFICATE
$100
3.45%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
1888 Century Park E, Los Angeles, CA 90067
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
6 MONTH CERTIFICATE
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
6 Month Certificate of Deposit
$10,000
3.32%
▼
Rate3.27%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificates 6 month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Traditional/Roth IRA Jumbo Certificate 6-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum to open & earn dividends: $100,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
6 Month CD
$1,000
3.24%
▼
Rate3.19%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 Min.
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
6 Month Certificate Special
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo Certificates 6 Month
$50,000
3.15%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1415 W Lacey Blvd, Hanford, CA 93230
6 Month Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
PO Box 330, Angwin, CA 94508 0330
6 Month Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$1,000.00 Minimum Balance
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA 95814 2607
6-MONTH Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
19867 Prairie St, Chatsworth, CA 91311 6532
Youth Launch Certificate 6-Month Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
6 Month Certificate
$10,000
2.90%
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
6-Month Share Certificates
$50,000
2.80%
▼
Rate2.77%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
6 month Certificates and IRAs
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
6 MONTH CERTIFICATE
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
6 Month Term Share & IRA Term Share Accounts
$100,000
2.73%
▼
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 6 Month
$1,000
2.70%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
6 Month CD 100,000.00+
$100,000
2.69%
▼
Rate2.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
3954 E Main St, Ventura, CA 93003
6-Month Share Certificates
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA 92705
6 Month Business Certificate
$100,000
2.35%
▼
Rate2.32%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
266 S Magnolia Ave Ste 101, El Cajon, CA 92020
6 Month Certificate
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
6-month IRA Traditional & Roth Share Certificates
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
6 Month Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
6-Month Share Certificates
$0
2.03%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
6 Month Certificate
$50,000
1.81%
▼
Rate1.80%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA 90241 3718
6 month Certificates
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1990 Westwood Blvd, Los Angeles, CA 90025
6 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Ontario Public Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
202 W B St, Ontario, CA 91762
6 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
7900 Downing Ave, Bakersfield, CA 93308
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$10,000 - $49,999.99
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2100 H St, Bakersfield, CA 93301
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA 93311
12-Month Variable Rate Certificate
$0
3.77%
▼
Rate3.71%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
6501 Ming Ave, Bakersfield, CA 93309
12 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
4106 California Ave Ste 1, Bakersfield, CA 93309 1095
12 Month Term Savings Certificate Account
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
United Security Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
3404 Coffee Rd, Bakersfield, CA 93308
1 year CD & over
$100,000
0.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA 93301 3210
1-Year IRA
$50,000
0.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
$50,000.00 & over
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
300 Arneill Rd, Camarillo, CA 93010
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
APY= Annual Percentage Yield. Stated rate is 4.169%. APY is accurate as of April 1, 2026. $500.00 minimum deposit required. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5300 N FRESNO ST, FRESNO, CA 93710 6828
IRA - 12 Month Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
1 year Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
12-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 12 Month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
12 Month Bonus Certificates
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
IRA - 1 Year k
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$100
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3200 Wilshire Blvd, Los Angeles, CA 90010
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Limited time offer. Only available in our branches.
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Regular CD 12-month
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 12 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$50,000
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 12-month CD
$1,000
3.66%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
1912 W Sunset Blvd, Los Angeles, CA 90026
12-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA 94089 1005
1-Year Certificate Account
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 12 Month Certificate
$1,500
3.56%
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1415 W Lacey Blvd, Hanford, CA 93230
12 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
1 Year Savings Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
New Money 12 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
1-Year Certificate and IRA Certificates
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
1 YEAR CERTIFICATE
$0
3.38%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
1 year CDARS-CD
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
12-Month Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificates 1 year
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
12 MONTH CERTIFICATE
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
321 Wabash Ave, Eureka, CA 95501
12-Month Term Share Certificate
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
1 Year Certificate of Deposit
$10,000
3.17%
▼
Rate3.12%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
12-Month Certificate of Deposit IRA
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
12 Month Certificate
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6735 Forest Lawn Dr, Hollywood, CA 90068
Retirement Certificates 1 Year
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
12 Month Certificate Special
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
12 MONTH CERTIFICATE
$100
3.03%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo Certificates 12 Month
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
255 California St Ste 600, San Francisco, CA 94111
IRA CDs2,4 1 year
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Merco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1911 M ST, Merced, CA 95340 3706
1 Year Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
12-Month Share Certificates
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
12 month Certificates and IRAs
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA 92821 5819
1 year Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
1 Year CD
$1,000
2.83%
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 Min.
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 1 Year
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
1 Year Term Share & IRA Term Share Accounts
$100,000
2.78%
▼
Rate2.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121 4205
BluRipple Term Certificates 12 Month Intro
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
9420 Farnham St, San Diego, CA 92123
1 year add on Certificate Account
$50
2.63%
▼
Rate2.60%
Min Deposit$50
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
7900 Downing Ave, Bakersfield, CA 93308
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
6501 Ming Ave, Bakersfield, CA 93309
18 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
4106 California Ave Ste 1, Bakersfield, CA 93309 1095
18 Month Term Savings Certificate Account
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Jumbo CD senior 18-month
$50,000
4.10%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
18-Month CD Term
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
18-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 18 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Over $90,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000 Minimum to Earn APY
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 18 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3992 Douglas Blvd, Roseville, CA 95661
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 18-month CD
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1415 W Lacey Blvd, Hanford, CA 93230
18 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
18 month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Rewards+ Loyalty Program
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
18-Month Certificate and IRA Certificates
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2310 E El Segundo Blvd, El Segundo, CA 90245
18-month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 18 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
18 Month Term Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
18 Month Certificate
$10,000
3.15%
▼
Rate3.10%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 18 Month Certificate
$1,500
3.05%
▼
Rate3.01%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
18 Month Certificate of Deposit
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
18-Month Share Certificates
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
18 Month Certificate
$50,000
2.63%
▼
Rate2.60%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
18 Month Certificates
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA 92705
18 Month Business Certificate
$100,000
2.55%
▼
Rate2.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
18-Month Share Certificates
$0
2.54%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
Special 18 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
18 Month CD
$1,000
2.43%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
18-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CD 1.5 year
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
18 Month Savings Certificate
$350,000
1.70%
▼
Rate1.68%
Min Deposit$350,000
Min Balance—
UpdatedApr 4, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Share Certificate Accounts and IRA Share Certificates 18 month
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
18 Month IRA
$250
0.50%
▼
Rate0.50%
Min Deposit$250
Min Balance—
UpdatedApr 4, 2026
Details
United Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3650 E Ashlan Ave, Fresno, CA 93726
18 Month Certificate of Deposits - Standard & IRA Available
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
7900 Downing Ave, Bakersfield, CA 93308
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$100,000 and over
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
6501 Ming Ave, Bakersfield, CA 93309
24 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
4106 California Ave Ste 1, Bakersfield, CA 93309 1095
24 Month Term Savings Certificate Account
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA 93311
24-Month Bump-Up Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA 93301 3210
2-Year IRA
$50,000
0.80%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
$50,000.00 & over
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
24-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 4, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Jumbo CD 24-month
$50,000
3.95%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2580 W Shaw Ln, Fresno, CA 93711 2778
1-2 Year Share Certificate
$250,000
3.87%
▼
Rate3.80%
Min Deposit$250,000
Min Balance—
UpdatedApr 4, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 24 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Over $90,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
24 Month Bonus Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Jumbo College Saver Certificates 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum to open & earn dividends: $100,000
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 24 Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5300 N FRESNO ST, FRESNO, CA 93710 6828
24 Month - Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA 94089 1005
2-Year Certificate Account
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
2-Year Certificate and IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
24 month Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Rewards+ Loyalty Program
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2310 E El Segundo Blvd, El Segundo, CA 90245
24-month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 24 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
New Money 24 Month CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates 2 Year
$0
3.29%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1800 BROADVIEW DR, GLENDALE, CA 91208
IRA Certificates 2 Year
$100
3.20%
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo Certificates 24 Month
$50,000
3.15%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
24-Month Share Certificates
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7812 Edinger Ave, Huntington Beach, CA 92647
2-Year Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
24 Month Certificate
$50,000
3.04%
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
24 MONTH CERTIFICATE
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 2 Year
$1,000
2.95%
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
24 month Certificates and IRAs
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
5615 Chesbro Ave, San Jose, CA 95123 3046
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
2 Year IRA
$5,000
2.89%
▼
Rate2.85%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
2-Year Share Certificates
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
24 MONTH CERTIFICATE
$100
2.83%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94118 1903
2 Year Certificate
$100
2.75%
▼
Rate2.71%
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
2 Year CD
$1,000
2.73%
▼
Rate2.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 Min.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 24 Month Certificate
$1,500
2.72%
▼
Rate2.69%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
24 Month Certificates
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
CDARS? CDs 2 year
$0
2.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Funding Limit: $1M
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA 92705
24 Month Business Certificate
$100,000
2.65%
▼
Rate2.62%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
255 California St Ste 600, San Francisco, CA 94111
IRA CDs2,4 2 year
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
2 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA 95382 2471
2 Year Certificate of Deposit
$1,000
2.40%
▼
Rate2.38%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
24-Month Share Certificates
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
24-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
2 Year Bump Up Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
42035 Washington St, Palm Desert, CA 92211
2 Year Time Deposit Account
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
24 Month Savings Certificate
$350,000
1.80%
▼
Rate1.78%
Min Deposit$350,000
Min Balance—
UpdatedApr 4, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1990 Westwood Blvd, Los Angeles, CA 90025
2 Year Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
7900 Downing Ave, Bakersfield, CA 93308
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$100,000 and over
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
6501 Ming Ave, Bakersfield, CA 93309
36 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2100 H St, Bakersfield, CA 93301
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA 93301 3210
36 Month Certificate
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000.00 - $9,999.99
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Elite Jumbo CD 36-month
$250,000
4.15%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 4, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
36-Month CD Term
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 36 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Over $90,000
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4493 Ruffin Rd, San Diego, CA 92123
36 MONTH JUMBO CD
$10,000
3.78%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
$10,000.00 minimum NEW MONEY investment in Certificate of Deposit to receive stated rate. Additional Certificate of Deposit rates and terms are available. Rates are subject to change. Fees may reduce earnings. Penalty for early withdrawal.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
36-month IRA Traditional & Roth Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
36 Month Bonus Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000 Minimum to Earn APY
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 36 Month
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
3-Year Certificate and IRA Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Jumbo College Saver Certificates 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum to open & earn dividends: $100,000
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
3 YEAR CERTIFICATE
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
36 MONTH CERTIFICATE
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA 95814 2607
36-MONTH Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates 3 Year
$0
3.34%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
36 Month Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
CDARS? CDs 3 year
$0
3.22%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Funding Limit: $0.5M
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2000 University Ave, East Palo Alto, CA 94303
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA 91502 1853
36-Month Share Certificates
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
36 month Share Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
321 Wabash Ave, Eureka, CA 95501
36-Month Term Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
36 Month Term Share Certificates
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
36 month Certificates and IRAs
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
36 Month Certificates
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
5615 Chesbro Ave, San Jose, CA 95123 3046
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
36 Month Certificate
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
36 month Certificate
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Non-Rewards+ Loyalty Program
Befit Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
640 E Main St, Vacaville, CA 95688 3933
36 month Certificate
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 3 Year
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
PO Box 330, Angwin, CA 94508 0330
3 Year Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
255 California St Ste 600, San Francisco, CA 94111
IRA CDs2,4 3 year
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7812 Edinger Ave, Huntington Beach, CA 92647
3-Year Certificate
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 36 Month Certificate
$1,500
2.65%
▼
Rate2.62%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
3 Year CD
$1,000
2.52%
▼
Rate2.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 Min.
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
3 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
3 Year Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
36 Month CD 100,000.00+
$100,000
2.43%
▼
Rate2.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
36 MONTH CERTIFICATE
$100
2.32%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
36-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
3-Year Share Certificates
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA 94531 6665
3-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
36-Month Share Certificates
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
36 Month Savings Certificate
$0
1.95%
▼
Rate1.92%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA 92705
36 Month Business Certificate
$1,000
1.85%
▼
Rate1.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
6501 Ming Ave, Bakersfield, CA 93309
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
4106 California Ave Ste 1, Bakersfield, CA 93309 1095
48 Month Term Savings Certificate Account
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA 93301 3210
48-Month Certificate
$1,000
0.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000.00 - $9,999.99
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
48-Month CD Term
$1,000
4.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
48-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 48 Month CD
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 48 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
48 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
48 MONTH CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
4-Year Certificate and IRA Certificates
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Jumbo College Saver Certificates 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum to open & earn dividends: $100,000
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
100 Walnut St, Pasadena, CA 91124
Regular CD 48-month
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
48 Month Share Certificates
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates 4 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
48 Month Certificate
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA 94710 2571
4 Year Certificate
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Jumbo Term Share Certificates & IRA Share Certificates 4 Year
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6026 Telephone Rd, Ventura, CA 93003 5332
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
48 Month Certificates
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2000 University Ave, East Palo Alto, CA 94303
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
48 month Certificates and IRAs
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
19867 Prairie St, Chatsworth, CA 91311 6532
48-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
48 Month Certificate
$10,000
2.99%
▼
Rate2.95%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
48 month Certificate
$1,000
2.85%
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Non-Rewards+ Loyalty Program
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7812 Edinger Ave, Huntington Beach, CA 92647
4-Year Certificate
$50,000
2.80%
▼
Rate2.77%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
48 month Share Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA 92705
48 Month Business Certificate
$25,000
2.75%
▼
Rate2.71%
Min Deposit$25,000
Min Balance—
UpdatedApr 4, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
4 Year Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
321 Wabash Ave, Eureka, CA 95501
48-Month Term Share Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
4 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
48 Month CD
$1,000
2.43%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
48-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
4-Year Share Certificates
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA 94531 6665
4-Year Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
48-Month Share Certificates
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
170 N Market St, Inglewood, CA 90301
48 Month CD
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 48 Month Certificate
$1,500
1.96%
▼
Rate1.94%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
48 MONTH CERTIFICATE
$100
1.81%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1990 Westwood Blvd, Los Angeles, CA 90025
4 Year Certificate
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
23971 Lake Dr, Crestline, CA 92325
48 Month Share Certificate
$100,000
1.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Share Certificate Accounts and IRA Share Certificates 48 month
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
8811 Grossmont Blvd, La Mesa, CA 91942
48-Month Certificate
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
7900 Downing Ave, Bakersfield, CA 93308
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$100,000 and over
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
6501 Ming Ave, Bakersfield, CA 93309
60 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
4106 California Ave Ste 1, Bakersfield, CA 93309 1095
60 Month Term Savings Certificate Account
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA 93301 3210
60-Month Certificate
$1,000
0.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000.00 - $9,999.99
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
249 E Ocean Blvd, Long Beach, CA 90802
60-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
60 MONTH CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
60 Month Share Certificates
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
5-Year Certificate and IRA Certificates
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
6 to 60-Month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$500 minimum balance
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 60 Month CD
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 60 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
60 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1562 S Bascom Ave, San Jose, CA 95125 6108
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Jumbo College Saver Certificates 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum to open & earn dividends: $100,000
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
434 W Alameda Ave, Burbank, CA 91506
1 - 5 Year Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
60 Month Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
5 YEAR CERTIFICATE
$0
3.59%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000 Minimum to Earn APY
UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3000 W Magnolia Blvd, Burbank, CA 91505 3043
IRA Certificates (CD) with 60 month term
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates 5 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
3.5-Year Bump Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3807 Broad St, San Luis Obispo, CA 93401
Certificate 5 year
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 5 Year
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA 92123
IRA Share Certificates 60 Month
$0
3.25%
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA 91763
60-Mo Trad/Roth IRA CD
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
60 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
520 N Taylor Ave, Montebello, CA 90640
60 month Certificates and IRAs
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5757 Wilshire Blvd, Los Angeles, CA 90036 3684
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
No monthly fee
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
60 month Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Non-Rewards+ Loyalty Program
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA 92705
60 Month Business Certificate
$100,000
2.95%
▼
Rate2.91%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
266 W Main St, Woodland, CA 95695
Certificate Rate 60 month term
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
5 Year Certificate
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA 94509 1586
5 Year CD
$1,000
2.62%
▼
Rate2.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
$1,000 Min.
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
60 Month CD
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
5 Year Certificate of Deposit
$10,000
2.50%
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
60-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
60 Month Term Share Certificates
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA 94531 6665
5-Year Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 60 Month Certificate
$1,500
2.09%
▼
Rate2.07%
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
321 Wabash Ave, Eureka, CA 95501
60-Month Term Share Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
SLO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.96%
1220 Osos St, San Luis Obispo, CA 93401 3620
60 MONTH CERTIFICATE
$100
1.81%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
42035 Washington St, Palm Desert, CA 92211
5 Year Time Deposit Account
$0
1.80%
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA 94553 1976
IRA 60-Month
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
23971 Lake Dr, Crestline, CA 92325
60 Month Share Certificate
$100,000
1.35%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Share Certificate Accounts and IRA Share Certificates 60 month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
60 Month CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
919 N Center St, Stockton, CA 95202
60 Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Frequently Asked Questions about CD Rates in Bakersfield, California
Are CD rates in Bakersfield, California FDIC insured?
Yes, most established banks in Bakersfield, 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 Bakersfield, 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 Bakersfield, 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 Bakersfield, 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 Bakersfield, California?
Here are recent top rates found for this area:
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- Self-Help Federal Credit Union: 3.82% APY (1-Year Certificate)
- Safe 1 Credit Union: 3.77% APY (12-Month Variable Rate Certificate)
- AltaOne Federal Credit Union: 3.61% APY (60 Month Term Share and Traditional, Roth & SEP IRA Certificates)
- The Golden 1 Credit Union: 3.55% APY (60 Month Term Savings Certificate Account)
- Bakersfield City Employees Federal Credit Union: 0.85% APY (60-Month Certificate)
- United Security Bank: 0.80% APY (1 year CD & over)
- Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
- CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
Rates reflect recent verified offers available in Bakersfield, California. Last Updated: April 4, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bakersfield, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Bakersfield, California. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 4, 2026
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