Bakersfield, California CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Bakersfield, California CD rates include Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.51%Real return: +1.20%APY minus CPI (February 2026) offering 5 Year IRA at 4.00% APY, Safe 1 Credit UnionSafe 1 Credit Union1400 Mill Rock Way, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 1.41%Real return: +0.97%APY minus CPI (February 2026) offering 12-Month Variable Rate Certificate at 3.77% APY, Chevron Federal Credit UnionChevron Federal Credit Union9525 Camino Media, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.14%Real return: +0.95%APY minus CPI (February 2026) offering 12-Month Share Certificate at 3.75% APY, Strata Federal Credit UnionStrata Federal Credit Union1717 Truxtun Ave, Bakersfield, CA 93301 5102A+5.0 ★Texas Ratio: 1.59%Real return: +0.95%APY minus CPI (February 2026) offering 12 Months at 3.75% APY, and AltaOne Federal Credit UnionAltaOne Federal Credit Union6501 Ming Ave, Bakersfield, CA 93309A5.0 ★Texas Ratio: 6.07%Real return: +0.91%APY minus CPI (February 2026) offering 18 Month Bump at 3.71% APY. CD rates as of June 29, 2026 according to verified data from MonitorBankRates.
Bakersfield has 112 local institutions in our database, with CD rates as high as 4.00% APY from Firefighters First Federal Credit Union at 7900 Downing Ave, Bakersfield, CA 93308. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 29, 2026
Compare Best CD Rates in Bakersfield, California & the Surrounding Area
Bakersfield 3 Month CD Rates
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Annual Percentage Yield. Term and Conditions apply.
APY: Annual Percentage Yield
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.57%; Non-Rewards+ Loyalty Program APY1: 2.60%
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months. $500 minimum opening balance. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 3-month term - regardless of changing interest rates. After 3 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.
Maximum $100,000 per member
$100,000 per member maximum
Balance $100,000 - $199,999.99
Balance $50,000 - $99,999.99
Balance $1,000 - $49,999.99
Interest Rate: 3.20%; APY: 3.25%
Maximum $100,000 per member
$100,000 per member maximum
Bakersfield 6 Month CD Rates
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Balance range: $1,000.00 - $9,999.99
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
A minimum deposit of $1,000 is required to open a CD | Rates subject to change | Member FDIC
Requires a minimum $20,000 deposit of new money. Promotion period: Effective immediately through June 30, 2026.
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal. Member FDIC
Rates effective as of 04/17/2026. APY = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information. Membership required. Federally Insured by NCUA.
APY* = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information. Membership required. Federally Insured by NCUA. 3-month term not available on IRA Certificates.
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Guaranteed return. No deposit limit. Federally insured.
Jumbo APY: 3.75%; Jumbo Rate: 3.68%
Annual Percentage Yield. Term and Conditions apply.
Promotional offer.
Fixed
Opened over the telephone or in a Wealth Center.
Only available to existing Premier customers.
$10,000
APY: Annual Percentage Yield
Bakersfield 12 Month CD Rates
Dividend Rate $10,000 - $49,999.99: 3.84%, Annual Percentage Yield $10,000 - $49,999.99: 3.91%, Dividend Rate $50,000 - $99,999.99: 3.84%, Annual Percentage Yield $50,000 - $99,999.99: 3.91%, Dividend Rate $100,000 and over: 3.84%, Annual Percentage Yield $100,000 and over: 3.91%
Dividend Rate: 3.74% for $1,000 - $49,999.99; Dividend Rate: 3.74% for $50,000 - $99,999.99; Dividend Rate: 3.74% for $100,000 and over
Variable Rate
IRA:$25.00
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Balance range: $50,000.00 & over
Balance range: $10,000.00 - $49,999.99
Balance range: $1,000.00 - $9,999.99
Balance range: $1,000.00 - $9,999.99
Stated rate is 4.169%. APY is accurate as of June 1, 2026. Fees can reduce earnings on the account. Early withdrawal penalties may apply. Offers may be modified or ended without notice.
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 3.06%; Non-Rewards+ Loyalty Program APY1: 3.10%
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal. Member FDIC
APY* = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information. Membership required. Federally Insured by NCUA. 3-month term not available on IRA Certificates.
Bakersfield 18 Month CD Rates
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Featured rate
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 3.06%; Non-Rewards+ Loyalty Program APY1: 3.10%
Minimum balance to earn APY: $100,000
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Variable Rate
$100
For a limited time only, pick your certificate term!
Limited Time Only. IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity.
Dividends paid annually and at maturity
Rates effective as of 04/17/2026. APY = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information. Membership required. Federally Insured by NCUA.
APY* = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information. Membership required. Federally Insured by NCUA. 3-month term not available on IRA Certificates.
Bakersfield 24 Month CD Rates
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Variable Rate Type
Bump-Up Certificate; Rate Type: Variable
Balance range: $50,000.00 & over
Balance range: $10,000.00 - $49,999.99
Balance range: $1,000.00 - $9,999.99
Balance range: $10,000.00 - $49,999.99
Balance range: $1,000.00 - $9,999.99
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Opened over the telephone or in a Wealth Center.
Only available to existing Premier customers.
Platinum
$100
Gold
Fixed
Silver
Bakersfield 36 Month CD Rates
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Balance range: $10,000.00 - $49,999.99
Balance range: $1,000.00 - $9,999.99
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
One great rate.
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Minimum balance to earn APY: $100,000
Platinum
Gold
Silver
$100
Standard
IRA $2,000
Bakersfield 48 Month CD Rates
Balance range: $1,000.00 - $9,999.99
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Platinum
Gold
Silver
$100
Standard
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Minimum balance to earn APY: $100,000
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.
Balance $100,000 - $199,999.99
Bakersfield 60 Month CD Rates
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Balance range: $1,000.00 - $9,999.99
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.96%; Non-Rewards+ Loyalty Program APY1: 3.00%
Rate is 0.100% APY lower for non-GoldStar? members
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Platinum
Gold
Silver
APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Standard
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.
APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
$100
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Bakersfield, CA CD Rate Trends
Compare local Bakersfield, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California 12-month CD rates fell 0.044 points over the past 7 days to 2.234% APY.
California 6-month CD rates fell 0.018 points over the past 7 days to 1.374% APY.
CA CD Rate Forecast — Next 12 Months
Where are California CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at CA CD Rates Today
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.320% | $66.01 | $132.02 | $330.05 | $660.10 |
| 6-Month CD | 1.374% | $68.70 | $137.40 | $343.50 | $687.00 |
| 12-Month CD | 2.234% | $111.72 | $223.43 | $558.58 | $1,117.15 |
| 18-Month CD | 2.663% | $133.17 | $266.34 | $665.85 | $1,331.70 |
| 24-Month CD | 2.646% | $132.32 | $264.63 | $661.58 | $1,323.15 |
| 36-Month CD | 2.673% | $133.64 | $267.28 | $668.20 | $1,336.40 |
| 48-Month CD | 2.771% | $138.54 | $277.07 | $692.68 | $1,385.35 |
| 60-Month CD | 2.894% | $144.69 | $289.38 | $723.45 | $1,446.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 29, 2026. | |||||
Sample CD Ladder for Bakersfield, California Savers
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.320% | $66.01 |
| 2 | 6-Month CD | $5,000 | 1.374% | $68.70 |
| 3 | 12-Month CD | $5,000 | 2.234% | $111.72 |
| 4 | 24-Month CD | $5,000 | 2.646% | $132.32 |
| 5 | 36-Month CD | $5,000 | 2.673% | $133.64 |
| Total ($25,000 invested) | $25,000 | 2.050% blended | $512.39/yr | |
Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Bakersfield, California
About Our Bakersfield, California CD Rate Database
MonitorBankRates tracks 1,181 CD rates from 18 banks and 98 credit unions with locations in Bakersfield, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Firefighters First Federal Credit Union offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Bakersfield, California.
How to Find the Best CD Rates in Bakersfield, California
What to compare when shopping for a CD in Bakersfield, California
To find the best APYs in Bakersfield, California, start with credit unions and online-only banks — Bakersfield, California has 98 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Bakersfield, California
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Bakersfield, California — 116 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Bakersfield, California savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Bakersfield, California money market rates
Bakersfield, California Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
11.3% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 7.0% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 2.234%, saving 10% of the local median salary ($3,991/year) and putting it in a CD would earn an additional $89 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Bakersfield, California
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Bakersfield, California
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Bakersfield, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Bakersfield, California as everywhere in the U.S.
Choosing a CD Term in Bakersfield, California
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Bakersfield, California savers easier access to their funds. For example, Firefighters First Federal Credit Union is offering its 6 Month IRA at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Firefighters First Federal Credit Union is offering its 5 Year IRA at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Bakersfield, California Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Bakersfield, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Bakersfield, California
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Bakersfield, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Bakersfield, California
Most CDs carry a fixed rate that is locked for the entire term, protecting a Bakersfield, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Bakersfield, California
Are CD rates in Bakersfield, California FDIC insured?
Do I have to pay state taxes on CD interest in Bakersfield, California?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Bakersfield, California?
- Firefighters First Federal Credit Union: 4.00% APY (5 Year IRA)
- Safe 1 Credit Union: 3.77% APY (12-Month Variable Rate Certificate)
- Strata Federal Credit Union: 3.75% APY (12 Months)
- Chevron Federal Credit Union: 3.75% APY (12-Month Share Certificate)
- AltaOne Federal Credit Union: 3.71% APY (18 Month Bump)
- The Golden 1 Credit Union: 3.55% APY (60 Month Certificate)
- Energy One Federal Credit Union: 3.35% APY (12 months)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Valley Strong Credit Union: 1.51% APY (36 Months Share Certificate)
- Bakersfield City Employees Federal Credit Union: 0.85% APY (60-Month Certificate)
CD Calculators for Bakersfield, California
At today’s CA top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Bakersfield, California CD LadderCA CD rates currently range from 1.320% (3-month) to 2.673% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bakersfield, California CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.234% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bakersfield, California CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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.
Bakersfield, California Rates & Resources
