MonitorBankRates
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Buttonwillow, California Best CD Rates August 2026

Current Buttonwillow, California CD rates include Schools Federal Credit UnionSchools Federal Credit UnionA+5.0 ★Texas Ratio: 1.27%Real return: +3.10%APY minus CPI (February 2026) offering Relationship Certificate (12 months) at 5.90% APY, Habib American HAB BankHabib American HAB BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.70%APY minus CPI (February 2026) offering 12 Months at 4.50% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month CD at 4.50% APY, Educational Employees Credit UnionEducational Employees Credit UnionA+5.0 ★Texas Ratio: 0.67%Real return: +1.70%APY minus CPI (February 2026) offering Share Saver Certificate - 12-Month Term at 4.50% APY, and Corazo Credit UnionCorazo Credit UnionA5.0 ★Texas Ratio: 7.90%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month at 4.50% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.

Buttonwillow is a smaller community with no bank or credit union branches currently in our database. 747 institutions serving the California area are available to Buttonwillow residents, with CD rates as high as 5.90% APY from Schools Federal Credit Union. 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: August 28, 2026

Compare Best CD Rates in Buttonwillow, California & the Surrounding Area

Buttonwillow 3 Month CD Rates

California 3 Month CD Average1.06% APYNational 1.96%▼ 1.39% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$0
4.50% ▲ 3.44% above California avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 3.44% above avgNationally 1.96%
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00% ▲ 2.94% above California avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.94% above avgNationally 1.96%
Details

Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
3-MONTH CD
$0
4.00% ▲ 2.94% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.94% above avgNationally 1.96%
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 2.79% above California avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.79% above avgNationally 1.96%
Details

Special Offer. balances under $100k

Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3-Month CD
$0
3.80% ▲ 2.74% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.74% above avgNationally 1.96%
Details

State Bank of India US
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$0
3.75% ▲ 2.69% above California avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.69% above avgNationally 1.96%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 month
$0
3.75% ▲ 2.69% above California avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.69% above avgNationally 1.96%
Details

Rewards+ Loyalty Program

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 month Certificate
$500
3.75% ▲ 2.69% above California avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.69% above avgNationally 1.96%
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month IRA Pick-A-Term
$0
3.60% ▲ 2.54% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.54% above avgNationally 1.96%
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month Pick-A-Term
$0
3.60% ▲ 2.54% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.54% above avgNationally 1.96%
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month CD
$500
3.55% ▲ 2.49% above California avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.49% above avgNationally 1.96%
Details

Account matures in 3 months.

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.50% ▲ 2.44% above California avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.44% above avgNationally 1.96%
Details

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month IRA CD (91-Day)
$1,000
3.50% ▲ 2.44% above California avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.44% above avgNationally 1.96%
Details

EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Months
$0
3.50% ▲ 2.44% above California avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.44% above avgNationally 1.96%
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
3 months
$500
3.50% ▲ 2.44% above California avg
Rate3.44%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.44% above avgNationally 1.96%
Details

Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
3 Months
$0
3.50% ▲ 2.44% above California avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.44% above avgNationally 1.96%
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month
$0
3.50% ▲ 2.44% above California avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.44% above avgNationally 1.96%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Share Certificate
$1,000
3.50% ▲ 2.44% above California avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.44% above avgNationally 1.96%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Month Certificate
$0
3.50% ▲ 2.44% above California avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.44% above avgNationally 1.96%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 3 Month
$0
3.50% ▲ 2.44% above California avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.44% above avgNationally 1.96%
Details

$95,000

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 3 months
$0
3.45% ▲ 2.39% above California avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.39% above avgNationally 1.96%
Details

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days
$0
3.41% ▲ 2.35% above California avg
Rate3.34%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.35% above avgNationally 1.96%
Details

Maximum $100,000 per member

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate Account and IRA Account 90 Days
$100,000
3.41% ▲ 2.35% above California avg
Rate3.34%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.35% above avgNationally 1.96%
Details

EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Months
$0
3.40% ▲ 2.34% above California avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.34% above avgNationally 1.96%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 3 months
$0
3.40% ▲ 2.34% above California avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.34% above avgNationally 1.96%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 3 months
$0
3.35% ▲ 2.29% above California avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.29% above avgNationally 1.96%
Details

EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3 Months
$0
3.30% ▲ 2.24% above California avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.24% above avgNationally 1.96%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 3 months
$0
3.30% ▲ 2.24% above California avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.24% above avgNationally 1.96%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30% ▲ 2.24% above California avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.24% above avgNationally 1.96%
Details

Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
90 Day
$10,000
3.27% ▲ 2.21% above California avg
Rate3.22%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.21% above avgNationally 1.96%
Details

Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
3 Month CD
$0
3.25% ▲ 2.19% above California avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.19% above avgNationally 1.96%
Details

Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3 Months
$0
3.25% ▲ 2.19% above California avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.19% above avgNationally 1.96%
Details

Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-month Certificate
$0
3.25% ▲ 2.19% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.19% above avgNationally 1.96%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
3-Month Emergency Fund Certificate
$100
3.25% ▲ 2.19% above California avg
Rate3.20%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.19% above avgNationally 1.96%
Details

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days
$0
3.15% ▲ 2.09% above California avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.09% above avgNationally 1.96%
Details

Maximum $100,000 per member

Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
Certificate Account and IRA Account 90 Days
$100,000
3.15% ▲ 2.09% above California avg
Rate3.10%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.09% above avgNationally 1.96%
Details

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$90,000
3.10% ▲ 2.04% above California avg
Rate
Min Deposit$90,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.04% above avgNationally 1.96%
Details

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$50,000
3.08% ▲ 2.02% above California avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.02% above avgNationally 1.96%
Details

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$10,000
3.06% ▲ 2.00% above California avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 2.00% above avgNationally 1.96%
Details

Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3-Month CD
$0
3.05% ▲ 1.99% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.99% above avgNationally 1.96%
Details

California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Jumbo Certificate 3 Month
$0
3.05% ▲ 1.99% above California avg
Rate3.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.99% above avgNationally 1.96%
Details

Water and Power Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.74%
3 months
$0
3.05% ▲ 1.99% above California avg
Rate3.01%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.99% above avgNationally 1.96%
Details

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
3 Month
$0
3.04% ▲ 1.98% above California avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.98% above avgNationally 1.96%
Details

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$1,000
3.03% ▲ 1.97% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.97% above avgNationally 1.96%
Details

Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
3 Months
$0
3.00% ▲ 1.94% above California avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.94% above avgNationally 1.96%
Details

Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-month Certificate
$0
3.00% ▲ 1.94% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.94% above avgNationally 1.96%
Details

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
3 Month
$0
3.00% ▲ 1.94% above California avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.94% above avgNationally 1.96%
Details

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3-MONTH
$0
3.00% ▲ 1.94% above California avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.94% above avgNationally 1.96%
Details

California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month
$1,000
3.00% ▲ 1.94% above California avg
Rate2.97%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.94% above avgNationally 1.96%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 Month CD
$0
2.94% ▲ 1.88% above California avg
Rate2.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.06%▲ 1.88% above avgNationally 1.96%
Details

Buttonwillow 6 Month CD Rates

California 6 Month CD Average1.31% APYNational 2.67%▼ 1.36% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Months
$0
4.50% ▲ 3.19% above California avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 3.19% above avgNationally 2.67%
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD
$1,000
4.35% ▲ 3.04% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 3.04% above avgNationally 2.67%
Details

Upward Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 months
$500
4.25% ▲ 2.94% above California avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.94% above avgNationally 2.67%
Details

Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
6 Month Birthday Promo
$500
4.25% ▲ 2.94% above California avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.94% above avgNationally 2.67%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 6 months
$500
4.20% ▲ 2.89% above California avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.89% above avgNationally 2.67%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month "New Money" CD
$1,000
4.15% ▲ 2.84% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.84% above avgNationally 2.67%
Details

"New Money" is defined as funds not currently on deposit. Early withdrawal penalties may apply.

Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6 MONTH CERTIFICATE SPECIAL
$10
4.07% ▲ 2.76% above California avg
Rate
Min Deposit$10
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.76% above avgNationally 2.67%
Details

Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6 Months
$0
4.07% ▲ 2.76% above California avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.76% above avgNationally 2.67%
Details

Dividends paid monthly.

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 months
$0
4.05% ▲ 2.74% above California avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.74% above avgNationally 2.67%
Details

Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.

Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04% ▲ 2.73% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.73% above avgNationally 2.67%
Details

APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.

Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
6-Month Share Certificate
$1,000
4.00% ▲ 2.69% above California avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Special 6-Month Fixed Rate
$0
4.00% ▲ 2.69% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

1

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Special 6-Month Fixed Rate CD
$10,000
4.00% ▲ 2.69% above California avg
Rate3.93%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
6-MONTH CD
$0
4.00% ▲ 2.69% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
6-MONTH IRA CD
$0
4.00% ▲ 2.69% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month - GoldStar? Membership
$5
4.00% ▲ 2.69% above California avg
Rate3.93%
Min Deposit$5
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6-Month Promotional IRA Share Certificate
$0
4.00% ▲ 2.69% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 months
$0
4.00% ▲ 2.69% above California avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 month
$0
4.00% ▲ 2.69% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

Rewards+ Loyalty Program

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 month Certificate
$500
4.00% ▲ 2.69% above California avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.69% above avgNationally 2.67%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month
$500
3.90% ▲ 2.59% above California avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.59% above avgNationally 2.67%
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6-Month Add-On Promotional Share Certificate
$0
3.90% ▲ 2.59% above California avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.59% above avgNationally 2.67%
Details

Additional deposits up to the initial opening deposit amount can be made at any time without penalty.

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month Share Certificate
$0
3.85% ▲ 2.54% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.54% above avgNationally 2.67%
Details

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Get Fit Certificate 6 Month Certificate Basic
$500
3.85% ▲ 2.54% above California avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.54% above avgNationally 2.67%
Details

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Get Fit Certificate 6 Month Certificate Plus
$2,500
3.85% ▲ 2.54% above California avg
Rate3.78%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.54% above avgNationally 2.67%
Details

Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6 MONTH CERTIFICATE SPECIAL
$5
3.81% ▲ 2.50% above California avg
Rate
Min Deposit$5
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.50% above avgNationally 2.67%
Details

Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6 Months
$0
3.81% ▲ 2.50% above California avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.50% above avgNationally 2.67%
Details

Dividends paid monthly.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 6 months
$1,000
3.80% ▲ 2.49% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.49% above avgNationally 2.67%
Details

Exclusively for Premier clients. New Money is determined at HSBC's discretion.

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
6 months
$500
3.75% ▲ 2.44% above California avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.44% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.75% ▲ 2.44% above California avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.44% above avgNationally 2.67%
Details

California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month Certificate
$0
3.75% ▲ 2.44% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.44% above avgNationally 2.67%
Details

Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month
$1,000
3.75% ▲ 2.44% above California avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.44% above avgNationally 2.67%
Details

Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$1,000
3.75% ▲ 2.44% above California avg
Rate3.68%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.44% above avgNationally 2.67%
Details

Available for IRA and Business Accounts4

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Business 6 Months
$0
3.75% ▲ 2.44% above California avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.44% above avgNationally 2.67%
Details

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
3.70% ▲ 2.39% above California avg
Rate3.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.39% above avgNationally 2.67%
Details

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month IRA CD (182-Day)
$1,000
3.70% ▲ 2.39% above California avg
Rate3.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.39% above avgNationally 2.67%
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month
$1,000
3.70% ▲ 2.39% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.39% above avgNationally 2.67%
Details

Early withdrawal penalties may apply.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$1,000
3.70% ▲ 2.39% above California avg
Rate3.64%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.39% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month
$50,000
3.70% ▲ 2.39% above California avg
Rate3.64%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.39% above avgNationally 2.67%
Details

Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
6 Months
$0
3.65% ▲ 2.34% above California avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.34% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$1,000
3.65% ▲ 2.34% above California avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.34% above avgNationally 2.67%
Details

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6-Month Certificate
$0
3.65% ▲ 2.34% above California avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.34% above avgNationally 2.67%
Details

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6-Month Certificate Account
$0
3.65% ▲ 2.34% above California avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.34% above avgNationally 2.67%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
6 Month Certificate
$200
3.60% ▲ 2.29% above California avg
Rate3.54%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.29% above avgNationally 2.67%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Step Up Certificates 6 Month
$1,000
3.60% ▲ 2.29% above California avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.29% above avgNationally 2.67%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60% ▲ 2.29% above California avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.29% above avgNationally 2.67%
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6 Month IRA Pick-A-Term
$0
3.60% ▲ 2.29% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.29% above avgNationally 2.67%
Details

Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6 Month Pick-A-Term
$0
3.60% ▲ 2.29% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.29% above avgNationally 2.67%
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6-month CD
$1,000
3.56% ▲ 2.25% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.25% above avgNationally 2.67%
Details

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6-month Certificate
$0
3.55% ▲ 2.24% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average1.31%▲ 2.24% above avgNationally 2.67%
Details

Buttonwillow 12 Month CD Rates

California 12 Month CD Average2.12% APYNational 2.83%▼ 0.82% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Relationship Certificate (12 months)
$0
5.90% ▲ 3.78% above California avg
Rate5.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 3.78% above avgNationally 2.83%
Details

Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months
$0
4.50% ▲ 2.38% above California avg
Rate4.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 2.38% above avgNationally 2.83%
Details

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Share Saver Certificate - 12-Month Term
$0
4.50% ▲ 2.38% above California avg
Rate4.41%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 2.38% above avgNationally 2.83%
Details

maximum principal balance

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12-Month CD
$1,000
4.40% ▲ 2.28% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 2.28% above avgNationally 2.83%
Details

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Share Saver Certificate - 12-Month Term
$0
4.25% ▲ 2.13% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 2.13% above avgNationally 2.83%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Starter Add-On
$0
4.25% ▲ 2.13% above California avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 2.13% above avgNationally 2.83%
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12-month CD
$1,000
4.15% ▲ 2.03% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 2.03% above avgNationally 2.83%
Details

Featured rate

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates - 12 months
$50
4.15% ▲ 2.03% above California avg
Rate4.07%
Min Deposit$50
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 2.03% above avgNationally 2.83%
Details

payroll deposit only

Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA - 12 Month Certificate
$1,000
4.12% ▲ 2.00% above California avg
Rate4.04%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 2.00% above avgNationally 2.83%
Details

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 year
$0
4.10% ▲ 1.98% above California avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.98% above avgNationally 2.83%
Details

Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1-Year Certificate
$0
4.10% ▲ 1.98% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.98% above avgNationally 2.83%
Details

1.6x Higher than the national average

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On
$0
4.10% ▲ 1.98% above California avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.98% above avgNationally 2.83%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10% ▲ 1.98% above California avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.98% above avgNationally 2.83%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
12 Month CD
$0
4.07% ▲ 1.95% above California avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.95% above avgNationally 2.83%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1 Year Youth
$250
4.06% ▲ 1.94% above California avg
Rate3.98%
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.94% above avgNationally 2.83%
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate 1 Year
$0
4.05% ▲ 1.93% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.93% above avgNationally 2.83%
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months
$0
4.04% ▲ 1.92% above California avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.92% above avgNationally 2.83%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Step Up Certificates 1 Year
$1,000
4.00% ▲ 1.88% above California avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
12-MONTH CD
$0
4.00% ▲ 1.88% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
12-MONTH IRA CD
$0
4.00% ▲ 1.88% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1-year Term Share Certificate
$0
4.00% ▲ 1.88% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Epic Premium account holders will enjoy a .25% bonus on a new 1-year Term Share Certificate

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month - GoldStar? Membership
$5
4.00% ▲ 1.88% above California avg
Rate3.93%
Min Deposit$5
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Loyalty Share Certificate
$0
4.00% ▲ 1.88% above California avg
Rate3.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Months
$0
4.00% ▲ 1.88% above California avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Month Certificate
$0
4.00% ▲ 1.88% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Share Saver Certificate - 12-Month Term
$0
4.00% ▲ 1.88% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
12 Month Birthday Promo
$500
4.00% ▲ 1.88% above California avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12 Month Certificate
$0
4.00% ▲ 1.88% above California avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 12 Month
$0
4.00% ▲ 1.88% above California avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

$95,000

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 month
$0
4.00% ▲ 1.88% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 month - Rewards+ Loyalty Program
$0
4.00% ▲ 1.88% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 month Certificate
$500
4.00% ▲ 1.88% above California avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.88% above avgNationally 2.83%
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 12 months
$1,000
3.95% ▲ 1.83% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.83% above avgNationally 2.83%
Details

Exclusively for Premier clients. New Money is determined at HSBC's discretion.

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Get Fit IRA 1 Year Certificate
$0
3.95% ▲ 1.83% above California avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.83% above avgNationally 2.83%
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months
$500
3.92% ▲ 1.80% above California avg
Rate3.85%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.80% above avgNationally 2.83%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year
$0
3.91% ▲ 1.79% above California avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.79% above avgNationally 2.83%
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100,000
3.90% ▲ 1.78% above California avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.78% above avgNationally 2.83%
Details

Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month
$500
3.90% ▲ 1.78% above California avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.78% above avgNationally 2.83%
Details

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Share Certificate
$0
3.90% ▲ 1.78% above California avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.78% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89% ▲ 1.77% above California avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.77% above avgNationally 2.83%
Details

GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
12 Month Platinum TCD
$0
3.88% ▲ 1.76% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.76% above avgNationally 2.83%
Details

Terms and Conditions

City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$1,000
3.85% ▲ 1.73% above California avg
Rate3.78%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.73% above avgNationally 2.83%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12-Month Certificate
$0
3.85% ▲ 1.73% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.73% above avgNationally 2.83%
Details

Minimum to open is $1,000.

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
IRA - 1 Year k
$0
3.85% ▲ 1.73% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.73% above avgNationally 2.83%
Details

$100; My Rate

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85% ▲ 1.73% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.73% above avgNationally 2.83%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 12-Month
$0
3.85% ▲ 1.73% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.73% above avgNationally 2.83%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 12-Month
$0
3.85% ▲ 1.73% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.73% above avgNationally 2.83%
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12-Month College Saver
$200
3.85% ▲ 1.73% above California avg
Rate3.78%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.73% above avgNationally 2.83%
Details

California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12-Month Term
$1,000
3.85% ▲ 1.73% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.73% above avgNationally 2.83%
Details

Annual Percentage Yield accurate as of 08-25-2026. Dividends paid quarterly, the APY assumes that dividends will remain in the account until maturity. The maximum deposit amount is $478,000.00. Early withdrawals will incur a penalty. Subject to change without notice. Certificate will renew to a standard Certificate at non-promotional dividend rate in effect at the time of maturity based on the term and renewal balance.

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 1 Year
$0
3.85% ▲ 1.73% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.12%▲ 1.73% above avgNationally 2.83%
Details

Buttonwillow 18 Month CD Rates

California 18 Month CD Average2.60% APYNational 2.67%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18-Month CD
$1,000
4.50% ▲ 1.90% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.90% above avgNationally 2.67%
Details

Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Business 18 months
$0
4.15% ▲ 1.55% above California avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.55% above avgNationally 2.67%
Details

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18-Months Promotional Term
$1,000
4.10% ▲ 1.50% above California avg
Rate4.03%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.50% above avgNationally 2.67%
Details

Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
18-Months Promotional Term - IRA
$500
4.10% ▲ 1.50% above California avg
Rate4.03%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.50% above avgNationally 2.67%
Details

Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
18 Month CD
$0
4.07% ▲ 1.47% above California avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.47% above avgNationally 2.67%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
18-MONTH CD
$0
4.00% ▲ 1.40% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.40% above avgNationally 2.67%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
18-MONTH IRA CD
$0
4.00% ▲ 1.40% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.40% above avgNationally 2.67%
Details

AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month Bump Certificate
$0
4.00% ▲ 1.40% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.40% above avgNationally 2.67%
Details

SCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
IRA Certificate Accounts 18 months
$0
4.00% ▲ 1.40% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.40% above avgNationally 2.67%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month - GoldStar? Membership
$5
4.00% ▲ 1.40% above California avg
Rate3.93%
Min Deposit$5
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.40% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
4.00% ▲ 1.40% above California avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.40% above avgNationally 2.67%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month
$0
4.00% ▲ 1.40% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.40% above avgNationally 2.67%
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month - Rewards+ Loyalty Program
$0
4.00% ▲ 1.40% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.40% above avgNationally 2.67%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month Certificate
$500
4.00% ▲ 1.40% above California avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.40% above avgNationally 2.67%
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months
$0
3.98% ▲ 1.38% above California avg
Rate3.91%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.38% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share Certificate
$1,000
3.95% ▲ 1.35% above California avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.35% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$50,000
3.95% ▲ 1.35% above California avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.35% above avgNationally 2.67%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month
$500
3.90% ▲ 1.30% above California avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.30% above avgNationally 2.67%
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.90% ▲ 1.30% above California avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.30% above avgNationally 2.67%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month
$1,000
3.90% ▲ 1.30% above California avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.30% above avgNationally 2.67%
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 months
$0
3.90% ▲ 1.30% above California avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.30% above avgNationally 2.67%
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 18 months
$0
3.90% ▲ 1.30% above California avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.30% above avgNationally 2.67%
Details

AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month Bump Certificate
$0
3.85% ▲ 1.25% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.25% above avgNationally 2.67%
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.85% ▲ 1.25% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.25% above avgNationally 2.67%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.85% ▲ 1.25% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.25% above avgNationally 2.67%
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 months
$0
3.85% ▲ 1.25% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.25% above avgNationally 2.67%
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 18 months
$0
3.85% ▲ 1.25% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.25% above avgNationally 2.67%
Details

$10,000 - $49,999

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months
$500
3.83% ▲ 1.23% above California avg
Rate3.76%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.23% above avgNationally 2.67%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
18 Month
$0
3.82% ▲ 1.22% above California avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.22% above avgNationally 2.67%
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.80% ▲ 1.20% above California avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.20% above avgNationally 2.67%
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.79% ▲ 1.19% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.19% above avgNationally 2.67%
Details

Variable Rate

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
18 Month Certificate
$200
3.75% ▲ 1.15% above California avg
Rate3.69%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.15% above avgNationally 2.67%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 18 Month
$200
3.75% ▲ 1.15% above California avg
Rate3.69%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.15% above avgNationally 2.67%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Step Up Certificate 18 Month
$200
3.75% ▲ 1.15% above California avg
Rate3.69%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.15% above avgNationally 2.67%
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
18 months
$500
3.75% ▲ 1.15% above California avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.15% above avgNationally 2.67%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.75% ▲ 1.15% above California avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.15% above avgNationally 2.67%
Details

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Traditional 18-month IRA Share Certificate
$1,000
3.65% ▲ 1.05% above California avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.05% above avgNationally 2.67%
Details

Contact Us Online; IRA Traditional & Roth Share Certificates

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18-month Share Certificate
$0
3.60% ▲ 1.00% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.00% above avgNationally 2.67%
Details

Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
18 Month
$1,000
3.60% ▲ 1.00% above California avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 1.00% above avgNationally 2.67%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 18 months
$500
3.50% ▲ 0.90% above California avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Month
$0
3.50% ▲ 0.90% above California avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Month Share Certificate
$1,000
3.50% ▲ 0.90% above California avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
18 Month Regular Certificate
$0
3.50% ▲ 0.90% above California avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

Upward Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
18 months
$500
3.50% ▲ 0.90% above California avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
18 Month
$500
3.50% ▲ 0.90% above California avg
Rate3.44%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
18 Month IRA
$0
3.50% ▲ 0.90% above California avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
18 Month Certificate
$0
3.50% ▲ 0.90% above California avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 18 Month
$0
3.50% ▲ 0.90% above California avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

$95,000

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18-Month Limited Time Only Promotional Certificate
$1,000
3.50% ▲ 0.90% above California avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity.

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18-Month Pick Your Term Certificate
$1,000
3.50% ▲ 0.90% above California avg
Rate3.44%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.60%▲ 0.90% above avgNationally 2.67%
Details

IRA Certificates are available. Rates Effective 04/27/2026. Limited Time Only.

Buttonwillow 24 Month CD Rates

California 24 Month CD Average2.78% APYNational 2.72%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 2 years
$500
4.40% ▲ 1.62% above California avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.62% above avgNationally 2.72%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 month
$0
4.25% ▲ 1.47% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.47% above avgNationally 2.72%
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 month - Rewards+ Loyalty Program
$0
4.25% ▲ 1.47% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.47% above avgNationally 2.72%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 month Certificate
$500
4.25% ▲ 1.47% above California avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.47% above avgNationally 2.72%
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24-Month CD
$1,000
4.20% ▲ 1.42% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.42% above avgNationally 2.72%
Details

Upward Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
24 months
$500
4.20% ▲ 1.42% above California avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.42% above avgNationally 2.72%
Details

Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.

Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1-2 Year Share Certificate
$0
4.13% ▲ 1.35% above California avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.35% above avgNationally 2.72%
Details

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 years
$0
4.10% ▲ 1.32% above California avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.32% above avgNationally 2.72%
Details

Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
24-Month Jumbo Promo Certificate
$100,000
4.10% ▲ 1.32% above California avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.32% above avgNationally 2.72%
Details

Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10% ▲ 1.32% above California avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.32% above avgNationally 2.72%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 2 year
$0
4.07% ▲ 1.29% above California avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.29% above avgNationally 2.72%
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 24 Months
$0
4.05% ▲ 1.27% above California avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.27% above avgNationally 2.72%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05% ▲ 1.27% above California avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.27% above avgNationally 2.72%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 2 year
$0
4.02% ▲ 1.24% above California avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.24% above avgNationally 2.72%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
24-MONTH CD
$0
4.00% ▲ 1.22% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.22% above avgNationally 2.72%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
24-MONTH IRA CD
$0
4.00% ▲ 1.22% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.22% above avgNationally 2.72%
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2-year Term Share Certificate
$0
4.00% ▲ 1.22% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.22% above avgNationally 2.72%
Details

Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month - GoldStar? Membership
$5
4.00% ▲ 1.22% above California avg
Rate3.93%
Min Deposit$5
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.22% above avgNationally 2.72%
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 24 Months
$0
4.00% ▲ 1.22% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.22% above avgNationally 2.72%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00% ▲ 1.22% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.22% above avgNationally 2.72%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24 Month CD
$0
3.97% ▲ 1.19% above California avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.19% above avgNationally 2.72%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 2 year
$0
3.97% ▲ 1.19% above California avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.19% above avgNationally 2.72%
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
24-Month Jumbo Promo Certificate
$100
3.95% ▲ 1.17% above California avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.17% above avgNationally 2.72%
Details

Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 24 Months
$0
3.95% ▲ 1.17% above California avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.17% above avgNationally 2.72%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 2 year
$0
3.92% ▲ 1.14% above California avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.14% above avgNationally 2.72%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business Step Up Certificates 2 Year
$1,000
3.90% ▲ 1.12% above California avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.12% above avgNationally 2.72%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month
$500
3.90% ▲ 1.12% above California avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.12% above avgNationally 2.72%
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 24 Months
$0
3.90% ▲ 1.12% above California avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.12% above avgNationally 2.72%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90% ▲ 1.12% above California avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.12% above avgNationally 2.72%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
2 Years
$500
3.85% ▲ 1.07% above California avg
Rate3.78%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.07% above avgNationally 2.72%
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 24 Months
$0
3.85% ▲ 1.07% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.07% above avgNationally 2.72%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24 Month
$0
3.82% ▲ 1.04% above California avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.04% above avgNationally 2.72%
Details

Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1-2 Year Share Certificate
$0
3.82% ▲ 1.04% above California avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.04% above avgNationally 2.72%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2 Year Certificate
$200
3.80% ▲ 1.02% above California avg
Rate3.74%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.02% above avgNationally 2.72%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 2 Year
$200
3.80% ▲ 1.02% above California avg
Rate3.74%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.02% above avgNationally 2.72%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Step Up Certificate 2 Year
$200
3.80% ▲ 1.02% above California avg
Rate3.74%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.02% above avgNationally 2.72%
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
24 months
$0
3.80% ▲ 1.02% above California avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.02% above avgNationally 2.72%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive
$0
3.80% ▲ 1.02% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.02% above avgNationally 2.72%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 2 Years
$100,000
3.80% ▲ 1.02% above California avg
Rate3.73%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.02% above avgNationally 2.72%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 2 Years
$100,000
3.80% ▲ 1.02% above California avg
Rate3.73%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.02% above avgNationally 2.72%
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24-Month Term Share Certificate
$0
3.80% ▲ 1.02% above California avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 1.02% above avgNationally 2.72%
Details

Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1-2 Year Share Certificate
$0
3.76% ▲ 0.98% above California avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 0.98% above avgNationally 2.72%
Details

Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share Certificates 24 Months
$1,000
3.75% ▲ 0.97% above California avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 0.97% above avgNationally 2.72%
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2 years
$500
3.75% ▲ 0.97% above California avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 0.97% above avgNationally 2.72%
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 Year
$1,000
3.75% ▲ 0.97% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 0.97% above avgNationally 2.72%
Details

Early withdrawal penalties may apply.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75% ▲ 0.97% above California avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 0.97% above avgNationally 2.72%
Details

University Credit Union Los Angeles, CA
Institution Rating:
A-5.0 ★Texas Ratio: 14.30%
24-Month Lock and Roll
$500
3.75% ▲ 0.97% above California avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 0.97% above avgNationally 2.72%
Details

Available only on new money deposited to UCU. Special Promotional certificate will renew as a 24-month certificate at the available rate for the product at that time. No maximum deposit. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.

Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
24 Month
$1,000
3.75% ▲ 0.97% above California avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 0.97% above avgNationally 2.72%
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
24 Month
$500
3.75% ▲ 0.97% above California avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 0.97% above avgNationally 2.72%
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
24 Month IRA
$0
3.75% ▲ 0.97% above California avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.78%▲ 0.97% above avgNationally 2.72%
Details

Buttonwillow 36 Month CD Rates

California 36 Month CD Average2.99% APYNational 2.66%▲ 0.15% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 month
$0
4.25% ▲ 1.26% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.26% above avgNationally 2.66%
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 month - Rewards+ Loyalty Program
$0
4.25% ▲ 1.26% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.26% above avgNationally 2.66%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 month Certificate
$500
4.25% ▲ 1.26% above California avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.26% above avgNationally 2.66%
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36-Month CD
$1,000
4.20% ▲ 1.21% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.21% above avgNationally 2.66%
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates - 36 months
$50
4.20% ▲ 1.21% above California avg
Rate4.11%
Min Deposit$50
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.21% above avgNationally 2.66%
Details

payroll deposit only

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15% ▲ 1.16% above California avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.16% above avgNationally 2.66%
Details

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 years
$0
4.10% ▲ 1.11% above California avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.11% above avgNationally 2.66%
Details

Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10% ▲ 1.11% above California avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.11% above avgNationally 2.66%
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 36 Months
$0
4.05% ▲ 1.06% above California avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.06% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05% ▲ 1.06% above California avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.06% above avgNationally 2.66%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
36-MONTH CD
$0
4.00% ▲ 1.01% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.01% above avgNationally 2.66%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
36-MONTH IRA CD
$0
4.00% ▲ 1.01% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.01% above avgNationally 2.66%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month - GoldStar? Membership
$5
4.00% ▲ 1.01% above California avg
Rate3.93%
Min Deposit$5
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.01% above avgNationally 2.66%
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 36 Months
$0
4.00% ▲ 1.01% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.01% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00% ▲ 1.01% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.01% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
4.00% ▲ 1.01% above California avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.01% above avgNationally 2.66%
Details

Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
36 Month
$500
4.00% ▲ 1.01% above California avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 1.01% above avgNationally 2.66%
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 36 Months
$0
3.95% ▲ 0.96% above California avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.96% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$1,000
3.95% ▲ 0.96% above California avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.96% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$50,000
3.95% ▲ 0.96% above California avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.96% above avgNationally 2.66%
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
36-Month Term Share Certificate
$0
3.91% ▲ 0.92% above California avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.92% above avgNationally 2.66%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month
$500
3.90% ▲ 0.91% above California avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.91% above avgNationally 2.66%
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 36 Months
$0
3.90% ▲ 0.91% above California avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.91% above avgNationally 2.66%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$1,000
3.90% ▲ 0.91% above California avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.91% above avgNationally 2.66%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
36 Month CD
$0
3.87% ▲ 0.88% above California avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.88% above avgNationally 2.66%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 Years
$500
3.86% ▲ 0.87% above California avg
Rate3.79%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.87% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86% ▲ 0.87% above California avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.87% above avgNationally 2.66%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
3 Year Certificate
$200
3.85% ▲ 0.86% above California avg
Rate3.78%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.86% above avgNationally 2.66%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 3 Year
$200
3.85% ▲ 0.86% above California avg
Rate3.78%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.86% above avgNationally 2.66%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Step Up Certificate 3 Year
$200
3.85% ▲ 0.86% above California avg
Rate3.78%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.86% above avgNationally 2.66%
Details

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificates / Roth & Traditional IRA Share Certificates 36 Months
$0
3.85% ▲ 0.86% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.86% above avgNationally 2.66%
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
3 years
$500
3.75% ▲ 0.76% above California avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.76% above avgNationally 2.66%
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
36 Month
$0
3.75% ▲ 0.76% above California avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.76% above avgNationally 2.66%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
36 Month Share Certificate
$1,000
3.75% ▲ 0.76% above California avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.76% above avgNationally 2.66%
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate 3 Year
$0
3.75% ▲ 0.76% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.76% above avgNationally 2.66%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
36 Month Certificate
$0
3.75% ▲ 0.76% above California avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.76% above avgNationally 2.66%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 36 Month
$0
3.75% ▲ 0.76% above California avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.76% above avgNationally 2.66%
Details

$95,000

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificates 3 Year
$0
3.75% ▲ 0.76% above California avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.76% above avgNationally 2.66%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 3 year
$0
3.71% ▲ 0.72% above California avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.72% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71% ▲ 0.72% above California avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.72% above avgNationally 2.66%
Details

USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
IRA 36 Month Certificate
$1,000
3.70% ▲ 0.71% above California avg
Rate3.64%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.71% above avgNationally 2.66%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
36 Month
$0
3.66% ▲ 0.67% above California avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.67% above avgNationally 2.66%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 3 year
$0
3.66% ▲ 0.67% above California avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.67% above avgNationally 2.66%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 3 year
$0
3.61% ▲ 0.62% above California avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.62% above avgNationally 2.66%
Details

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
36-Month Fixed Rate
$0
3.60% ▲ 0.61% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.61% above avgNationally 2.66%
Details

Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36-month Share Certificate
$0
3.60% ▲ 0.61% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.61% above avgNationally 2.66%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Month Certificate
$0
3.60% ▲ 0.61% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.61% above avgNationally 2.66%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
36 Month
$0
3.56% ▲ 0.57% above California avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.57% above avgNationally 2.66%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 3 year
$0
3.56% ▲ 0.57% above California avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.57% above avgNationally 2.66%
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 3 Years
$100,000
3.55% ▲ 0.56% above California avg
Rate3.48%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average2.99%▲ 0.56% above avgNationally 2.66%
Details

Buttonwillow 48 Month CD Rates

California 48 Month CD Average3.10% APYNational 2.66%▲ 0.11% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
48 Month
$500
4.25% ▲ 1.15% above California avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 1.15% above avgNationally 2.66%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month
$0
4.25% ▲ 1.15% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 1.15% above avgNationally 2.66%
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month - Rewards+ Loyalty Program
$0
4.25% ▲ 1.15% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 1.15% above avgNationally 2.66%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month Certificate
$500
4.25% ▲ 1.15% above California avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 1.15% above avgNationally 2.66%
Details

American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Promo Certificate
$1,000
4.25% ▲ 1.15% above California avg
Rate4.16%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 1.15% above avgNationally 2.66%
Details

Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month CD
$1,000
4.20% ▲ 1.10% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 1.10% above avgNationally 2.66%
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
48-Month Term Share Certificate
$0
4.06% ▲ 0.96% above California avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.96% above avgNationally 2.66%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
48-MONTH CD
$0
4.00% ▲ 0.90% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.90% above avgNationally 2.66%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
48-MONTH IRA CD
$0
4.00% ▲ 0.90% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.90% above avgNationally 2.66%
Details

SCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
IRA Certificate Accounts 48 months
$0
4.00% ▲ 0.90% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.90% above avgNationally 2.66%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month - GoldStar? Membership
$5
4.00% ▲ 0.90% above California avg
Rate3.93%
Min Deposit$5
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.90% above avgNationally 2.66%
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
48 Month
$0
4.00% ▲ 0.90% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.90% above avgNationally 2.66%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
48 Month Share Certificate
$1,000
4.00% ▲ 0.90% above California avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.90% above avgNationally 2.66%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
4 Year Certificate
$200
3.90% ▲ 0.80% above California avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.80% above avgNationally 2.66%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 4 Year
$200
3.90% ▲ 0.80% above California avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.80% above avgNationally 2.66%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Step Up Certificate 4 Year
$200
3.90% ▲ 0.80% above California avg
Rate3.83%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.80% above avgNationally 2.66%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month
$500
3.90% ▲ 0.80% above California avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.80% above avgNationally 2.66%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years
$500
3.90% ▲ 0.80% above California avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.80% above avgNationally 2.66%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
48 Month CD
$0
3.87% ▲ 0.77% above California avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.77% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86% ▲ 0.76% above California avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.76% above avgNationally 2.66%
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.16%
Jumbo 48 Month CD
$0
3.85% ▲ 0.75% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.75% above avgNationally 2.66%
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.16%
Jumbo 48 Month CD
$0
3.78% ▲ 0.68% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.68% above avgNationally 2.66%
Details

Fixed rate.

Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
IRA Term Share Certificate 48 month
$100,000
3.75% ▲ 0.65% above California avg
Rate3.69%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
4 years
$500
3.75% ▲ 0.65% above California avg
Rate3.69%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.16%
48 Month CD
$0
3.75% ▲ 0.65% above California avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate 4 Year
$0
3.75% ▲ 0.65% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Month Certificate
$0
3.75% ▲ 0.65% above California avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 48 Month
$0
3.75% ▲ 0.65% above California avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

$95,000

Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificates 4 Year
$0
3.75% ▲ 0.65% above California avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
IRA 48 Month Certificate
$1,000
3.75% ▲ 0.65% above California avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH CERTIFICATE
$100,000
3.75% ▲ 0.65% above California avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH IRA CERTIFICATE
$100,000
3.75% ▲ 0.65% above California avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.65% above avgNationally 2.66%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 4 year
$0
3.71% ▲ 0.61% above California avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.61% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71% ▲ 0.61% above California avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.61% above avgNationally 2.66%
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.16%
48 Month CD
$500
3.69% ▲ 0.59% above California avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.59% above avgNationally 2.66%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
48 Month
$0
3.66% ▲ 0.56% above California avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.56% above avgNationally 2.66%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 4 year
$0
3.66% ▲ 0.56% above California avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.56% above avgNationally 2.66%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65% ▲ 0.55% above California avg
Rate3.58%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.55% above avgNationally 2.66%
Details

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 4 year
$0
3.61% ▲ 0.51% above California avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.51% above avgNationally 2.66%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60% ▲ 0.50% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.50% above avgNationally 2.66%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Month Certificate
$0
3.60% ▲ 0.50% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.50% above avgNationally 2.66%
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 48 months
$0
3.60% ▲ 0.50% above California avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.50% above avgNationally 2.66%
Details

Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 4 Year
$0
3.60% ▲ 0.50% above California avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.50% above avgNationally 2.66%
Details

Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Traditional 48-month IRA Share Certificate
$1,000
3.60% ▲ 0.50% above California avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.50% above avgNationally 2.66%
Details

Contact Us Online; IRA Traditional & Roth Share Certificates

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Certificate 4 year
$0
3.56% ▲ 0.46% above California avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.46% above avgNationally 2.66%
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 48-Month
$0
3.55% ▲ 0.45% above California avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.45% above avgNationally 2.66%
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 48 months
$0
3.55% ▲ 0.45% above California avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.45% above avgNationally 2.66%
Details

$10,000 - $49,999

Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
4 Years
$0
3.50% ▲ 0.40% above California avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.40% above avgNationally 2.66%
Details

Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
IRA Term Share Certificate 48 month
$10,000
3.50% ▲ 0.40% above California avg
Rate3.45%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.40% above avgNationally 2.66%
Details

SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
4 Year
$1,000
3.50% ▲ 0.40% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.10%▲ 0.40% above avgNationally 2.66%
Details

Early withdrawal penalties may apply.

Buttonwillow 60 Month CD Rates

California 60 Month CD Average3.18% APYNational 2.76%▲ 0.21% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
60 Month
$500
4.50% ▲ 1.32% above California avg
Rate4.41%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.32% above avgNationally 2.76%
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates - 60 months
$50
4.30% ▲ 1.12% above California avg
Rate4.21%
Min Deposit$50
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.12% above avgNationally 2.76%
Details

payroll deposit only

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months Certificate
$500
4.30% ▲ 1.12% above California avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.12% above avgNationally 2.76%
Details

CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
5-year Term Share Certificate
$0
4.25% ▲ 1.07% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.07% above avgNationally 2.76%
Details

Epic Premium account holders will enjoy a .25% bonus on a new 5-year Term Share Certificate

SCE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
IRA Certificate Accounts 60 months
$0
4.25% ▲ 1.07% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.07% above avgNationally 2.76%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month
$0
4.25% ▲ 1.07% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.07% above avgNationally 2.76%
Details

Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month - Rewards+ Loyalty Program
$0
4.25% ▲ 1.07% above California avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.07% above avgNationally 2.76%
Details

Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month Certificate
$500
4.25% ▲ 1.07% above California avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.07% above avgNationally 2.76%
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month CD
$1,000
4.20% ▲ 1.02% above California avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.02% above avgNationally 2.76%
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates(Traditional and Roth IRA) 60 Months
$0
4.20% ▲ 1.02% above California avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 1.02% above avgNationally 2.76%
Details

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 years
$0
4.15% ▲ 0.97% above California avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.97% above avgNationally 2.76%
Details

Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates(Traditional and Roth IRA) 60 Months
$0
4.15% ▲ 0.97% above California avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.97% above avgNationally 2.76%
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
4.15% ▲ 0.97% above California avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.97% above avgNationally 2.76%
Details

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$25,000
4.10% ▲ 0.92% above California avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.92% above avgNationally 2.76%
Details

Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.

Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Online CD
$25,000
4.10% ▲ 0.92% above California avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.92% above avgNationally 2.76%
Details

Compounded Daily (3); Early Withdrawal Penalty

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates(Traditional and Roth IRA) 60 Months
$0
4.10% ▲ 0.92% above California avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.92% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.10% ▲ 0.92% above California avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.92% above avgNationally 2.76%
Details

Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
60-Month Term Share Certificate
$0
4.06% ▲ 0.88% above California avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.88% above avgNationally 2.76%
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates(Traditional and Roth IRA) 60 Months
$0
4.05% ▲ 0.87% above California avg
Rate3.97%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.87% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.05% ▲ 0.87% above California avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.87% above avgNationally 2.76%
Details

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Retirement Certificates 5 Years
$100,000
4.05% ▲ 0.87% above California avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.87% above avgNationally 2.76%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
5 Year Certificate
$200
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 5 Year
$200
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Step Up Certificate 5 Year
$200
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$200
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
60-MONTH CD
$0
4.00% ▲ 0.82% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
60-MONTH IRA CD
$0
4.00% ▲ 0.82% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
IRA Term Share Certificate 60 month
$100,000
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month GoldStar? Certificate
$0
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Rate is 0.100% APY lower for non-GoldStar? members

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month - GoldStar? Membership
$5
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$5
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
60 Month
$0
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Minimum to Open $1,000.00

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
60 Month Share Certificate
$1,000
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
5 Years
$500
4.00% ▲ 0.82% above California avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates(Traditional and Roth IRA) 60 Months
$0
4.00% ▲ 0.82% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 60 months
$0
4.00% ▲ 0.82% above California avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Jumbo IRA Certificate 60 Month
$0
4.00% ▲ 0.82% above California avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.82% above avgNationally 2.76%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97% ▲ 0.79% above California avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.79% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$1,000
3.95% ▲ 0.77% above California avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.77% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$50,000
3.95% ▲ 0.77% above California avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.77% above avgNationally 2.76%
Details

Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 60 months
$0
3.95% ▲ 0.77% above California avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.77% above avgNationally 2.76%
Details

$10,000 - $49,999

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Regular IRA Certificate 60 Month
$0
3.95% ▲ 0.77% above California avg
Rate3.87%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.77% above avgNationally 2.76%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month Certificate
$0
3.90% ▲ 0.72% above California avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.72% above avgNationally 2.76%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month
$500
3.90% ▲ 0.72% above California avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.72% above avgNationally 2.76%
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$1,000
3.90% ▲ 0.72% above California avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.72% above avgNationally 2.76%
Details

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Retirement Certificates 5 Years
$25,000
3.90% ▲ 0.72% above California avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.72% above avgNationally 2.76%
Details

Community Commerce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
60 Month CD
$0
3.87% ▲ 0.69% above California avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.69% above avgNationally 2.76%
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.16%
Jumbo 60 Month CD
$0
3.85% ▲ 0.67% above California avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.67% above avgNationally 2.76%
Details

SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60 Months
$50,000
3.85% ▲ 0.67% above California avg
Rate
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.67% above avgNationally 2.76%
Details

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5 Years
$100,000
3.85% ▲ 0.67% above California avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
California Average3.18%▲ 0.67% above avgNationally 2.76%
Details

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.

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Buttonwillow, California Institutions

Highest verified APYs available today — updated August 28, 2026

B Top 5 Bank Rates
Habib American HAB Bank
12 Months
A+ 5.0 ★ TX: 0.00%
Min: $0
4.50%
United Fidelity Bank
18-Month CD
A+ 5.0 ★ TX: 0.81%
Min: $1,000
4.50%
Happen Bank
Consumer Certificate of Deposit - 2 years
A 5.0 ★ TX: 6.13%
Min: $500
4.40%
U S POSTAL SERVICE
1 Year Starter Add-On
A+ 5.0 ★ TX: 4.34%
Min: $0
4.25%
CIBC
12-month CD
A+ 5.0 ★ TX: 2.97%
Min: $1,000
4.15%
CU Top 5 Credit Union Rates
Schools Federal Credit Union
Relationship Certificate (12 months)
A+ 5.0 ★ TX: 1.27%
Min: $0
5.90%
Educational Employees Credit Union
Share Saver Certificate - 12-Month Term
A+ 5.0 ★ TX: 0.67%
Min: $0
4.50%
Corazo Credit Union
60 Month
A 5.0 ★ TX: 7.90%
Min: $500
4.50%
SchoolsFirst Federal Credit Union
Deferred Compensation Certificates - 60 months
A+ 5.0 ★ TX: 5.36%
Min: $50
4.30%
America First Federal Credit Union
60 Months Certificate
A 5.0 ★ TX: 7.26%
Min: $500
4.30%
Rates verified August 28, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Buttonwillow, CA CD Rate Trends

Compare local Buttonwillow, 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.

View Full California CD Trends
12-Month CD — CA Avg
2.118%
▼ 0.820 vs 7 days ago

California 12-month CD rates fell 0.820 points over the past 7 days to 2.118% APY.

6-Month CD — CA Avg
1.311%
▼ 1.364 vs 7 days ago

California 6-month CD rates fell 1.364 points over the past 7 days to 1.311% APY.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

CA CD Rate Forecast — Next 12 Months

Where are California CD rates headed through August 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

CA 12-Month Avg APY
2.118%
6-Month Forecast
2.118%
Range: 1.92% – 2.27%
12-Month Forecast
1.868%
Range: 1.67% – 2.02%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the California average 12-month CD APY in our database.

Spread model: The California 12-month CD average currently trades 2.26% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

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 1.059% $52.97 $105.94 $264.85 $529.70
6-Month CD 1.311% $65.55 $131.09 $327.72 $655.45
12-Month CD 2.118% $105.89 $211.78 $529.45 $1,058.90
18-Month CD 2.596% $129.79 $259.57 $648.93 $1,297.85
24-Month CD 2.780% $138.98 $277.95 $694.88 $1,389.75
36-Month CD 2.988% $149.39 $298.78 $746.95 $1,493.90
48-Month CD 3.101% $155.05 $310.10 $775.25 $1,550.50
60-Month CD 3.179% $158.94 $317.88 $794.70 $1,589.40
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026.

Sample CD Ladder for Buttonwillow, 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.

Build Your Ladder
Rung Term Deposit CA Avg APY Annual Earnings
1 3-Month CD $5,000 1.059% $52.97
2 6-Month CD $5,000 1.311% $65.55
3 12-Month CD $5,000 2.118% $105.89
4 24-Month CD $5,000 2.780% $138.98
5 36-Month CD $5,000 2.988% $149.39
Total ($25,000 invested) $25,000 2.051% blended $512.78/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.

1,567
CD Rates
Tracked in Buttonwillow, California
25 Banks 100 Credit Unions

About Our Buttonwillow, California CD Rate Database

MonitorBankRates tracks 1,567 CD rates from 25 banks and 100 credit unions with locations in Buttonwillow, 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: Schools Federal Credit Union offers a CD at 5.90% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Buttonwillow, California.

How to Find the Best CD Rates in Buttonwillow, California

What to compare when shopping for a CD in Buttonwillow, California

To find the best APYs in Buttonwillow, California, start with credit unions and online-only banks — Buttonwillow, California has 100 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 Buttonwillow, 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 Buttonwillow, California — 125 institutions here report CD rates

Consider an Alternative If…

Buttonwillow, California Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024

Population 65+
9.6%
National avg: 17.3%
Median Individual Earnings
$30,234
National avg: $47,340
Poverty Rate
25.1%
National avg: 11.1%
Unemployment Rate
4.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$64/yr
At CA 12-mo avg 2.118% APY

9.6% of residents are 65 or older — below the national average of 17.3%. At today’s CA 12-month CD average of 2.118%, saving 10% of the local median salary ($3,023/year) and putting it in a CD would earn an additional $64 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 Buttonwillow, 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 Buttonwillow, 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 Buttonwillow, 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 Buttonwillow, California as everywhere in the U.S.

Choosing a CD Term in Buttonwillow, 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 Buttonwillow, California savers easier access to their funds. For example, Habib American HAB Bank is offering its 6 Months at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Corazo Credit Union is offering its 60 Month at 4.50% 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 Buttonwillow, 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 Buttonwillow, 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 Buttonwillow, 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 Buttonwillow, 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 Buttonwillow, California

Most CDs carry a fixed rate that is locked for the entire term, protecting a Buttonwillow, 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 Buttonwillow, California

Are CD rates in Buttonwillow, California FDIC insured?

Yes, most established banks in Buttonwillow, 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 Buttonwillow, 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 Buttonwillow, 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 Buttonwillow, 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 Buttonwillow, California?

Here are recent top rates found for this area:
  • Schools Federal Credit Union: 5.90% APY (Relationship Certificate (12 months))
  • Habib American HAB Bank : 4.50% APY (12 Months)
  • United Fidelity Bank: 4.50% APY (18-Month CD)
  • Educational Employees Credit Union: 4.50% APY (Share Saver Certificate - 12-Month Term)
  • Corazo Credit Union: 4.50% APY (60 Month)
  • Happen Bank: 4.40% APY (Consumer Certificate of Deposit - 2 years)
  • SchoolsFirst Federal Credit Union: 4.30% APY (Deferred Compensation Certificates - 60 months)
  • America First Federal Credit Union: 4.30% APY (60 Months Certificate)
  • CBC Federal Credit Union: 4.25% APY (5-year Term Share Certificate)
  • SCE Federal Credit Union: 4.25% APY (IRA Certificate Accounts 60 months)
Rates reflect recent verified offers available in Buttonwillow, California. Last Updated: August 28, 2026

Buttonwillow, California CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Buttonwillow, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Buttonwillow, California CD Rates by Term

Verified August 28, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Buttonwillow, California. Averages shown use the California state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Buttonwillow, 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 Buttonwillow, 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 Buttonwillow, 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: August 28, 2026

Buttonwillow, California Rates & Resources