Gilroy, California CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Gilroy, California CD rates include Premier One Credit UnionPremier One Credit Union1415 1ST ST STE 101, GILROY, CA 95020 4870A+5.0 ★Texas Ratio: 1.52%Real return: +1.70%APY minus CPI (February 2026) offering 24-month IRA Traditional & Roth Share Certificates at 4.50% APY, Citizens Equity First Credit UnionCitizens Equity First Credit Union681 Leavesley Rd, Gilroy, CA 95020A5.0 ★Texas Ratio: 6.36%Real return: +0.65%APY minus CPI (February 2026) offering 60 MONTHS Certificate Accounts at 3.45% APY, Commonwealth Central Credit UnionCommonwealth Central Credit Union8000 SANTA TERESA BLVD, GILROY, CA 95020A+5.0 ★Texas Ratio: 2.12%Real return: +0.45%APY minus CPI (February 2026) offering 12-Mos Youth Share Certificate at 3.25% APY, 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, and Corazo Credit UnionCorazo Credit UnionA5.0 ★Texas Ratio: 7.90%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate at 4.50% APY. CD rates as of May 31, 2026 according to verified data from MonitorBankRates.
Gilroy has 37 local institutions in our database, with CD rates as high as 4.50% APY from Premier One Credit Union at 1415 1ST ST STE 101, GILROY, CA 95020 4870. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 31, 2026
Compare Best CD Rates in Gilroy, California & the Surrounding Area
Gilroy 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
3 MONTHS Certificate Accounts
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
HSA Certificate Accounts 3 MONTHS
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
3-month IRA Traditional & Roth Share Certificates
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
3-month Share Certificate
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
*APY: Annual Percentage Yield
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Term Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 3 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificates 3 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
3 Months Term Share Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month IRA Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 3 month
$50,000
3.45%
▼
Rate3.39%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Day Certificate Special
$10,000
3.41%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
balances $10,000 - $100,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days Certificate Account and IRA Account: Fixed Rate
$10,000
3.41%
▼
Rate3.34%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 per member maximum
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 3 month
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 3 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 and over
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
IRA 3-month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 and over
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
3 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 up to $49,999*
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days Certificate Account and IRA Account: Fixed Rate
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 per member maximum
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$25,000
3.05%
▼
Rate3.01%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3-Month CD
$50,000
3.05%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 23, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
Business 3 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
Share Certificates 3 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
Youth Certificates 3 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3-MONTH Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
IRA not Eligible
Gilroy 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
6 MONTHS Certificate Accounts
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
HSA Certificate Accounts 6 MONTHS
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Commonwealth Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8000 SANTA TERESA BLVD, GILROY, CA 95020
6-Mos Youth Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
6-month IRA Traditional & Roth Share Certificates
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
6-month Share Certificate
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates subject to change
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
6 Month Certificates of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit 6 months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 6 Months
$50,000
3.90%
▼
Rate3.83%
Min Deposit$50,000
Min Balance—
UpdatedMay 29, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 6 Months
$15,000
3.85%
▼
Rate3.78%
Min Deposit$15,000
Min Balance—
UpdatedMay 29, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 6 Months
$1,000
3.80%
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
New Money Only
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Certificate
$250
3.70%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
New Money Only; 3.75% APY?balances $100,000+
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6-Month Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
promotional offer
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 6 month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 6 month
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Certificate Account 6-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Bonus Certificates
$40,000
3.60%
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Regular Certificates 6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6-Month Jumbo Share Certificate
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 29, 2026
Details
$10,000
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 17.60%
6 months Share Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6-month Share Certificate or more
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
$10,000
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 6 month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificates 6 month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 6 month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA - 6 Month Certificate
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
IRA Certificates 6 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $500.00
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 6-Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Gilroy 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
12-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
12-month Share Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Commonwealth Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8000 SANTA TERESA BLVD, GILROY, CA 95020
12-Mos Youth Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
12 MONTHS Certificate Accounts
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
HSA Certificate Accounts 12 MONTHS
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
My Save Certificate Accounts 12 MONTHS
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Relationship Certificate(12 months)
$500
5.90%
▼
Rate5.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
Gen-T Term Share Certificate* 12 Months
$5
4.25%
▼
Rate4.16%
Min Deposit$5
Min Balance—
UpdatedMay 29, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates 12 months
$50
4.15%
▼
Rate4.07%
Min Deposit$50
Min Balance—
UpdatedMay 30, 2026
Details
payroll deposit only
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA - 12 Month Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Loyalty Share Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1-Year Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Term Certificate
$90,000
4.04%
▼
Rate3.97%
Min Deposit$90,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Teen Share Certificate 12 Months
$0
4.00%
▼
Rate3.91%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Youth Share Certificate 12 Months
$50
4.00%
▼
Rate3.91%
Min Deposit$50
Min Balance—
UpdatedMay 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Term Certificate
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Promotional IRA Certificates / Roth / Educational IRA Certificates 12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dividends paid annually and at maturity
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
IRA 12 Month Certificate
$0
3.84%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Bonus Certificates
$40,000
3.84%
▼
Rate3.78%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 month CDs
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 Month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 1 Year IRA
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
12 Months Share Certificates
$0
3.79%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
12-Month Variable Rate Certificate
$0
3.77%
▼
Rate3.71%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share Certificates 12 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100
3.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Promo Certificate
$100
3.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Promotional Certificate1(Business) Jumbo
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Promotional Certificate1(Personal) Regular
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1 Year Youth Share Certificates
$250
3.75%
▼
Rate3.69%
Min Deposit$250
Min Balance—
UpdatedMay 22, 2026
Details
Strata Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Wealth Builder Share Certificate 12 Months
$100
3.75%
▼
Rate3.68%
Min Deposit$100
Min Balance—
UpdatedMay 29, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1-Year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Gilroy 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
18-month Share Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
18 MONTHS Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
HSA Certificate Accounts 18 MONTHS
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Term Certificate
$90,000
3.98%
▼
Rate3.91%
Min Deposit$90,000
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Term Certificate
$500
3.83%
▼
Rate3.76%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 18 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 18 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
18 Months Share Certificates
$0
3.73%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
Share Certificates 18 Months
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 18 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 18 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 18 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 18 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Promotional IRA Certificates / Roth / Educational IRA Certificates 18 Months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dividends paid annually and at maturity
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Regular Certificates 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
IRA Share Certificates 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit 18 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 18 month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Pick Your Term 18-Month Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
IRA Certificates are available.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
18 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
For a limited time only, pick your certificate term!
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Certificate Special 18 months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
(Including IRA and CESA).
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
18-month CD
$50,000
3.30%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 23, 2026
Details
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
18 Months Share (CDs) and IRA Certificates
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 18 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Gilroy 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
24-month Share Certificate
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
24 MONTHS Certificate Accounts
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
HSA Certificate Accounts 24 MONTHS
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1-2 Year Share Certificate
$250,000
4.13%
▼
Rate4.05%
Min Deposit$250,000
Min Balance—
UpdatedMay 30, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 24 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share Certificates 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 24 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
24 Month Certificate
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 24 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 24 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo College Saver 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 24 Months Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 24 Months Gold
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 24 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo College Saver 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 24 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
24 Month - Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 2 Years
$5
3.60%
▼
Rate3.54%
Min Deposit$5
Min Balance—
UpdatedMay 22, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 24 Months Silver
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
2 Years Share Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Standard College Saver 24-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Certificate Account 2-Year
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Gilroy 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
36-month IRA Traditional & Roth Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
36-month BOOST IRA Traditional & Roth Share Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
36 MONTHS Certificate Accounts
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
HSA Certificate Accounts 36 MONTHS
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
36-month Share Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
36-month BOOST Share Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates 36 months
$50
4.20%
▼
Rate4.11%
Min Deposit$50
Min Balance—
UpdatedMay 30, 2026
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%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
36 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Platinum
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 36 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Gold
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 36 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 36 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 36 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 36 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Silver
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Standard
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 36 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 36 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 Years Share Certificates
$500
3.64%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 3 Years
$5
3.64%
▼
Rate3.58%
Min Deposit$5
Min Balance—
UpdatedMay 22, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
36 Months Share Certificates
$0
3.56%
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
Share Certificates 36 Months
$10,000
3.56%
▼
Rate3.51%
Min Deposit$10,000
Min Balance—
UpdatedMay 18, 2026
Details
Gilroy 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
48-month Share Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
48 MONTHS Certificate Accounts
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
HSA Certificate Accounts 48 MONTHS
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
48 Month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Platinum
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Gold
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 48 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 48 month
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Silver
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 48 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 48 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 48 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH IRA CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years Share Certificates
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Standard
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 48 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 4 Years
$5
3.70%
▼
Rate3.63%
Min Deposit$5
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 48 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo College Saver 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
$1,000/+
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo College Saver 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Standard College Saver 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificates 4 year
$0
3.54%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificates 4 Year
$0
3.54%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Jumbo Term Share Certificates & IRA Share Certificates 4 Year
$100,000
3.50%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share & IRA Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Promo Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH CERTIFICATE
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
48 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 48 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
48 Month Share Certificates
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Gilroy 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1415 1ST ST STE 101, GILROY, CA 95020 4870
60-month Share Certificate
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
60 MONTHS Certificate Accounts
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
681 Leavesley Rd, Gilroy, CA 95020
HSA Certificate Accounts 60 MONTHS
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
60 Month Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates 60 months
$50
4.30%
▼
Rate4.21%
Min Deposit$50
Min Balance—
UpdatedMay 30, 2026
Details
payroll deposit only
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Retirement Certificates 5 Years
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month GoldStar? Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate is 0.100% APY lower for non-GoldStar? members
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH IRA CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months Platinum
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
60 Month Share Certificates
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Regular IRA Certificate 60 Month
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months Gold
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$500 minimum balance
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months Silver
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 5 Years
$5
3.85%
▼
Rate3.78%
Min Deposit$5
Min Balance—
UpdatedMay 22, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificates (Fixed Rate) 5 Year Certificate
$1,000
3.85%
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
$1,000/+
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
5 Years Share Certificates
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Roth IRA Certificates 60 months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Simplified Employee Pension (SEP) IRA Certificates 60 months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Traditional IRA Certificates 60 months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months Standard
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 60 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 60 month
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 60 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 60 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 60 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Jumbo Term Share Certificates & IRA Share Certificates 5 Year
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Gilroy, CA CD Rate Trends
Compare local Gilroy, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — CA Avg
2.730%
Unchanged vs 7 days ago
California 12-month CD rates currently average 2.730% APY based on data from institutions in our monitoring network.
6-Month CD — CA Avg
2.593%
▲ 0.002 vs 7 days ago
California 6-month CD rates rose 0.002 points over the past 7 days to 2.593% APY.
As of May 31, 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 May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
2.730%
6-Month Forecast
2.730%
Range: 2.53% – 2.88%
12-Month Forecast
2.480%
Range: 2.28% – 2.63%
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 | 2.323% | $116.16 | $232.31 | $580.78 | $1,161.55 |
| 6-Month CD | 2.593% | $129.66 | $259.31 | $648.28 | $1,296.55 |
| 12-Month CD | 2.730% | $136.52 | $273.03 | $682.58 | $1,365.15 |
| 18-Month CD | 2.506% | $125.29 | $250.58 | $626.45 | $1,252.90 |
| 24-Month CD | 2.563% | $128.17 | $256.34 | $640.85 | $1,281.70 |
| 36-Month CD | 2.618% | $130.92 | $261.83 | $654.58 | $1,309.15 |
| 48-Month CD | 2.581% | $129.05 | $258.10 | $645.25 | $1,290.50 |
| 60-Month CD | 2.650% | $132.52 | $265.03 | $662.58 | $1,325.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 31, 2026. | |||||
Sample CD Ladder for Gilroy, California Savers
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.323% | $116.16 |
| 2 | 6-Month CD | $5,000 | 2.593% | $129.66 |
| 3 | 12-Month CD | $5,000 | 2.730% | $136.52 |
| 4 | 24-Month CD | $5,000 | 2.563% | $128.17 |
| 5 | 36-Month CD | $5,000 | 2.618% | $130.92 |
| Total ($25,000 invested) | $25,000 | 2.566% blended | $641.43/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.
1,506
CD Rates
Tracked in Gilroy, California
Tracked in Gilroy, California
17 Banks
94 Credit Unions
About Our Gilroy, California CD Rate Database
MonitorBankRates tracks 1,506 CD rates from 17 banks and 94 credit unions with locations in Gilroy, 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: Premier One Credit Union offers a CD at 4.50% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Gilroy, California.
How to Find the Best CD Rates in Gilroy, California
What to compare when shopping for a CD in Gilroy, California
To find the best APYs in Gilroy, California, start with credit unions and online-only banks — Gilroy, California has 94 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 Gilroy, 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 Gilroy, California — 111 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Gilroy, California savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Gilroy, California money market rates
Gilroy, California Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
13.0%
National avg: 17.3%
Median Individual Earnings
$49,928
National avg: $47,340
Poverty Rate
6.7%
National avg: 11.1%
Unemployment Rate
6.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$136/yr
At CA 12-mo avg 2.730% APY
13.0% of residents are 65 or older — below the national average of 17.3%. At today’s CA 12-month CD average of 2.730%, saving 10% of the local median salary ($4,992/year) and putting it in a CD would earn an additional $136 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 Gilroy, 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 Gilroy, 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 Gilroy, 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 Gilroy, California as everywhere in the U.S.
Choosing a CD Term in Gilroy, 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 Gilroy, California savers easier access to their funds. For example, Citizens Equity First Credit Union is offering its 6 MONTHS Certificate Accounts at 3.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Premier One Credit Union is offering its 60-month IRA Traditional & Roth Share Certificates at 4.25% 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 Gilroy, 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 Gilroy, 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 Gilroy, 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 Gilroy, 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 Gilroy, California
Most CDs carry a fixed rate that is locked for the entire term, protecting a Gilroy, 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 Gilroy, California
Are CD rates in Gilroy, California FDIC insured?
Yes, most established banks in Gilroy, 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 Gilroy, 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 Gilroy, 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 Gilroy, 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 Gilroy, California?
Here are recent top rates found for this area:
- Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
- Citizens Equity First Credit Union: 3.45% APY (60 MONTHS Certificate Accounts)
- Commonwealth Central Credit Union: 3.25% APY (12-Mos Youth Share Certificate)
- Schools Federal Credit Union: 5.90% APY (Relationship Certificate(12 months))
- Corazo Credit Union: 4.50% APY (60 Month Certificate)
- SchoolsFirst Federal Credit Union: 4.30% APY (Deferred Compensation Certificates 60 months)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
- Thinkwise Federal Credit Union: 4.25% APY (Gen-T Term Share Certificate* 12 Months)
- United Fidelity Bank: 4.15% APY (6-Month CD Term)
Rates reflect recent verified offers available in Gilroy, California. Last Updated: May 31, 2026
CD Calculators for Gilroy, California
Gilroy, California CD Calculator
At today’s CA top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Gilroy, California CD LadderCA CD rates currently range from 2.323% (3-month) to 2.618% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Gilroy, California CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.730% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Gilroy, 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 Gilroy, 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 Gilroy, 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: May 31, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking