Lakewood, California Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Lakewood, California CD rates range from 0.03% to 5.90% APY, verified by MonitorBankRates as of October 28, 2026. Current Lakewood, California CD rates include CitiCiti5525 Carson St, Lakewood, CA 90713A+5.0 ★Texas Ratio: 2.82%Real return: +0.55%APY minus CPIRate verified Oct 26, 2026 offering 1 Year Fixed Rate CD at 4.25% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO5195 Lakewood Blvd, Lakewood, CA 90712A+5.0 ★Texas Ratio: 2.49%Real return: +0.47%APY minus CPIRate verified Oct 26, 2026 offering 18-Month Variable Rate IRA at 4.17% APY, LBS Financial Credit UnionLBS Financial Credit Union4916 Bellflower Blvd, Lakewood, CA 90713 1810A+5.0 ★Texas Ratio: 2.34%Real return: +0.35%APY minus CPIRate verified Oct 26, 2026 offering IRA Certificate Jumbo - 48 month at 4.05% APY, Kinecta Federal Credit UnionKinecta Federal Credit Union4055 Hardwick St, Lakewood, CA 90712A+5.0 ★Texas Ratio: 3.82%Real return: +0.00%APY minus CPIRate verified Oct 23, 2026 offering 5 Year Regular & Jumbo Certificates (Personal) - Jumbo at 3.70% APY, and Nuvision Federal Credit UnionNuvision Federal Credit Union2660 Carson St, LAKEWOOD, CA 90712 4109A+5.0 ★Texas Ratio: 3.84%Real return: -0.15%APY minus CPIRate verified Oct 26, 2026 offering 1-Year Certificate at 3.55% APY. CD rates as of October 28, 2026 according to verified data from MonitorBankRates.
Lakewood has 329 local institutions in our database, with CD rates as high as 4.25% APY from Citi at 5525 Carson St, Lakewood, CA 90713. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 28, 2026
Compare Best CD Rates in Lakewood, California & the Surrounding Area
Lakewood 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
Jumbo Share Certificate - 3 month
$0
3.70%
▲ 1.27% above California avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.27% above avgNationally 2.12%
Details
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.63%; Anticipated APY 3.70%
Rate History
No change since Oct 26, 2026 · 3.70% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
3 Month Share Certificates - Gold
$0
3.65%
▲ 1.22% above California avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details
Anticipated rates; Effective as of: 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
3 Month Share Certificates - Silver
$0
3.60%
▲ 1.17% above California avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.17% above avgNationally 2.12%
Details
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
3 Month Share Certificates - Bronze
$1,000
3.55%
▲ 1.12% above California avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.12% above avgNationally 2.12%
Details
Only a minimum deposit of $1,000 is required for the 3 month Bronze Share Certificate; unlimited add on deposits allowed on the 3 month Certificate only
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Month Certificate
$25,000
3.15%
▲ 0.72% above California avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.72% above avgNationally 2.12%
Details
Source shows $25,000 min. deposit; the $100,000 figure and 'Jumbo' label are not in the source
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
- Oct 14, 20263.15%▲ from 3.05%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Jumbo 3-Month Certificate
$100,000
3.15%
▲ 0.72% above California avg
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.72% above avgNationally 2.12%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.15% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Month Certificate
$50,000
3.10%
▲ 0.67% above California avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.67% above avgNationally 2.12%
Details
$50,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
- Oct 14, 20263.10%▲ from 3.05%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Month Certificate
$25,000
3.05%
▲ 0.62% above California avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.62% above avgNationally 2.12%
Details
$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Month Certificate
$0
3.01%
▲ 0.58% above California avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.58% above avgNationally 2.12%
Details
Dividend rate only; no APY printed in source table; $25,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
- Oct 14, 20263.01%▲ from 3.00%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Month Certificate
$1,000
3.00%
▲ 0.57% above California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.57% above avgNationally 2.12%
Details
Share Certificate Rates; Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Month Jumbo Certificate
$100,000
2.75%
▲ 0.32% above California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.32% above avgNationally 2.12%
Details
APY range: 2.75% - 3.70%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted
Rate History
1 change since Sep 25, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
- Oct 23, 20262.75%▲ from 2.60%
- Sep 25, 20262.60%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
2.75%
▲ 0.32% above California avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.32% above avgNationally 2.12%
Details
Balance: $100,000 and above; Jumbo
Rate History
1 change since Oct 15, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
- Oct 23, 20262.75%▲ from 2.60%
- Oct 15, 20262.60%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Month Regular & Jumbo Certificates (Personal) - Regular
$0
2.65%
▲ 0.22% above California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.22% above avgNationally 2.12%
Details
Balance: Under $100,000; Regular
Rate History
1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
- Oct 23, 20262.65%▲ from 2.50%
- Oct 15, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Month Regular Certificate
$100
2.65%
▲ 0.22% above California avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.22% above avgNationally 2.12%
Details
APY range: 2.65% - 3.55%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted; Deposits under $100,000
Rate History
1 change since Sep 25, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
- Oct 23, 20262.65%▲ from 2.50%
- Sep 25, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Month Regular Certificate (Personal)
$0
2.65%
▲ 0.22% above California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.22% above avgNationally 2.12%
Details
Balance: Under $100,000; Dividend Rate / APY as printed in source table
Rate History
1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
- Oct 23, 20262.65%▲ from 2.50%
- Oct 15, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 3 month
$0
2.50%
▲ 0.07% above California avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 0.07% above avgNationally 2.12%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 2.50% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 3 month
$0
2.40%
▼ 0.03% below California avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▼ 0.03% below avgNationally 2.12%
Details
Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY
Rate History
No change since Oct 15, 2026 · 2.40% APY · checked 2 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5195 Lakewood Blvd, Lakewood, CA 90712
3-Month CD
$0
2.00%
▼ 0.43% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 0.43% below avgNationally 2.12%
Details
High-Yield CDs/IRAs; APY accurate as of 10/21/2026; $1,000.00 minimum balance required to open and obtain APY; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 2.00% APY · checked 3 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
3 Month Term Certificate
$1,000
1.85%
▼ 0.58% below California avg
▼
Rate1.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 0.58% below avgNationally 2.12%
Details
Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 1.85% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
3 Month Term Certificate
$1,000
1.75%
▼ 0.68% below California avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 0.68% below avgNationally 2.12%
Details
Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 1.75% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
3 Month Term Certificate Account
$0
1.65%
▼ 0.78% below California avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 0.78% below avgNationally 2.12%
Details
Balance: $1,000 - $9,999; shared schedule with Regular IRA Certificate Accounts
Rate History
No change since Oct 22, 2026 · 1.65% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 3 months
$1,000
0.50%
▼ 1.93% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 1.93% below avgNationally 2.12%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 3 months
$1,000
0.25%
▼ 2.18% below California avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.18% below avgNationally 2.12%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 3 months
$1,000
0.10%
▼ 2.33% below California avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.33% below avgNationally 2.12%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4711 Candlewood St, Lakewood, CA 90712
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.37% below California avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.37% below avgNationally 2.12%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
3 Month Fixed Rate CD
$0
0.05%
▼ 2.38% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 0.05% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
Fixed Rate CD - 3-Month
$0
0.05%
▼ 2.38% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 0.05% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4711 Candlewood St, Lakewood, CA 90712
3 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.38% below California avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.38% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
3 Month Standard CD
$1,000
0.05%
▼ 2.38% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 3 months
$1,000
0.03%
▼ 2.40% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.40% below avgNationally 2.12%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.15% above California avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
California Average2.43%▲ 2.15% above avgNationally 2.12%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 3, 20264.58%▲ from 4.32%
- Sep 27, 20264.32%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 3-Month CD
$0
4.25%
▲ 1.82% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.82% above avgNationally 2.12%
Details
Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$0
4.25%
▲ 1.82% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.82% above avgNationally 2.12%
Details
APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026
Rate History
1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 23, 20264.25%▲ from 3.50%
- Sep 25, 20263.50%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
4.25%
▲ 1.82% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.82% above avgNationally 2.12%
Details
Term: 3 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3-Month CD
$25,000
4.10%
▲ 1.67% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.43%▲ 1.67% above avgNationally 2.12%
Details
Rate History
No change since Oct 28, 2026 · 4.10% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.57% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
No minimum deposit
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.57% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
Promotional yield; APY calculated on 3.93% base rate; membership eligibility required; no additional deposits; IRA share certificates do not qualify
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3 Month Business CD - Promotional Offer
$1,000
4.00%
▲ 1.57% above California avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
Balance: $99,999 or less; Offer good for initial term only, CD automatically renews for the same term
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3 Month Personal CD - Promotional Offer
$1,000
4.00%
▲ 1.57% above California avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
Balance: $99,999 or less; Offer good for the initial term only; CD automatically renews for the same term
Rate History
1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 26, 20264.00%▲ from 3.50%
- Oct 22, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 3 Month
$1,000
4.00%
▲ 1.57% above California avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
Minimum to open $1,000.00; Rates effective 10-22-2026
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Jumbo Certificate of Deposit - 3 Months
$0
3.98%
▲ 1.55% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.55% above avgNationally 2.12%
Details
Balance: $10,000.00 and over
Rate History
No change since Oct 21, 2026 · 3.98% APY · checked 2 times
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Mini Money Maker Certificates of Deposit - 3 Months
$0
3.98%
▲ 1.55% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.55% above avgNationally 2.12%
Details
Balance: $2,000.00 - $9,999.99
Rate History
No change since Oct 21, 2026 · 3.98% APY · checked 2 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96%
▲ 1.53% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.53% above avgNationally 2.12%
Details
APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only
Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
- Oct 26, 20263.96%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3 Month Certificates
$0
3.90%
▲ 1.47% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.47% above avgNationally 2.12%
Details
Dividend rate from comparison table
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.42% above California avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.42% above avgNationally 2.12%
Details
Balance: under $100k; Limited time special offer; Requires $500 new money (existing customers: $0.75 of every $1.00 new money); Not available for individual retirement or business accounts; Early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.37% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.37% above avgNationally 2.12%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 10 times
Industrial and Commercial Bank of China USA
Institution Rating:
B-4.3 ★Texas Ratio: 23.84%
Special Personal CD Promotion - 3-month
$0
3.80%
▲ 1.37% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.43%▲ 1.37% above avgNationally 2.12%
Details
Special Personal CD Promotion; Deposit Amount: $2,500 Minimum balance; APY effective as of 9/24/2026; ICBC (USA) personal demand deposit customers only; Early withdrawal penalties may apply
Rate History
No change since Oct 28, 2026 · 3.80% APY
Beach Cities Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Months
$2,500
3.80%
▲ 1.37% above California avg
▼
Rate3.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.37% above avgNationally 2.12%
Details
Balance tier: $250,000
Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 2 times
State Bank of India US
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Special CD - 3 Months
$1,000
3.75%
▲ 1.32% above California avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details
Limited-time special CD rate for short-term savings
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
Lakewood 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
IRA Certificate Jumbo - 6 month
$0
3.85%
▲ 0.88% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.88% above avgNationally 2.79%
Details
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 10, 20263.85%▲ from 3.65%
- Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
Jumbo Share Certificate - 6 month
$0
3.85%
▲ 0.88% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.88% above avgNationally 2.79%
Details
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.78%; Anticipated APY 3.85%
Rate History
No change since Oct 26, 2026 · 3.85% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
6 Month IRA Certificates
$0
3.80%
▲ 0.83% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.83% above avgNationally 2.79%
Details
Gold tier; Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
6 Month Share Certificates - Gold
$0
3.80%
▲ 0.83% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.83% above avgNationally 2.79%
Details
Anticipated rates; Effective as of: 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
6 Month IRA Certificate - Silver
$0
3.75%
▲ 0.78% above California avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.78% above avgNationally 2.79%
Details
Anticipated rates; Silver tier ($20,000 minimum)
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
6 Month Share Certificates - Silver
$0
3.75%
▲ 0.78% above California avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.78% above avgNationally 2.79%
Details
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
6 Month IRA Certificate - Bronze
$0
3.70%
▲ 0.73% above California avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.73% above avgNationally 2.79%
Details
Bronze tier; anticipated rates; effective 10-19-2026 (PST)
Rate History
No change since Oct 19, 2026 · 3.70% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
6 Month Share Certificates - Bronze
$0
3.70%
▲ 0.73% above California avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.73% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month Certificate
$0
3.15%
▲ 0.18% above California avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.18% above avgNationally 2.79%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
- Sep 18, 20263.15%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month IRA
$100,000
3.15%
▲ 0.18% above California avg
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.18% above avgNationally 2.79%
Details
Jumbo: $100,000 min. deposit
Rate History
1 change since Sep 24, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- Oct 7, 20263.15%▲ from 3.05%
- Sep 24, 20263.05%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Jumbo 6-Month Certificate
$100,000
3.15%
▲ 0.18% above California avg
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.18% above avgNationally 2.79%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.15% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month Certificate
$0
3.10%
▲ 0.13% above California avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.13% above avgNationally 2.79%
Details
Dividend rate only; no APY printed in this table
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.11% ▲ 0.15 pts · high 3.11% / low 2.96%
- Oct 20, 20263.11%▲ from 3.10%
- Sep 18, 20263.10%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month Certificate
$50,000
3.10%
▲ 0.13% above California avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.13% above avgNationally 2.79%
Details
$50,000 min. deposit
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
- Sep 18, 20263.10%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month IRA
$50,000
3.10%
▲ 0.13% above California avg
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.13% above avgNationally 2.79%
Details
Fixed Rate Accounts; $50,000 min. deposit
Rate History
1 change since Sep 24, 2026 · 3.05% → 3.10% ▲ 0.05 pts · high 3.10% / low 3.05%
- Oct 7, 20263.10%▲ from 3.05%
- Sep 24, 20263.05%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month Certificate
$25,000
3.05%
▲ 0.08% above California avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.08% above avgNationally 2.79%
Details
Rates for California; $25,000 min. deposit
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month IRA
$25,000
3.05%
▲ 0.08% above California avg
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.08% above avgNationally 2.79%
Details
$25,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month Certificate
$25,000
3.01%
▲ 0.04% above California avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.04% above avgNationally 2.79%
Details
Effective Date: 02/04/2026; Rates for California
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
- Oct 20, 20263.01%▲ from 3.00%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month Certificate
$1,000
3.00%
▲ 0.03% above California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.03% above avgNationally 2.79%
Details
Rates for California
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
6-Month IRA
$1,000
3.00%
▲ 0.03% above California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.03% above avgNationally 2.79%
Details
Fixed Rate Accounts; Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
- Oct 7, 20263.00%▼ from 3.05%
- Sep 24, 20263.05%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
6 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.00%
▲ 0.03% above California avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 0.03% above avgNationally 2.79%
Details
Balance: $100,000 and above; Jumbo
Rate History
1 change since Oct 15, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90%
- Oct 23, 20263.00%▲ from 2.90%
- Oct 15, 20262.90%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
6 Month Regular & Jumbo Certificates (Personal) - Regular
$0
2.85%
▼ 0.12% below California avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 0.12% below avgNationally 2.79%
Details
Balance: Under $100,000; Regular
Rate History
1 change since Oct 15, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
- Oct 23, 20262.85%▲ from 2.75%
- Oct 15, 20262.75%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
6 Month Regular Certificate (Personal)
$0
2.85%
▼ 0.12% below California avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 0.12% below avgNationally 2.79%
Details
Balance: Under $100,000; Dividend Rate / APY as printed in source table
Rate History
1 change since Oct 15, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
- Oct 23, 20262.85%▲ from 2.75%
- Oct 15, 20262.75%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 6 month
$0
2.75%
▼ 0.22% below California avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 0.22% below avgNationally 2.79%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 6 month
$0
2.65%
▼ 0.32% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 0.32% below avgNationally 2.79%
Details
Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY
Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
6 Month Aloha Share Certificate
$2,500
2.65%
▼ 0.32% below California avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.32% below avgNationally 2.79%
Details
Sample deposit (new money only): $10,000; Potential earnings: $131.63; Requires active Checking account with Online Banking; New money only
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 2 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
6 Month Term Certificate
$1,000
2.18%
▼ 0.79% below California avg
▼
Rate2.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.79% below avgNationally 2.79%
Details
Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 2.18% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
6 Month Term Certificate
$1,000
2.08%
▼ 0.89% below California avg
▼
Rate2.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.89% below avgNationally 2.79%
Details
Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 2.08% APY · checked 4 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
6 Month Fixed Rate CD
$0
2.00%
▼ 0.97% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.97% below avgNationally 2.79%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
Fixed Rate CD - 6-Month
$0
2.00%
▼ 0.97% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.97% below avgNationally 2.79%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
6 Month Term Certificate
$1,000
1.98%
▼ 0.99% below California avg
▼
Rate1.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.99% below avgNationally 2.79%
Details
Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 1.98% APY · checked 4 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5195 Lakewood Blvd, Lakewood, CA 90712
CD - 6-Month
$0
1.00%
▼ 1.97% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 1.97% below avgNationally 2.79%
Details
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 1.00% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 6 months
$1,000
0.65%
▼ 2.32% below California avg
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.32% below avgNationally 2.79%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 0.65% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 6 months
$500
0.65%
▼ 2.32% below California avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.32% below avgNationally 2.79%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 0.65% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 6 months
$1,000
0.50%
▼ 2.47% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.47% below avgNationally 2.79%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 6 months
$500
0.50%
▼ 2.47% below California avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.47% below avgNationally 2.79%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 6 months
$1,000
0.45%
▼ 2.52% below California avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.52% below avgNationally 2.79%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.45% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 6 months
$500
0.45%
▼ 2.52% below California avg
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.52% below avgNationally 2.79%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.45% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 6 months
$1,000
0.35%
▼ 2.62% below California avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.62% below avgNationally 2.79%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 6 months
$500
0.10%
▼ 2.87% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.87% below avgNationally 2.79%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4711 Candlewood St, Lakewood, CA 90712
6 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.91% below California avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.91% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4711 Candlewood St, Lakewood, CA 90712
6 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.92% below California avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.92% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.92% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.92% below avgNationally 2.79%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
6 Month Standard CD
$1,000
0.05%
▼ 2.92% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.92% below avgNationally 2.79%
Details
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 6 months
$1,000
0.03%
▼ 2.94% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.94% below avgNationally 2.79%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 6 months
$500
0.03%
▼ 2.94% below California avg
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.94% below avgNationally 2.79%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.40%
▲ 1.43% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.43% above avgNationally 2.79%
Details
Minimum to open $500.00; maximum opening deposit $500,000.00; early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 23, 20264.40%▲ from 4.30%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30%
▲ 1.33% above California avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
California Average2.97%▲ 1.33% above avgNationally 2.79%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 3, 20264.30%▲ from 4.04%
- Sep 27, 20264.04%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6-MONTH IRA CD
$1,000
4.25%
▲ 1.28% above California avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 6-Month CD
$0
4.25%
▲ 1.28% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
6 Month CD
$1,000
4.25%
▲ 1.28% above California avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Digital | Consumer CD
Rate History
2 changes since Sep 8, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 26, 20264.25%▲ from 4.10%
- Oct 20, 20264.10%▲ from 3.70%
- Sep 8, 20263.70%first recorded
Lakewood 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
1 Year Fixed Rate CD
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 3.00%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
Fixed Rate CD - 1-Year
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 3.00%
Details
Featured Rate; Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
IRA Certificate Jumbo - 12 month
$0
3.95%
▲ 0.76% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.76% above avgNationally 3.00%
Details
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 10, 20263.95%▲ from 3.75%
- Sep 14, 20263.75%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
Jumbo Share Certificate - 12 month
$0
3.95%
▲ 0.76% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.76% above avgNationally 3.00%
Details
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.87%; Anticipated APY 3.95%
Rate History
No change since Oct 26, 2026 · 3.95% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
12 Month IRA Certificates
$0
3.90%
▲ 0.71% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.71% above avgNationally 3.00%
Details
Gold tier; Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 19, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
12 Month Share Certificates - Gold
$0
3.90%
▲ 0.71% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.71% above avgNationally 3.00%
Details
Anticipated rates; Effective as of: 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
12 Month IRA Certificate - Silver
$0
3.85%
▲ 0.66% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.66% above avgNationally 3.00%
Details
Anticipated rates; Silver tier ($20,000 minimum)
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
12 Month Share Certificates - Silver
$0
3.85%
▲ 0.66% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.66% above avgNationally 3.00%
Details
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
12 Month IRA Certificate - Bronze
$0
3.80%
▲ 0.61% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.61% above avgNationally 3.00%
Details
Bronze tier; anticipated rates; effective 10-19-2026 (PST)
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
12 Month Share Certificates - Bronze
$0
3.80%
▲ 0.61% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.61% above avgNationally 3.00%
Details
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
1-Year Certificate
$0
3.55%
▲ 0.36% above California avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.36% above avgNationally 3.00%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
1-Year IRA
$100,000
3.55%
▲ 0.36% above California avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.36% above avgNationally 3.00%
Details
$100,000 min. deposit (Jumbo); Effective Date: 02/04/2026
Rate History
2 changes since Sep 18, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
- Oct 7, 20263.55%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Jumbo 1-Year Certificate
$100,000
3.55%
▲ 0.36% above California avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.36% above avgNationally 3.00%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Jumbo 1-Year IRA
$100,000
3.55%
▲ 0.36% above California avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.36% above avgNationally 3.00%
Details
$100,000 min. deposit (Jumbo); Effective Date: 02/04/2026; IRA Term: 1 year
Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
1-Year Certificate
$50,000
3.50%
▲ 0.31% above California avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.31% above avgNationally 3.00%
Details
$50,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
1-Year IRA
$50,000
3.50%
▲ 0.31% above California avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.31% above avgNationally 3.00%
Details
$50,000 min. deposit
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
- Sep 24, 20263.50%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
1-Year Certificate
$25,000
3.45%
▲ 0.26% above California avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.26% above avgNationally 3.00%
Details
Rates for California; Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
1-Year IRA
$25,000
3.45%
▲ 0.26% above California avg
▼
Rate3.39%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.26% above avgNationally 3.00%
Details
Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
1-Year Certificate
$0
3.40%
▲ 0.21% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.21% above avgNationally 3.00%
Details
Share Certificate Rates; $1,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
1-Year IRA
$1,000
3.40%
▲ 0.21% above California avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.21% above avgNationally 3.00%
Details
Fixed Rate Accounts; Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.40% ▼ 0.05 pts · high 3.45% / low 3.40%
- Oct 7, 20263.40%▼ from 3.45%
- Sep 18, 20263.45%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Share Certificate - 1-Year Certificate
$1,000
3.40%
▲ 0.21% above California avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.21% above avgNationally 3.00%
Details
Dividend Rate 3.348%; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
12 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.25%
▲ 0.06% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.06% above avgNationally 3.00%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
1 Year Term Certificate
$1,000
3.20%
▲ 0.01% above California avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.01% above avgNationally 3.00%
Details
Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 4 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
12 Month Regular & Jumbo Certificates (Personal) - Regular
$0
3.10%
▼ 0.09% below California avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.09% below avgNationally 3.00%
Details
Balance: Under $100,000; Regular
Rate History
No change since Oct 15, 2026 · 3.10% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
12 Month Regular Certificate (Personal)
$0
3.10%
▼ 0.09% below California avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.09% below avgNationally 3.00%
Details
Balance: Under $100,000; Dividend Rate / APY as printed in source table
Rate History
No change since Oct 15, 2026 · 3.10% APY · checked 2 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
1 Year Term Certificate
$1,000
3.10%
▼ 0.09% below California avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.09% below avgNationally 3.00%
Details
Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 4 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 12 month
$0
3.00%
▼ 0.19% below California avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.19% below avgNationally 3.00%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
1 Year Term Certificate
$1,000
3.00%
▼ 0.19% below California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.19% below avgNationally 3.00%
Details
Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
12 Month Relationship Share Certificate - Plus 4 relationship products
$500
2.85%
▼ 0.34% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.34% below avgNationally 3.00%
Details
Relationship tier: Plus 4 relationship products; Sample deposit: $10,000; Potential earnings: $285.00; Requires FFCU Checking Account and Online Banking
Rate History
No change since Oct 26, 2026 · 2.85% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 12 month
$0
2.80%
▼ 0.39% below California avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.39% below avgNationally 3.00%
Details
Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY
Rate History
No change since Oct 15, 2026 · 2.80% APY · checked 2 times
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
12 Month Relationship Share Certificate - Plus 2 relationship products
$500
2.80%
▼ 0.39% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.39% below avgNationally 3.00%
Details
Relationship tier: Plus 2 relationship products; Sample deposit: $10,000; Potential earnings: $280.00; Requires FFCU Checking Account and Online Banking
Rate History
No change since Oct 26, 2026 · 2.80% APY
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
12 Month Relationship Share Certificate - Plus 3 relationship products
$500
2.80%
▼ 0.39% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.39% below avgNationally 3.00%
Details
Relationship tier: Plus 3 relationship products; Sample deposit: $10,000; Potential earnings: $280.00; Requires FFCU Checking Account and Online Banking
Rate History
No change since Oct 26, 2026 · 2.80% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
12 Month Liquid Certificate
$100
2.75%
▼ 0.44% below California avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details
Certificate Loan Eligible: No; Additional deposits permitted prior to maturity; Penalty-free withdrawals up to 50% of balance as of account opening
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
12-Month Liquid Certificate (Business)
$500
2.75%
▼ 0.44% below California avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details
Balance requirement: $500 minimum opening balance; Dividend Rate / APY shown as 2.716% / 2.750%
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
12-Month Liquid Certificate (Personal)
$100
2.75%
▼ 0.44% below California avg
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details
Balance Requirement: $100 minimum opening balance; minimum balance to open and obtain APY is $100 for regular personal share certificate
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
12 Month Aloha Share Certificate
$2,500
2.75%
▼ 0.44% below California avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details
Sample deposit (new money only): $10,000; Potential earnings: $275.00; Requires active Checking account with Online Banking; New money only
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
12 Month Relationship Share Certificate - Base
$500
2.75%
▼ 0.44% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details
Relationship tier: Base; Sample deposit: $10,000; Potential earnings: $275.00; Requires FFCU Checking Account and Online Banking
Rate History
No change since Oct 26, 2026 · 2.75% APY
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
12 Month Relationship Share Certificate - Plus 1 relationship product
$500
2.75%
▼ 0.44% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details
Relationship tier: Plus 1 relationship product; Sample deposit: $10,000; Potential earnings: $275.00; Requires FFCU Checking Account and Online Banking
Rate History
No change since Oct 26, 2026 · 2.75% APY
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
Promotional IRA Certificate - 12 Months
$0
2.75%
▼ 0.44% below California avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.44% below avgNationally 3.00%
Details
Promotional IRA Certificate (IRA / Roth / Educational IRA); new money only; dividends paid annually and at maturity; account renews at prevailing rate; Effective: 10/13/26
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 12 months
$1,000
1.75%
▼ 1.44% below California avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.44% below avgNationally 3.00%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 1.75% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4711 Candlewood St, Lakewood, CA 90712
1 Year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.68% below California avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.68% below avgNationally 3.00%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4711 Candlewood St, Lakewood, CA 90712
1 Year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.69% below California avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.69% below avgNationally 3.00%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 12 months
$1,000
1.50%
▼ 1.69% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.69% below avgNationally 3.00%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 12 months
$500
1.25%
▼ 1.94% below California avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.94% below avgNationally 3.00%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 12 months
$500
1.00%
▼ 2.19% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.19% below avgNationally 3.00%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5195 Lakewood Blvd, Lakewood, CA 90712
CD - 12-Month
$0
1.00%
▼ 2.19% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.19% below avgNationally 3.00%
Details
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 1.00% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 12 months
$1,000
0.75%
▼ 2.44% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 3.00%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.44% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 3.00%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
12 Month Standard CD
$1,000
0.75%
▼ 2.44% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 3.00%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 12 months
$500
0.65%
▼ 2.54% below California avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.54% below avgNationally 3.00%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.65% APY · checked 2 times
Lakewood 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5195 Lakewood Blvd, Lakewood, CA 90712
18-Month Variable Rate IRA
$0
4.17%
▲ 1.08% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.08% above avgNationally 2.90%
Details
IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 4.17% APY · checked 3 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
IRA Certificate Jumbo - 18 month
$0
4.00%
▲ 0.91% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
Jumbo Share Certificate - 18 month
$0
4.00%
▲ 0.91% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.91% above avgNationally 2.90%
Details
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.92%; Anticipated APY 4.00%
Rate History
No change since Oct 26, 2026 · 4.00% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
18 Month IRA Certificates
$0
3.95%
▲ 0.86% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.86% above avgNationally 2.90%
Details
Gold tier; Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 19, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
18 Month Share Certificates - Gold
$0
3.95%
▲ 0.86% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.86% above avgNationally 2.90%
Details
Anticipated rates; Effective as of: 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
18 Month IRA Certificate - Silver
$0
3.90%
▲ 0.81% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.81% above avgNationally 2.90%
Details
Anticipated rates; Silver tier ($20,000 minimum)
Rate History
No change since Oct 19, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
18 Month Share Certificates - Silver
$0
3.90%
▲ 0.81% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.81% above avgNationally 2.90%
Details
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
18 Month IRA Certificate - Bronze
$0
3.85%
▲ 0.76% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.76% above avgNationally 2.90%
Details
Bronze tier; anticipated rates; effective 10-19-2026 (PST)
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
18 Month Share Certificates - Bronze
$0
3.85%
▲ 0.76% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.76% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
18 Month Term Certificate
$1,000
3.25%
▲ 0.16% above California avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.16% above avgNationally 2.90%
Details
Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
18 Month Term Certificate
$1,000
3.15%
▲ 0.06% above California avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.06% above avgNationally 2.90%
Details
Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
18 Month Term Certificate
$1,000
3.05%
▼ 0.04% below California avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.04% below avgNationally 2.90%
Details
Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 4 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 18 months
$1,000
2.78%
▼ 0.31% below California avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.31% below avgNationally 2.90%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 2.78% APY · checked 2 times
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
Promotional IRA Certificate - 18 Months
$0
2.70%
▼ 0.39% below California avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.39% below avgNationally 2.90%
Details
Promotional IRA Certificate (IRA / Roth / Educational IRA); new money only; dividends paid annually and at maturity; account renews at prevailing rate; Effective: 10/13/26
Rate History
No change since Oct 19, 2026 · 2.70% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 18 months
$1,000
2.27%
▼ 0.82% below California avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.82% below avgNationally 2.90%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 2.27% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
18 Month Fixed Rate CD
$0
2.00%
▼ 1.09% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.09% below avgNationally 2.90%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
Fixed Rate CD - 18-Month
$0
2.00%
▼ 1.09% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.09% below avgNationally 2.90%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 18 months
$500
1.75%
▼ 1.34% below California avg
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.34% below avgNationally 2.90%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 1.75% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 18 months
$500
1.50%
▼ 1.59% below California avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.59% below avgNationally 2.90%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 18 months
$1,000
1.25%
▼ 1.84% below California avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.84% below avgNationally 2.90%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 18 months
$500
0.75%
▼ 2.34% below California avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.34% below avgNationally 2.90%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.34% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.34% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
18 Month Standard CD
$1,000
0.75%
▼ 2.34% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.34% below avgNationally 2.90%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 18 months
$1,000
0.20%
▼ 2.89% below California avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.89% below avgNationally 2.90%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.20% APY · checked 2 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5195 Lakewood Blvd, Lakewood, CA 90712
CD - 18-Month
$0
0.15%
▼ 2.94% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.94% below avgNationally 2.90%
Details
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 0.15% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 18 months
$1,000
0.10%
▼ 2.99% below California avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.99% below avgNationally 2.90%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 18 months
$500
0.10%
▼ 2.99% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.99% below avgNationally 2.90%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 18 months
$500
0.05%
▼ 3.04% below California avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.04% below avgNationally 2.90%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
PARISHIONERS
Institution Rating:
B+4.7 ★Texas Ratio: 18.39%
18-Month Certificate
$0
4.50%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.41% above avgNationally 2.90%
Details
Limited time only; Earn up to 4.50% APY
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 4 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45%
▲ 1.36% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.36% above avgNationally 2.90%
Details
Online Only; 30-day penalty may apply for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 20, 20264.45%▲ from 4.15%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 18 Months
$0
4.45%
▲ 1.36% above California avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.36% above avgNationally 2.90%
Details
Share Certificate Rates current as of October 23, 2026
Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 23, 20264.45%▲ from 4.35%
- Oct 13, 20264.35%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Senior Jumbo CD
$50,000
4.45%
▲ 1.36% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.36% above avgNationally 2.90%
Details
Senior rate
Rate History
1 change since Sep 29, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- Oct 5, 20264.45%▲ from 4.10%
- Sep 29, 20264.10%first recorded
United Catholics Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Term Certificates - 18 Months Special
$0
4.39%
▲ 1.30% above California avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.30% above avgNationally 2.90%
Details
Balance: $100,000 Minimum
Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18-Month CD
$25,000
4.35%
▲ 1.26% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details
Rate History
No change since Oct 28, 2026 · 4.35% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$0
4.35%
▲ 1.26% above California avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 4.35% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Senior Regular CD
$500
4.35%
▲ 1.26% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details
Senior rate
Rate History
1 change since Sep 29, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 29, 20264.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 18 Month
$0
4.35%
▲ 1.26% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Month Business Certificate Specials
$500
4.30%
▲ 1.21% above California avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.21% above avgNationally 2.90%
Details
Certificate Special; Minimum balance to obtain APY: $500; APY accurate as of 09-28-2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 1, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
United Catholics Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Term Certificates - 18 Months Special
$0
4.28%
▲ 1.19% above California avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.19% above avgNationally 2.90%
Details
Balance: $50,000 Minimum
Rate History
No change since Oct 22, 2026 · 4.28% APY · checked 2 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
18-MONTH IRA CD
$1,000
4.25%
▲ 1.16% above California avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
Personal Certificate of Deposit - 18-Month CD
$0
4.25%
▲ 1.16% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
18 Month Term Share Certificate
$500
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Term: 18 months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 18 Month
$1,000
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Minimum to open $1,000.00; Rates effective 10-22-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 1.16% above California avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25%
▲ 1.16% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
CD Special; Balance: $100,000+
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Months Promotional IRA Certificate
$500
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Promotional 18-month IRA certificate; automatically renews into a standard 24-month certificate at the rate in effect at renewal; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 4.25% APY
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Months Promotional Term Certificate
$1,000
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Promotional 18-month certificate; automatically renews into a standard 24-month certificate at the rate in effect at renewal; Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 26, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
18 Month Certificate - Rewards+ Loyalty Program
$500
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Lakewood 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
IRA Certificate Jumbo - 24 month
$0
4.00%
▲ 1.01% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.01% above avgNationally 2.90%
Details
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
Jumbo Share Certificate - 24 month
$0
4.00%
▲ 1.01% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.01% above avgNationally 2.90%
Details
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.92%; Anticipated APY 4.00%
Rate History
No change since Oct 26, 2026 · 4.00% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
24 Month IRA Certificates
$0
3.95%
▲ 0.96% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.96% above avgNationally 2.90%
Details
Gold tier; Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 19, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
24 Month Share Certificates - Gold
$0
3.95%
▲ 0.96% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.96% above avgNationally 2.90%
Details
Anticipated rates; Effective as of: 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
24 Month IRA Certificate - Silver
$0
3.90%
▲ 0.91% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.91% above avgNationally 2.90%
Details
Anticipated rates; Silver tier ($20,000 minimum)
Rate History
No change since Oct 19, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
24 Month Share Certificates - Silver
$0
3.90%
▲ 0.91% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.91% above avgNationally 2.90%
Details
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
24 Month IRA Certificate - Bronze
$0
3.85%
▲ 0.86% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.86% above avgNationally 2.90%
Details
Bronze tier; anticipated rates; effective 10-19-2026 (PST)
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
24 Month Share Certificates - Bronze
$0
3.85%
▲ 0.86% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.86% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
2 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.35%
▲ 0.36% above California avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 0.36% above avgNationally 2.90%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
2 Year Term Certificate
$1,000
3.30%
▲ 0.31% above California avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.31% above avgNationally 2.90%
Details
Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 4 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
2 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.20%
▲ 0.21% above California avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 0.21% above avgNationally 2.90%
Details
Balance: Under $100,000; Regular
Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
2 Year Regular Certificate (Personal)
$0
3.20%
▲ 0.21% above California avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 0.21% above avgNationally 2.90%
Details
Balance: Under $100,000; Dividend Rate / APY as printed in source table
Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
2 Year Term Certificate
$1,000
3.20%
▲ 0.21% above California avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.21% above avgNationally 2.90%
Details
Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
2 Year Term Certificate
$1,000
3.10%
▲ 0.11% above California avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.11% above avgNationally 2.90%
Details
Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 4 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
2-Year Certificate
$25,000
3.05%
▲ 0.06% above California avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.06% above avgNationally 2.90%
Details
$25,000 min. deposit; Effective Date: 02/04/2026
Rate History
1 change since Sep 18, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.95%
- Oct 20, 20263.05%▲ from 2.95%
- Sep 18, 20262.95%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
2-Year IRA
$100,000
3.05%
▲ 0.06% above California avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.06% above avgNationally 2.90%
Details
Jumbo: $100,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Jumbo 2-Year Certificate
$100,000
3.05%
▲ 0.06% above California avg
▼
Rate3.01%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.06% above avgNationally 2.90%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.05% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
2-Year Certificate
$50,000
3.00%
▲ 0.01% above California avg
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.01% above avgNationally 2.90%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
2-Year IRA
$50,000
3.00%
▲ 0.01% above California avg
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.01% above avgNationally 2.90%
Details
Fixed Rate Accounts; $50,000 min. deposit
Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.00% / low 2.95%
- Oct 7, 20263.00%▲ from 2.95%
- Sep 24, 20262.95%▼ from 3.00%
- Sep 18, 20263.00%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
2-Year Certificate
$25,000
2.95%
▼ 0.04% below California avg
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.04% below avgNationally 2.90%
Details
$25,000 min. deposit; Rates for California
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
2-Year IRA
$25,000
2.95%
▼ 0.04% below California avg
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.04% below avgNationally 2.90%
Details
Balance: $25,000 min. deposit; Fixed Rate Accounts; Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 18, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
- Sep 24, 20262.95%▼ from 3.00%
- Sep 18, 20263.00%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
2-Year Certificate
$1,000
2.90%
▼ 0.09% below California avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.09% below avgNationally 2.90%
Details
Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 18, 2026 · 2.95% → 2.90% ▼ 0.05 pts · high 2.95% / low 2.90%
- Oct 14, 20262.90%▼ from 2.95%
- Sep 18, 20262.95%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
2-Year IRA
$1,000
2.90%
▼ 0.09% below California avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.09% below avgNationally 2.90%
Details
Dividend Rate 2.859%; Rates for California
Rate History
2 changes since Sep 18, 2026 · 3.00% → 2.90% ▼ 0.10 pts · high 3.00% / low 2.90%
- Oct 7, 20262.90%▼ from 2.95%
- Sep 24, 20262.95%▼ from 3.00%
- Sep 18, 20263.00%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
2 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.75%
▼ 0.24% below California avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 0.24% below avgNationally 2.90%
Details
Balance: $100,000 and above
Rate History
No change since Oct 23, 2026 · 2.75% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 2 years
$0
2.75%
▼ 0.24% below California avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 0.24% below avgNationally 2.90%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.74%
4018 Hardwick ST, Lakewood, CA 90712 2349
Promotional IRA Certificate - 24 Months
$0
2.70%
▼ 0.29% below California avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.29% below avgNationally 2.90%
Details
Promotional IRA Certificate (IRA / Roth / Educational IRA); new money only; dividends paid annually and at maturity; account renews at prevailing rate; Effective: 10/13/26
Rate History
No change since Oct 19, 2026 · 2.70% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
2 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.65%
▼ 0.34% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 0.34% below avgNationally 2.90%
Details
Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY
Rate History
No change since Oct 23, 2026 · 2.65% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 2 years
$0
2.65%
▼ 0.34% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 0.34% below avgNationally 2.90%
Details
Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY
Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 24 months
$500
2.27%
▼ 0.72% below California avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.72% below avgNationally 2.90%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 2.27% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 24 months
$500
2.02%
▼ 0.97% below California avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.97% below avgNationally 2.90%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 2.02% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
2 Year Fixed Rate CD
$0
2.00%
▼ 0.99% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.99% below avgNationally 2.90%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
Fixed Rate CD - 2-Year
$0
2.00%
▼ 0.99% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.99% below avgNationally 2.90%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 24 months
$1,000
1.50%
▼ 1.49% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 1.49% below avgNationally 2.90%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 24 months
$1,000
1.00%
▼ 1.99% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 1.99% below avgNationally 2.90%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 24 months
$500
1.00%
▼ 1.99% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 1.99% below avgNationally 2.90%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 24 months
$1,000
0.75%
▼ 2.24% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.24% below avgNationally 2.90%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.24% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.24% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
24 Month Standard CD
$1,000
0.75%
▼ 2.24% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.24% below avgNationally 2.90%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 24 months
$1,000
0.20%
▼ 2.79% below California avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.79% below avgNationally 2.90%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.20% APY · checked 2 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5195 Lakewood Blvd, Lakewood, CA 90712
CD - 24-Month
$0
0.20%
▼ 2.79% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.79% below avgNationally 2.90%
Details
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 0.20% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 24 months
$1,000
0.15%
▼ 2.84% below California avg
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.84% below avgNationally 2.90%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 24 months
$500
0.15%
▼ 2.84% below California avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.84% below avgNationally 2.90%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 24 months
$500
0.10%
▼ 2.89% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.89% below avgNationally 2.90%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60%
▲ 1.61% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.61% above avgNationally 2.90%
Details
Minimum balance to open account online: $1,000; Opened online; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.60% APY · checked 2 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
24 Month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.51% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.51% above avgNationally 2.90%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA 24 month Certificate - Rewards+ Loyalty Program
$25
4.50%
▲ 1.51% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.51% above avgNationally 2.90%
Details
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Elite Jumbo CD
$250,000
4.45%
▲ 1.46% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.46% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- Oct 5, 20264.45%▲ from 4.10%
- Sep 21, 20264.10%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 24 Month
$1,000
4.40%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details
Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 24 Month
$1,000
4.40%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details
Wealth Center/Telephone Only; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 26, 2026 · 4.40% APY
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24-Month CD
$25,000
4.40%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details
Rate History
No change since Oct 28, 2026 · 4.40% APY
Lakewood 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
IRA Certificate Jumbo - 36 month
$0
4.00%
▲ 0.99% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
Jumbo Share Certificate - 36 month
$0
4.00%
▲ 0.99% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.92%; Anticipated APY 4.00%
Rate History
No change since Oct 26, 2026 · 4.00% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
36 Month IRA Certificates
$0
3.95%
▲ 0.94% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details
Gold tier; Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 19, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
36 Month Share Certificates - Gold
$0
3.95%
▲ 0.94% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details
Anticipated rates; Effective as of: 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
36 Month IRA Certificate - Silver
$0
3.90%
▲ 0.89% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details
Anticipated rates; Silver tier ($20,000 minimum)
Rate History
No change since Oct 19, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
36 Month Share Certificates - Silver
$0
3.90%
▲ 0.89% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
36 Month IRA Certificate - Bronze
$0
3.85%
▲ 0.84% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.84% above avgNationally 2.81%
Details
Bronze tier; anticipated rates; effective 10-19-2026 (PST)
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
36 Month Share Certificates - Bronze
$0
3.85%
▲ 0.84% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.84% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.35%
▲ 0.34% above California avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.20%
▲ 0.19% above California avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details
Balance: Under $100,000; Regular
Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Year Regular Certificate (Personal)
$0
3.20%
▲ 0.19% above California avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details
Balance: Under $100,000; Dividend Rate / APY as printed in source table
Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
3 Year Term Certificate
$1,000
3.20%
▲ 0.19% above California avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.19% above avgNationally 2.81%
Details
Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
3 Year Term Certificate
$1,000
3.10%
▲ 0.09% above California avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.09% above avgNationally 2.81%
Details
Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
3 Year Term Certificate
$1,000
3.00%
▼ 0.01% below California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.01% below avgNationally 2.81%
Details
Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 36 months
$500
2.78%
▼ 0.23% below California avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.23% below avgNationally 2.81%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 2.78% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Year Certificate
$0
2.70%
▼ 0.31% below California avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Year IRA
$1,000
2.70%
▼ 0.31% below California avg
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details
Fixed Rate Accounts; Effective Date: 02/04/2026; Rates for California; Page context lists 3-Year IRA at 2.518% dividend / 2.55% APY, which conflicts with this table
Rate History
1 change since Sep 24, 2026 · 2.60% → 2.70% ▲ 0.10 pts · high 2.70% / low 2.60%
- Oct 7, 20262.70%▲ from 2.60%
- Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Jumbo 3-Year Certificate
$100,000
2.70%
▼ 0.31% below California avg
▼
Rate2.67%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 7, 2026 · 2.70% APY · checked 4 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.70%
▼ 0.31% below California avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details
Balance: $100,000 and above
Rate History
No change since Oct 23, 2026 · 2.70% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 3 years
$0
2.70%
▼ 0.31% below California avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 2.70% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Year Certificate
$50,000
2.65%
▼ 0.36% below California avg
▼
Rate2.62%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.36% below avgNationally 2.81%
Details
$50,000 min. deposit; Rates for California
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Year IRA
$0
2.65%
▼ 0.36% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.36% below avgNationally 2.81%
Details
Balance: $50,000 min. deposit; Effective Date: 02/04/2026
Rate History
No change since Oct 20, 2026 · 2.65% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Year Certificate
$25,000
2.60%
▼ 0.41% below California avg
▼
Rate2.57%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details
$25,000 min. deposit tier; Dividend Rate 2.570%
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Year IRA
$0
2.60%
▼ 0.41% below California avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details
Balance: $25,000 min. deposit; Effective Date: 02/04/2026
Rate History
No change since Oct 20, 2026 · 2.60% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
3 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.60%
▼ 0.41% below California avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details
Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY
Rate History
No change since Oct 23, 2026 · 2.60% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 3 years
$0
2.60%
▼ 0.41% below California avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details
Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY
Rate History
No change since Oct 15, 2026 · 2.60% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Year Certificate
$1,000
2.55%
▼ 0.46% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.46% below avgNationally 2.81%
Details
Share Certificate Rates; Rates for California
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
3-Year IRA
$1,000
2.55%
▼ 0.46% below California avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.46% below avgNationally 2.81%
Details
Fixed Rate Accounts; IRA; Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 24, 2026 · 2.60% → 2.55% ▼ 0.05 pts · high 2.60% / low 2.55%
- Oct 7, 20262.55%▼ from 2.60%
- Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Share Certificate - 3-Year Certificate
$1,000
2.55%
▼ 0.46% below California avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.46% below avgNationally 2.81%
Details
Rates for California; Effective Date: 02/04/2026
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 36 months
$500
2.27%
▼ 0.74% below California avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.74% below avgNationally 2.81%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 2.27% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
3 Year Fixed Rate CD
$0
2.00%
▼ 1.01% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.01% below avgNationally 2.81%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
Fixed Rate CD - 3-Year
$0
2.00%
▼ 1.01% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.01% below avgNationally 2.81%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 36 months
$1,000
1.50%
▼ 1.51% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.51% below avgNationally 2.81%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 36 months
$500
1.25%
▼ 1.76% below California avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.76% below avgNationally 2.81%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 36 months
$1,000
1.00%
▼ 2.01% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.01% below avgNationally 2.81%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 36 months
$1,000
0.75%
▼ 2.26% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.26% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
36 Month Standard CD
$1,000
0.75%
▼ 2.26% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5195 Lakewood Blvd, Lakewood, CA 90712
CD - 36-Month
$0
0.35%
▼ 2.66% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.66% below avgNationally 2.81%
Details
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 0.35% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 36 months
$1,000
0.25%
▼ 2.76% below California avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 36 months
$1,000
0.15%
▼ 2.86% below California avg
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.86% below avgNationally 2.81%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 36 months
$500
0.15%
▼ 2.86% below California avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.86% below avgNationally 2.81%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 36 months
$500
0.10%
▼ 2.91% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.91% below avgNationally 2.81%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50%
▲ 1.49% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
36 Month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.49% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA 36 month Certificate - Rewards+ Loyalty Program
$25
4.50%
▲ 1.49% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
36 Month Deferred Compensation Certificate
$0
4.40%
▲ 1.39% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details
Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 5 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Deferred Compensation Certificate - 36 months
$50
4.40%
▲ 1.39% above California avg
▼
Rate4.31%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details
Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.40% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$0
4.40%
▲ 1.39% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.34% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.34% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Lakewood 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
IRA Certificate Jumbo - 48 month
$0
4.05%
▲ 0.99% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.99% above avgNationally 2.80%
Details
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Oct 10, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
Jumbo Share Certificate - 48 month
$0
4.05%
▲ 0.99% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.99% above avgNationally 2.80%
Details
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.97%; Anticipated APY 4.05%
Rate History
No change since Oct 26, 2026 · 4.05% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
48 Month IRA Certificates
$0
4.00%
▲ 0.94% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.94% above avgNationally 2.80%
Details
Gold tier; Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
48 Month Share Certificates - Gold
$0
4.00%
▲ 0.94% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.94% above avgNationally 2.80%
Details
Anticipated rates; Effective as of: 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
48 Month IRA Certificate - Silver
$0
3.95%
▲ 0.89% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.89% above avgNationally 2.80%
Details
Anticipated rates; Silver tier ($20,000 minimum)
Rate History
No change since Oct 19, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
48 Month Share Certificates - Silver
$0
3.95%
▲ 0.89% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.89% above avgNationally 2.80%
Details
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
48 Month IRA Certificate - Bronze
$0
3.90%
▲ 0.84% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.84% above avgNationally 2.80%
Details
Bronze tier; anticipated rates; effective 10-19-2026 (PST)
Rate History
No change since Oct 19, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
48 Month Share Certificates - Bronze
$0
3.90%
▲ 0.84% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.84% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
4 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.40%
▲ 0.34% above California avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 0.34% above avgNationally 2.80%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
4 Year Term Certificate
$1,000
3.30%
▲ 0.24% above California avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.24% above avgNationally 2.80%
Details
Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 4 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
4 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.25%
▲ 0.19% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 0.19% above avgNationally 2.80%
Details
Balance: Under $100,000; Regular
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
4 Year Regular Certificate (Personal)
$0
3.25%
▲ 0.19% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 0.19% above avgNationally 2.80%
Details
Balance: Under $100,000; Dividend Rate / APY as printed in source table
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
4 Year Term Certificate
$1,000
3.20%
▲ 0.14% above California avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.14% above avgNationally 2.80%
Details
Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
4 Year Term Certificate
$1,000
3.10%
▲ 0.04% above California avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.04% above avgNationally 2.80%
Details
Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 4 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
4-Year Certificate
$0
2.85%
▼ 0.21% below California avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.21% below avgNationally 2.80%
Details
Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
4-Year IRA
$100,000
2.85%
▼ 0.21% below California avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.21% below avgNationally 2.80%
Details
$100,000 min. deposit (Jumbo); Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
- Oct 7, 20262.85%▲ from 2.75%
- Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Jumbo 4-Year Certificate
$100,000
2.85%
▼ 0.21% below California avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.21% below avgNationally 2.80%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 2.85% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
4-Year Certificate
$50,000
2.80%
▼ 0.26% below California avg
▼
Rate2.77%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.26% below avgNationally 2.80%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
4-Year IRA
$50,000
2.80%
▼ 0.26% below California avg
▼
Rate2.76%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.26% below avgNationally 2.80%
Details
$50,000 min. deposit; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
- Oct 7, 20262.80%▲ from 2.75%
- Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
4-Year Certificate
$25,000
2.75%
▼ 0.31% below California avg
▼
Rate2.72%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.31% below avgNationally 2.80%
Details
$25,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
4-Year IRA
$25,000
2.75%
▼ 0.31% below California avg
▼
Rate2.71%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.31% below avgNationally 2.80%
Details
$25,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
4-Year Certificate
$1,000
2.70%
▼ 0.36% below California avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.36% below avgNationally 2.80%
Details
Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
4-Year IRA
$1,000
2.70%
▼ 0.36% below California avg
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.36% below avgNationally 2.80%
Details
Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
- Oct 7, 20262.70%▼ from 2.75%
- Sep 24, 20262.75%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
4 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.65%
▼ 0.41% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▼ 0.41% below avgNationally 2.80%
Details
Balance: $100,000 and above
Rate History
No change since Oct 23, 2026 · 2.65% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 4 years
$0
2.65%
▼ 0.41% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▼ 0.41% below avgNationally 2.80%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
4 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.55%
▼ 0.51% below California avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▼ 0.51% below avgNationally 2.80%
Details
Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY
Rate History
No change since Oct 23, 2026 · 2.55% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 4 years
$0
2.55%
▼ 0.51% below California avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▼ 0.51% below avgNationally 2.80%
Details
Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY
Rate History
No change since Oct 15, 2026 · 2.55% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
4 Year Fixed Rate CD
$0
2.00%
▼ 1.06% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.06% below avgNationally 2.80%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
Fixed Rate CD - 4-Year
$0
2.00%
▼ 1.06% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.06% below avgNationally 2.80%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 48 months
$500
1.50%
▼ 1.56% below California avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.56% below avgNationally 2.80%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 48 months
$1,000
1.25%
▼ 1.81% below California avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.81% below avgNationally 2.80%
Details
Balance: $500,000 or more
Rate History
1 change since Oct 20, 2026 · 1.26% → 1.25% ▼ 0.01 pts · high 1.26% / low 1.25%
- Oct 26, 20261.25%▼ from 1.26%
- Oct 20, 20261.26%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 48 months
$1,000
1.00%
▼ 2.06% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.06% below avgNationally 2.80%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 48 months
$500
1.00%
▼ 2.06% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.06% below avgNationally 2.80%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 48 months
$1,000
0.75%
▼ 2.31% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 48 months
$500
0.75%
▼ 2.31% below California avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.31% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
48 Month Standard CD
$1,000
0.75%
▼ 2.31% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5195 Lakewood Blvd, Lakewood, CA 90712
CD - 48-Month
$0
0.45%
▼ 2.61% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.61% below avgNationally 2.80%
Details
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 0.45% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 48 months
$1,000
0.35%
▼ 2.71% below California avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.71% below avgNationally 2.80%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 48 months
$500
0.20%
▼ 2.86% below California avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.86% below avgNationally 2.80%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.20% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 48 months
$500
0.15%
▼ 2.91% below California avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.91% below avgNationally 2.80%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 48 months
$1,000
0.05%
▼ 3.01% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 3.01% below avgNationally 2.80%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.69% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.69% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
48 Month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.44% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.44% above avgNationally 2.80%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA 48 month Certificate - Rewards+ Loyalty Program
$25
4.50%
▲ 1.44% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.44% above avgNationally 2.80%
Details
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$0
4.40%
▲ 1.34% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.34% above avgNationally 2.80%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
IRA 48 Month Certificate
$1,000
4.35%
▲ 1.29% above California avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.29% above avgNationally 2.80%
Details
Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 19, 20264.35%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.24% above California avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.24% above avgNationally 2.80%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Share Certificate - 48 Months
$1,000
4.30%
▲ 1.24% above California avg
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.24% above avgNationally 2.80%
Details
Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply
Rate History
1 change since Oct 14, 2026 · 3.70% → 4.30% ▲ 0.60 pts · high 4.30% / low 3.70%
- Oct 19, 20264.30%▲ from 3.70%
- Oct 14, 20263.70%first recorded
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Certificate - 4 Years
$1,000
4.28%
▲ 1.22% above California avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.22% above avgNationally 2.80%
Details
APY range: 4.28% - 4.49%; Minimum = $1,000; Jumbo certificates over $75,000 add .20%
Rate History
No change since Oct 23, 2026 · 4.28% APY
Lakewood 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
IRA Certificate Jumbo - 60 month
$0
4.05%
▲ 0.86% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.86% above avgNationally 2.91%
Details
Balance: Over $90,000; IRA Certificate; Anticipated Dividend Rate and APY; Rates Effective as of: 10-26-2026 (PST)
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Oct 10, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
Jumbo Share Certificate - 60 month
$0
4.05%
▲ 0.86% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.86% above avgNationally 2.91%
Details
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.97%; Anticipated APY 4.05%
Rate History
No change since Oct 26, 2026 · 4.05% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
60 Month IRA Certificates
$0
4.00%
▲ 0.81% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.81% above avgNationally 2.91%
Details
Gold tier; Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
60 Month Share Certificates - Gold
$0
4.00%
▲ 0.81% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.81% above avgNationally 2.91%
Details
Anticipated rates; Effective as of: 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
60 Month IRA Certificate - Silver
$0
3.95%
▲ 0.76% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.76% above avgNationally 2.91%
Details
Anticipated rates; Silver tier ($20,000 minimum)
Rate History
No change since Oct 19, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
60 Month Share Certificates - Silver
$0
3.95%
▲ 0.76% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.76% above avgNationally 2.91%
Details
Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
60 Month IRA Certificate - Bronze
$0
3.90%
▲ 0.71% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.71% above avgNationally 2.91%
Details
Bronze tier; anticipated rates; effective 10-19-2026 (PST)
Rate History
No change since Oct 19, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4916 Bellflower Blvd, Lakewood, CA 90713 1810
60 Month Share Certificates - Bronze
$0
3.90%
▲ 0.71% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.71% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 3 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
5 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.70%
▲ 0.51% above California avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.51% above avgNationally 2.91%
Details
Balance: $100,000 and above; Jumbo
Rate History
1 change since Oct 15, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
- Oct 23, 20263.70%▲ from 3.45%
- Oct 15, 20263.45%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
5 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.55%
▲ 0.36% above California avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.36% above avgNationally 2.91%
Details
Balance: Under $100,000; Regular
Rate History
1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
- Oct 23, 20263.55%▲ from 3.30%
- Oct 15, 20263.30%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
5 Year Regular Certificate (Personal)
$0
3.55%
▲ 0.36% above California avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.36% above avgNationally 2.91%
Details
Balance: Under $100,000; Dividend Rate / APY as printed in source table
Rate History
1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
- Oct 23, 20263.55%▲ from 3.30%
- Oct 15, 20263.30%first recorded
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
5 Year Term Certificate
$1,000
3.40%
▲ 0.21% above California avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.21% above avgNationally 2.91%
Details
Balance: $50,000 and up; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 4 times
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
5 Year Term Certificate
$1,000
3.30%
▲ 0.11% above California avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.11% above avgNationally 2.91%
Details
Balance: $10,000 - $49,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 4 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
5-Year Certificate
$0
3.25%
▲ 0.06% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.06% above avgNationally 2.91%
Details
$100,000 min. deposit (Jumbo); Rates for California; Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
5-Year IRA
$100,000
3.25%
▲ 0.06% above California avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.06% above avgNationally 2.91%
Details
Jumbo: $100,000 min. deposit; Rates for California
Rate History
1 change since Sep 24, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
- Oct 7, 20263.25%▲ from 3.15%
- Sep 24, 20263.15%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
Jumbo 5-Year Certificate
$100,000
3.25%
▲ 0.06% above California avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.06% above avgNationally 2.91%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
5-Year Certificate
$50,000
3.20%
▲ 0.01% above California avg
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.01% above avgNationally 2.91%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
5-Year IRA
$50,000
3.20%
▲ 0.01% above California avg
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.01% above avgNationally 2.91%
Details
$50,000 min. deposit; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15%
- Oct 7, 20263.20%▲ from 3.15%
- Sep 24, 20263.15%first recorded
FirstCity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4107 Candlewood St, Lakewood, CA 90712 1621
5 Year Term Certificate
$1,000
3.20%
▲ 0.01% above California avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.01% above avgNationally 2.91%
Details
Balance: $1,000 - $9,999; Penalties will be imposed for early withdrawals; Rates effective as of February 1, 2025
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 4 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
5-Year Certificate
$25,000
3.15%
▼ 0.04% below California avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.04% below avgNationally 2.91%
Details
$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
5-Year IRA
$25,000
3.15%
▼ 0.04% below California avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.04% below avgNationally 2.91%
Details
$25,000 min. deposit; IRA Term: 5 years
Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
5-Year Certificate
$1,000
3.10%
▼ 0.09% below California avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.09% below avgNationally 2.91%
Details
Share Certificate Rates; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2660 Carson St, LAKEWOOD, CA 90712 4109
5-Year IRA
$1,000
3.10%
▼ 0.09% below California avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.09% below avgNationally 2.91%
Details
IRA; Fixed Rate Accounts; Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- Oct 7, 20263.10%▼ from 3.15%
- Sep 24, 20263.15%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
5 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.75%
▼ 0.44% below California avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 2.91%
Details
Balance: $100,000 and above
Rate History
No change since Oct 23, 2026 · 2.75% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 5 years
$0
2.75%
▼ 0.44% below California avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.44% below avgNationally 2.91%
Details
Balance: $100,000 and above; Jumbo
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
5 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.65%
▼ 0.54% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.54% below avgNationally 2.91%
Details
Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY
Rate History
No change since Oct 23, 2026 · 2.65% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4055 Hardwick St, Lakewood, CA 90712
Regular & Jumbo Certificates (Business) - 5 years
$0
2.65%
▼ 0.54% below California avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 0.54% below avgNationally 2.91%
Details
Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY
Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
5 Year Fixed Rate CD
$0
2.00%
▼ 1.19% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.19% below avgNationally 2.91%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
5525 Carson St, Lakewood, CA 90713
Fixed Rate CD - 5-Year
$0
2.00%
▼ 1.19% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.19% below avgNationally 2.91%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 60 months
$1,000
1.75%
▼ 1.44% below California avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.44% below avgNationally 2.91%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 1.75% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 60 months
$1,000
1.50%
▼ 1.69% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.69% below avgNationally 2.91%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 60 months
$500
1.50%
▼ 1.69% below California avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.69% below avgNationally 2.91%
Details
Balance: $500,000 or more
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 60 months
$1,000
1.00%
▼ 2.19% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.19% below avgNationally 2.91%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 60 months
$500
1.00%
▼ 2.19% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.19% below avgNationally 2.91%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 60 months
$500
0.75%
▼ 2.44% below California avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 2.91%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.44% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 2.91%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5240 Clark Ave, Lakewood, CA 90712
60 Month Standard CD
$1,000
0.75%
▼ 2.44% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 2.91%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
5195 Lakewood Blvd, Lakewood, CA 90712
CD - 60-Month
$0
0.50%
▼ 2.69% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.69% below avgNationally 2.91%
Details
CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 0.50% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 60 months
$1,000
0.35%
▼ 2.84% below California avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.84% below avgNationally 2.91%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 60 months
$500
0.25%
▼ 2.94% below California avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.94% below avgNationally 2.91%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
IRA Certificate - 60 months
$500
0.15%
▼ 3.04% below California avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.04% below avgNationally 2.91%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
4909 Lakewood Blvd, Lakewood, CA 90712
Certificate of Deposit - 60 months
$1,000
0.05%
▼ 3.14% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.14% below avgNationally 2.91%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.56% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.56% above avgNationally 2.91%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Executive
$0
4.60%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details
Minimum: $100,000; APY based on minimum deposits of at least $500
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 23, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60%
▲ 1.41% above California avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60%
▲ 1.41% above California avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate
$10,000
4.60%
▲ 1.41% above California avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate
$100,000
4.60%
▲ 1.41% above California avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional IRA Certificate
$500
4.60%
▲ 1.41% above California avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate
$10,000
4.60%
▲ 1.41% above California avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.41% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Lakewood, CA CD Rate Trends
Compare local Lakewood, 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
3.187%
▲ 0.004 vs 7 days ago
California 12-month CD rates rose 0.004 points over the past 7 days to 3.187% APY.
6-Month CD CA Avg
2.970%
▼ 0.001 vs 7 days ago
California 6-month CD rates fell 0.001 points over the past 7 days to 2.970% APY.
As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
CA CD Rate Forecast, Next 12 Months
Where are California CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
3.187%
6-Month Forecast
3.187%
Range: 2.99%, 3.34%
12-Month Forecast
3.437%
Range: 3.24%, 3.59%
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What Your Savings Earn at CA CD Rates Today
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.430% | $121.48 | $242.96 | $607.40 | $1,214.80 |
| 6-Month CD | 2.970% | $148.49 | $296.97 | $742.43 | $1,484.85 |
| 12-Month CD | 3.187% | $159.34 | $318.68 | $796.70 | $1,593.40 |
| 18-Month CD | 3.093% | $154.64 | $309.28 | $773.20 | $1,546.40 |
| 24-Month CD | 2.989% | $149.46 | $298.92 | $747.30 | $1,494.60 |
| 36-Month CD | 3.011% | $150.57 | $301.13 | $752.82 | $1,505.65 |
| 48-Month CD | 3.060% | $152.98 | $305.97 | $764.93 | $1,529.85 |
| 60-Month CD | 3.194% | $159.69 | $319.37 | $798.43 | $1,596.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 28, 2026. | |||||
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Sample CD Ladder for Lakewood, 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 | 2.430% | $121.48 |
| 2 | 6-Month CD | $5,000 | 2.970% | $148.49 |
| 3 | 12-Month CD | $5,000 | 3.187% | $159.34 |
| 4 | 24-Month CD | $5,000 | 2.989% | $149.46 |
| 5 | 36-Month CD | $5,000 | 3.011% | $150.57 |
| Total ($25,000 invested) | $25,000 | 2.917% blended | $729.34/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.
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3,568
CD Rates
Tracked in Lakewood, California
Tracked in Lakewood, California
33 Banks
76 Credit Unions
About Our Lakewood, California CD Rate Database
MonitorBankRates tracks 3,568 CD rates from 33 banks and 76 credit unions with locations in Lakewood, 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 to 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: Citi offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lakewood, California.
How to Find the Best CD Rates in Lakewood, California
What to compare when shopping for a CD in Lakewood, California
To find the best APYs in Lakewood, California, start with credit unions and online-only banks: Lakewood, California has 76 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 Lakewood, 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 Lakewood, California: 109 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Lakewood, California savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Lakewood, California money market rates
Lakewood, California Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.3%
National avg: 17.3%
Median Individual Earnings
$55,226
National avg: $47,340
Poverty Rate
5.8%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$176/yr
At CA 12-mo avg 3.187% APY
15.3% of residents are 65 or older, below the national average of 17.3%. At today’s CA 12-month CD average of 3.187%, saving 10% of the local median salary ($5,522/year) and putting it in a CD would earn an additional $176 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 Lakewood, 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 to 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 |
CD Product Information
How CDs Work
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 Lakewood, 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 Lakewood, California as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Lakewood, California savers easier access to their funds. For example, LBS Financial Credit Union is offering its IRA Certificate Jumbo - 6 month at 3.85% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, LBS Financial Credit Union is offering its IRA Certificate Jumbo - 60 month at 4.05% 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
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 Lakewood, 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
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 Lakewood, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Lakewood, 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 Lakewood, California
What are CD rates in Lakewood, California today?
Lakewood, California CD rates range from 0.03% to 5.90% APY as of October 28, 2026, verified by MonitorBankRates. Top rates include 4.25% APY at Citi (1 Year Fixed Rate CD), 4.17% at First Bank Creve Coeur, MO (18-Month Variable Rate IRA) and 4.05% at LBS Financial Credit Union (IRA Certificate Jumbo - 48 month), compared with the MonitorBankRates national 12 month average of 3.00% APY.
Are CD rates in Lakewood, California FDIC insured?
Yes, most established banks in Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, California?
Here are recent top rates found for this area:
- Citi: 4.25% APY (1 Year Fixed Rate CD)
- First Bank Creve Coeur, MO: 4.17% APY (18-Month Variable Rate IRA)
- LBS Financial Credit Union: 4.05% APY (IRA Certificate Jumbo - 48 month)
- Kinecta Federal Credit Union: 3.70% APY (5 Year Regular & Jumbo Certificates (Personal) - Jumbo)
- Nuvision Federal Credit Union: 3.55% APY (1-Year Certificate)
- FirstCity Credit Union: 3.40% APY (5 Year Term Certificate)
- The First Financial Federal Credit Union: 2.85% APY (12 Month Relationship Share Certificate - Plus 4 relationship products)
- F&M Bank of Long Beach: 2.78% APY (Certificate of Deposit - 18 months)
- Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
- BMO Bank National Association: 0.75% APY (12 Month IRA Certificate of Deposit)
Rates reflect recent verified offers available in Lakewood, California. Last Updated: October 28, 2026
Lakewood, California CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Lakewood, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Lakewood, California
Lakewood, California CD Calculator
At today’s CA top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Lakewood, California CD LadderCA CD rates currently range from 2.430% (3-month) to 3.011% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lakewood, California CD at 4.25% APY, know your exit cost. Most institutions charge 90 to 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 3.187% 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 Lakewood, 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 Lakewood, 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 Lakewood, 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: October 28, 2026
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