Current Landers, California CD rates include Schools Federal Credit UnionSchools Federal Credit UnionA+5.0 ★Texas Ratio: 1.31%Real return: +3.10%APY minus CPI (February 2026) offering Relationship Certificate (12 months) at 5.90% APY, Corazo Credit UnionCorazo Credit UnionA5.0 ★Texas Ratio: 8.60%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate at 4.50% APY, Premier One Credit UnionPremier One Credit UnionA+5.0 ★Texas Ratio: 1.63%Real return: +1.70%APY minus CPI (February 2026) offering 24-month IRA Traditional & Roth Share Certificates at 4.50% APY, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit UnionA+5.0 ★Texas Ratio: 5.68%Real return: +1.50%APY minus CPI (February 2026) offering Deferred Compensation Certificates 60 months at 4.30% APY, and CBC Federal Credit UnionCBC Federal Credit UnionA+5.0 ★Texas Ratio: 4.13%Real return: +1.45%APY minus CPI (February 2026) offering 1-Year IRA Term Share Certificates at 4.25% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Landers is a smaller community with no bank or credit union branches currently in our database. 783 institutions serving the California area are available to Landers residents, with CD rates as high as 5.90% APY from Schools Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
*APY: Annual Percentage Yield
Minimum to Open $1,000.00
$50,000
balances $10,000 - $100,000
$100,000 per member maximum
$100,000 per member maximum
$20,000
$2,500
$2,500 up to $49,999*
$100,000 and over
$100,000 and over
Rewards+ Loyalty Program
$100,000 per member maximum
$100,000 per member maximum
Funding Limit: $12M
$10,000 to $99,999.99
$10,000 to $99,999.99
IRA not Eligible
Share Certificates Balance $1,000.00-$49,999.99; IRA Certificates Balance $500.00-$49,999.99
Rates subject to change
New Money Only
New Money Only
Share Certificates
$50,000
$50,000
$20,000
$20,000
No monthly fee
$10,000
Minimum to open & earn dividends: $50,000
$2,500
Minimum to open & earn dividends: $1,000
Terms Apply
APY= Annual Percentage Yield. Stated rate is 4.169%. APY is accurate as of April 1, 2026. $500.00 minimum deposit required. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice
payroll deposit only
$10,000 - $49,999.99
Minimum to open & earn dividends: $1,000
Minimum to open & earn dividends: $100,000
Minimum to open & earn dividends: $50,000
Limited time offer. Only available in our branches.
$50,000
$50,000
$50,000
$50,000
$20,000
$20,000
$2,500
$100
Rewards+ Loyalty Program
Rewards+ Loyalty Program
IRA Certificates are available.
For a limited time only, pick your certificate term!
$100,000 and over
$50,000 - $99,999.99
$10,000 - $49,999.99
$50,000
$50,000
Minimum to open & earn dividends: $100,000
Minimum to open & earn dividends: $100,000
$20,000
$20,000
$2,500
Minimum to open & earn dividends: $50,000
$100
Minimum to open & earn dividends: $50,000
Minimum to open & earn dividends: $500
Minimum to open & earn dividends: $1,000
payroll deposit only
$50,000
$50,000
$20,000
$20,000
$100
$2,500
Minimum to open & earn dividends: $100,000
$50,000
$50,000
$20,000
$20,000
$100
$2,500
Minimum to open & earn dividends: $100,000
Minimum to open & earn dividends: $100,000
Minimum to open & earn dividends: $50,000
Minimum to open & earn dividends: $50,000
Minimum to open & earn dividends: $1,000
Minimum to open & earn dividends: $500
Minimum to Open $1,000.00
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution. The minimum deposit to open and earn stated Annual Percentage Yield (APY) on share certificates at American First Credit Union is $1,000. Rates subject to change at any time. Funds must remain on deposit until maturity to earn the stated APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. No maximum deposit.
Rewards+ Loyalty Program
Rewards+ Loyalty Program
$50,000+
payroll deposit only
$100,000 and over
$50,000 - $99,999.99
$10,000 - $49,999.99
Rate is 0.100% APY lower for non-GoldStar? members
$500 minimum balance
$50,000
$50,000
$20,000
$20,000
What to know about CD rates in Landers, California at a glance.
Compare local Landers, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California 12-month CD rates fell 0.010 points over the past 7 days to 2.058% APY.
California 6-month CD rates fell 0.113 points over the past 7 days to 1.106% APY.
Where are California CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 0.818% | $40.90 | $81.79 | $204.48 | $408.95 |
| 6-Month CD | 1.106% | $55.31 | $110.61 | $276.53 | $553.05 |
| 12-Month CD | 2.058% | $102.90 | $205.79 | $514.48 | $1,028.95 |
| 18-Month CD | 2.533% | $126.63 | $253.25 | $633.13 | $1,266.25 |
| 24-Month CD | 2.561% | $128.04 | $256.07 | $640.18 | $1,280.35 |
| 36-Month CD | 2.636% | $131.82 | $263.64 | $659.10 | $1,318.20 |
| 48-Month CD | 2.593% | $129.65 | $259.30 | $648.25 | $1,296.50 |
| 60-Month CD | 2.615% | $130.75 | $261.49 | $653.73 | $1,307.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
$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 | 0.818% | $40.90 |
| 2 | 6-Month CD | $5,000 | 1.106% | $55.31 |
| 3 | 12-Month CD | $5,000 | 2.058% | $102.90 |
| 4 | 24-Month CD | $5,000 | 2.561% | $128.04 |
| 5 | 36-Month CD | $5,000 | 2.636% | $131.82 |
| Total ($25,000 invested) | $25,000 | 1.836% blended | $458.97/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.
MonitorBankRates tracks 1,387 CD rates from 15 banks and 87 credit unions with locations in Landers, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Schools Federal Credit Union offers a CD at 5.90% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Landers, California.
What to compare when shopping for a CD in Landers, California
To find the best APYs in Landers, California, start with credit unions and online-only banks — Landers, California has 87 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.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
15.7% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 6.6% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 2.058%, saving 10% of the local median salary ($4,903/year) and putting it in a CD would earn an additional $101 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
At today’s CA top rate of 5.90% APY, a $10,000 deposit earns $590 in the first year. Enter your amount to see your exact return.
Landers, California CD LadderCA CD rates currently range from 0.818% (3-month) to 2.636% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Landers, California CD at 5.90% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.058% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Landers, 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 Landers, 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 Landers, 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.