CD Rates Lodi, California (CA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Lodi, California CD rates include Self-Help Federal Credit UnionSelf-Help Federal Credit Union504 W Lodi Ave, Lodi, CA 95240A+5.0 ★Texas Ratio: 2.72%Real return: +1.02%APY minus CPI (February 2026) offering 1-Year Certificate at 3.82% APY, Wells FargoWells Fargo701 S Ham Ln, Lodi, CA 95242A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY, Valley Strong Credit UnionValley Strong Credit Union200 S School St, Lodi, CA 95240A-5.0 ★Texas Ratio: 14.23%Real return: -1.29%APY minus CPI (February 2026) offering 36 Months Share Certificate at 1.51% APY, Central State Credit UnionCentral State Credit Union363 S Lower Sacramento Rd, Lodi, CA 95242 3326A+5.0 ★Texas Ratio: 0.99%Real return: -2.30%APY minus CPI (February 2026) offering 60 Month Certificate at 0.50% APY, and Mokelumne Federal Credit UnionMokelumne Federal Credit Union2310 Tienda Dr Ste 204, Lodi, CA 95242 4130A+5.0 ★Texas Ratio: 0.68%Real return: -2.70%APY minus CPI (February 2026) offering 24 Month IRA/ROTH Certificate at 0.10% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.
Lodi has 14 local institutions in our database, with CD rates as high as 3.82% APY from Self-Help Federal Credit Union at 504 W Lodi Ave, Lodi, CA 95240. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 20, 2026
Compare Best CD Rates in Lodi, California & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
701 S Ham Ln, Lodi, CA 95242
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
*APY: Annual Percentage Yield
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Online Only
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 3 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Share Certificates - Jumbo 3 month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Over $90,000
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Term Share Certificate 3 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
90 Day Certificate Special
$10,000
3.41%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
balances $10,000 - $100,000
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Month IRA Pick-A-Term Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Business Share Certificates 3 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 3 MONTHS
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
90 Day Certificate of Deposit
$10,000
3.37%
▼
Rate3.31%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rewards+ Loyalty Program
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3-month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
$2,500 up to $49,999*
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
90 DAY CERTIFICATE
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3-MONTH Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
IRA not Eligible
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
3 Month Term Savings Certificate Account
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Share / IRA Certificates / Roth / Educational IRA Certificates 3 Months
$500
2.95%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 3 Months
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Month Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3-Month Certificate and IRA Certificates
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
3 Month Certificate
$500
2.80%
▼
Rate2.77%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 months Certificate
$100,000
2.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
3-Month CD
$50,000
2.80%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 3 Month Certificate
$0
2.77%
▼
Rate2.74%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kaiperm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3 months Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
3-Month Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
3 Month Term Share Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,000.00 Minimum Balance
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3 Month Term Share & IRA Term Share Account
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Early Saver Certificate 3 Months
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only; Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Regular Certificates 3 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Commonwealth Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Share Certificates 3 Mos.
$500
2.15%
▼
Rate2.13%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 months Certificate Account
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Certificate and IRA Certificates (Traditional and Roth) 3 months
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3 Month Certificates
$500
1.92%
▼
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
3 Month Certificate
$0
1.82%
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
3 months Term Certificates & IRA Certificates
$500
1.70%
▼
Rate1.69%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Month CD
$10,000
1.24%
▼
Rate1.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
200 S School St, Lodi, CA 95240
6 Months Share Certificate
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Mokelumne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2310 Tienda Dr Ste 204, Lodi, CA 95242 4130
6 Month Young Saver Certificate
$200
0.10%
▼
Rate0.10%
Min Deposit$200
Min Balance—
UpdatedApr 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
701 S Ham Ln, Lodi, CA 95242
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
6 months Certificate
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 20, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 Month Savings Certificate
$250,000
4.00%
▼
Rate3.92%
Min Deposit$250,000
Min Balance—
UpdatedApr 20, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 months Term Certificates & IRA Certificates
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Aloha Share Certificate 6 Months
$5,000
3.90%
▼
Rate3.90%
Min Deposit$5,000
Min Balance—
UpdatedApr 20, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
6 Month Certificates of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 6 month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
New Money Only
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Share Certificates 6 month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6-Month Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
promotional offer
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 6 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Over $90,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
6 Month Certificate
$200
3.60%
▼
Rate3.54%
Min Deposit$200
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 6 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6-Month Certificate Account
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
Regular Certificates 6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6-Month Jumbo Share Certificate
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
$10,000
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6-month Certificate
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA - 6 Month Certificate
$1,000
3.54%
▼
Rate3.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Mini-Jumbo Certificate 6-Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $50,000
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
6-Month IRA Certificate of Deposit
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Limited time offer.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
6 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
*APY: Annual Percentage Yield
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 6 MONTHS
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Business Share Certificates 6 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Money Market Add-On Certificate 6 Months (182 Days)
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Get Fit Certificate 6 Month Certificate Basic
$500
3.35%
▼
Rate3.29%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6 Month IRA Pick-A-Term Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 Months Share (CDs) and IRA Certificates
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
6 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6 MONTH CERTIFICATE
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
6 Month Certificate of Deposit
$10,000
3.32%
▼
Rate3.27%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
6 Months Share Certificates
$10,000
3.29%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
504 W Lodi Ave, Lodi, CA 95240
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
701 S Ham Ln, Lodi, CA 95242
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
200 S School St, Lodi, CA 95240
12 Months Share Certificate
$1,000
0.80%
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Mokelumne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2310 Tienda Dr Ste 204, Lodi, CA 95242 4130
12 Month IRA/ROTH Certificate
$1,500
0.07%
▼
Rate0.07%
Min Deposit$1,500
Min Balance—
UpdatedApr 20, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Relationship Certificate(12 months)
$500
5.90%
▼
Rate5.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Terms Apply
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
12-Month Savers Certificate
$0
5.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Gen-T Term Share Certificate* 12 Months
$5
4.25%
▼
Rate4.16%
Min Deposit$5
Min Balance—
UpdatedApr 20, 2026
Details
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$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
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA - 12 Month Certificate
$1,000
4.12%
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Loyalty Share Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 year Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
PremiumSpend Checking
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Share Certificates 12 Months
$50,000
4.00%
▼
Rate3.94%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Teen Share Certificate 12 Months
$0
4.00%
▼
Rate3.91%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
12-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
12-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Promotional IRA Certificates / Roth / Educational IRA Certificates 12 Months
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$10,000 - $49,999.99
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 month CDs
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Limited time offer. Only available in our branches.
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
12-Month Variable Rate Certificate
$0
3.77%
▼
Rate3.71%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
12 Months Certificate
$100,000
3.76%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Strata Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Wealth Builder Share Certificate 12 Months
$100
3.75%
▼
Rate3.68%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 12 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Over $90,000
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1 Year Youth Share Certificates
$250
3.75%
▼
Rate3.69%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
12 months Term Certificates & IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 min.; Additional terms available.; Offer ends April 20, 2026.
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 Months Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Get Fit IRA 1 Year Certificate
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Business Share Certificates 12 months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 12 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 12 Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1-Year Certificate Account
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
Business 12 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1-Year Certificate
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
12 Months Share Certificates
$10,000
3.55%
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA Share Certificates1 12 Months Platinum
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 12 MONTHS
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to Open $1,000.00
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
cd 12-month term
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Youth Saver Certificate 12 Month
$25
3.50%
▼
Rate3.44%
Min Deposit$25
Min Balance—
UpdatedApr 20, 2026
Details
Youth Saver Certificate available until the age of 24.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
200 S School St, Lodi, CA 95240
18 Months Share Certificate
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
18-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 18 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Over $90,000
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Months Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
18 Months Share Certificates
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Promotional IRA Certificates / Roth / Educational IRA Certificates 18 Months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 18 MONTHS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
18-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
For a limited time only, pick your certificate term!
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Offer ends April 20, 2026.
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
18 Month Certificates of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 18 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 20, 2026
Details
Rewards+ Loyalty Program
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18-Month Certificate and IRA Certificates
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Certificate Special 18 months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Initial Deposit $500.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18 Months Share (CDs) and IRA Certificates
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
18-month CD
$50,000
3.30%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 months Term Certificates & IRA Certificates
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
18 Month Certificate
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedApr 20, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
18 Month Term Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to Open $1,000.00
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
18-MONTH Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18 Months Share Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Term Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
18 Month Certificate
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
18 Month Term Savings Certificate Account
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 18 Months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Variable Rate IRA 12 - 18 months
$0
3.04%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
All balances
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
18-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 months Certificate Account
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kaiperm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
18 months Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Commonwealth Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Share Certificates 18 Mos.
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
18 Month Certificate of Deposit
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Months (Special Promo) Term Savings Certificates
$2,500
2.90%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18-Month Certificate Special
$500
2.76%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
In today's volatile rate market, enjoy a highly competitive rate, with the peace of mind that your funds are insured; Fast and easy online opening; Certificate rolls into 24-month Certificate upon maturity
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Jump Up Certificates 18 Months
$5,000
2.75%
▼
Rate2.71%
Min Deposit$5,000
Min Balance—
UpdatedApr 20, 2026
Details
$5,000+
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
18 Month CD 100,000.00+
$100,000
2.58%
▼
Rate2.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
200 S School St, Lodi, CA 95240
24 Months Share Certificate
$1,000
1.15%
▼
Rate1.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Mokelumne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2310 Tienda Dr Ste 204, Lodi, CA 95242 4130
24 Month IRA/ROTH Certificate
$1,500
0.10%
▼
Rate0.10%
Min Deposit$1,500
Min Balance—
UpdatedApr 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 years Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
24-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 20, 2026
Details
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Share Certificates 24 Months
$1,000
3.90%
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
1-2 Year Share Certificate
$250,000
3.87%
▼
Rate3.80%
Min Deposit$250,000
Min Balance—
UpdatedApr 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 24 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Over $90,000
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
24 Months Certificate
$100,000
3.76%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA Share Certificates1 24 Months Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month - Share Certificate
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Promotional IRA Certificates / Roth / Educational IRA Certificates 24 Months
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
2 Years Share Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 24 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
2-Year Certificate Account
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 24 MONTHS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2 Year Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
24 Months Share Certificates
$10,000
3.51%
▼
Rate3.46%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2-Year Certificate and IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 24 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 20, 2026
Details
Rewards+ Loyalty Program
Families And Schools Together Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Share Certificate 2 Year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
24-Month Share Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2 Year Certificates of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Business Share Certificates 2 year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
24 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
24 Months Share (CDs) and IRA Certificates
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
24-MONTH Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
24 Month Certificate
$100,000
3.30%
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
IRA 24 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 24 month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 2 Year
$0
3.29%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 months Term Certificates & IRA Certificates
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Merco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
IRA - 2 Years Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates 24 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$50,000+
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Month Term Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to Open $1,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
504 W Lodi Ave, Lodi, CA 95240
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Valley Strong Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
200 S School St, Lodi, CA 95240
36 Months Share Certificate
$1,000
1.51%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 years Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
36-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA Share Certificates1 36 Months Platinum
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 36 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Over $90,000
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 MONTH JUMBO CD
$10,000
3.78%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Annual Percentage Yield, effective as of 04/01/2026. $10,000.00 minimum NEW MONEY investment in Certificate of Deposit to receive stated rate. Additional Certificate of Deposit rates and terms are available. Rates are subject to change. Fees may reduce earnings. Penalty for early withdrawal.
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
36-month IRA Traditional & Roth Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
36 Months Certificate
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 36 MONTHS
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3 Years Share Certificates
$500
3.64%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Year Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
36-Month Share Certificates
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3-Year Certificate and IRA Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
36 Months Share Certificates
$10,000
3.56%
▼
Rate3.51%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 YEAR CERTIFICATE
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
36 Month Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 36 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 20, 2026
Details
Rewards+ Loyalty Program
Families And Schools Together Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Share Certificate 3 Year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
36 MONTH CERTIFICATE
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Share Certificates 36 Months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to Open $1,000.00
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
36 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
3-Year Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
36-MONTH Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
36 Month Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Business Share Certificates 3 year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 36 Month
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$50,000 Minimum Balance
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
36 Month Term Savings Certificate Account
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates 36 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$50,000+
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 3 Year
$0
3.34%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
3 Years Term Savings Certificates
$100,000
3.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
IRA 36 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
36 Months Share (CDs) and IRA Certificates
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
36 Months Share Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Clearpath Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Certificates 36 mos
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
3 Year Certificate
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedApr 20, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 years Certificate Account
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
48-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 20, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA Share Certificates1 48 Months Platinum
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 48 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Over $90,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 MONTH CERTIFICATE
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4 Years Share Certificates
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 48 MONTHS
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4-Year Certificate and IRA Certificates
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
48 Months Certificate
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
48-Month Share Certificates
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 48 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$50,000 Minimum Balance
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to Open $1,000.00
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Promo Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
48 Month Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 48 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 20, 2026
Details
Rewards+ Loyalty Program
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
48-MONTH Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Months Share (CDs) and IRA Certificates
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
IRA Certificates 4 Year
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates 48 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$50,000+
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 4 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Business Share Certificates 4 year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
48 Month Term Savings Certificate Account
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 48 Month
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
IRA 48 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 48 month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
48 Months Share Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
4 Year Certificate
$200
3.25%
▼
Rate3.20%
Min Deposit$200
Min Balance—
UpdatedApr 20, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Term Share Certificate 48 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
48 Months Certificate
$50,000
3.25%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
4 Year Jumbo Term Share Certificates & IRA Share Certificates
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
48 Months Term Share Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,000 - $49,999
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Early Saver Certificate 48 Months
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only; Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month Certificates
$25,000
3.09%
▼
Rate3.05%
Min Deposit$25,000
Min Balance—
UpdatedApr 20, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4 years Certificate Account
$1,000
3.07%
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Camino Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.78%
48 month Certificates and IRAs
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
48-Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
Share Certificate and IRA (Traditional and Roth) Certificate 48 Months
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Savings Certificate Term with a Minimum - 4 Years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Balance $25,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
363 S Lower Sacramento Rd, Lodi, CA 95242 3326
60 Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 years Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA Share Certificates1 60 Months Platinum
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
Retirement Certificates 5 Years
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6 to 60-Month GoldStar? Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate is 0.100% APY lower for non-GoldStar? members
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
60 MONTH CERTIFICATE
$100,000
4.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Jumbo Certificates 60 Month
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$50,000 Minimum Balance
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
5-Year Certificate and IRA Certificates
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
5 Years Share Certificates
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Certificates - Jumbo 60 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Over $90,000
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Roth IRA Certificates 60 months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
60-Month Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Jumbo Certificate Accounts 60 MONTHS
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.69%
60 Months Certificate
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Technicolor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 - 5 Year Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Share Certificates 60 months
$0
3.64%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$50,000+
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5 YEAR CERTIFICATE
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
60 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60 Month Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
60-MONTH Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Jumbo Certificates 60 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
60 Month Term Savings Certificate Account
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
IRA Certificates 5 Year
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA 60 month
$25
3.50%
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 20, 2026
Details
Rewards+ Loyalty Program
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Share Certificate Accounts and IRA Share Certificates 60 month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
Term Share Certificate 60 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
60 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to Open $1,000.00
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
60 Months Share (CDs) and IRA Certificates
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
IRA Share Certificates 5 Year
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
5 Year Certificates of Deposit
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
Business Share Certificates 5 year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 60 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
5 Year Jumbo Term Share Certificates & IRA Share Certificates
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
IRA Share Certificates 60 Month
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 Months Certificate
$50,000
3.35%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Early Saver Certificate 60 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only; Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
IRA 60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
48-60 Months Share Certificates
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Share / IRA Certificates / Roth / Educational IRA Certificates 60 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
60 Months Share Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
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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.
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Lodi, CA CD Rate Trends
Compare local Lodi, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — CA Avg
2.337%
▼ 0.163 vs 7 days ago
California 12-month CD rates fell 0.163 points over the past 7 days to 2.337% APY.
6-Month CD — CA Avg
1.636%
▼ 0.545 vs 7 days ago
California 6-month CD rates fell 0.545 points over the past 7 days to 1.636% APY.
As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CA CD Rate Forecast — Next 12 Months
Where are California CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
2.337%
6-Month Forecast
2.337%
Range: 2.14% – 2.49%
12-Month Forecast
2.087%
Range: 1.89% – 2.24%
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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 | 1.238% | $61.88 | $123.75 | $309.38 | $618.75 |
| 6-Month CD | 1.636% | $81.78 | $163.56 | $408.90 | $817.80 |
| 12-Month CD | 2.337% | $116.85 | $233.70 | $584.25 | $1,168.50 |
| 18-Month CD | 2.786% | $139.32 | $278.64 | $696.60 | $1,393.20 |
| 24-Month CD | 2.687% | $134.33 | $268.65 | $671.63 | $1,343.25 |
| 36-Month CD | 2.684% | $134.22 | $268.44 | $671.10 | $1,342.20 |
| 48-Month CD | 2.722% | $136.09 | $272.17 | $680.43 | $1,360.85 |
| 60-Month CD | 2.643% | $132.17 | $264.34 | $660.85 | $1,321.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 20, 2026. | |||||
Sample CD Ladder for Lodi, California Savers
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.238% | $61.88 |
| 2 | 6-Month CD | $5,000 | 1.636% | $81.78 |
| 3 | 12-Month CD | $5,000 | 2.337% | $116.85 |
| 4 | 24-Month CD | $5,000 | 2.687% | $134.33 |
| 5 | 36-Month CD | $5,000 | 2.684% | $134.22 |
| Total ($25,000 invested) | $25,000 | 2.116% blended | $529.06/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.
154
Institutions
in Lodi, California
in Lodi, California
30 Banks
124 Credit Unions
About Our Lodi, California CD Rate Database
MonitorBankRates tracks CD rates from 30 banks and 124 credit unions with locations in Lodi, 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: Self-Help Federal Credit Union offers a CD at 3.82% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lodi, California.
How to Find the Best CD Rates in Lodi, California
What to compare when shopping for a CD in Lodi, California
To find the best APYs in Lodi, California, start with credit unions and online-only banks — Lodi, California has 124 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 Lodi, 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 Lodi, California — 154 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Lodi, California savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Lodi, California money market rates
Lodi, California Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
16.0%
National avg: 17.3%
Median Individual Earnings
$41,784
National avg: $47,340
Poverty Rate
12.4%
National avg: 11.1%
Unemployment Rate
8.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$98/yr
At CA 12-mo avg 2.337% APY
16.0% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 8.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 2.337%, saving 10% of the local median salary ($4,178/year) and putting it in a CD would earn an additional $98 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 Lodi, California
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Lodi, California
Are CD rates in Lodi, California FDIC insured?
Yes, most established banks in Lodi, 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 Lodi, 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 Lodi, 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 Lodi, 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 Lodi, California?
Here are recent top rates found for this area:
- Self-Help Federal Credit Union: 3.82% APY (1-Year Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Valley Strong Credit Union: 1.51% APY (36 Months Share Certificate)
- Central State Credit Union: 0.50% APY (60 Month Certificate)
- Mokelumne Federal Credit Union: 0.10% APY (24 Month IRA/ROTH Certificate)
- Schools Federal Credit Union: 5.90% APY (Relationship Certificate(12 months))
- Frontwave Credit Union: 5.50% APY (12-Month Savers Certificate)
- Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Thinkwise Federal Credit Union: 4.25% APY (Gen-T Term Share Certificate* 12 Months)
Rates reflect recent verified offers available in Lodi, California. Last Updated: April 20, 2026
CD Calculators for Lodi, California
Lodi, California CD Calculator
At today’s CA top rate of 3.82% APY, a $10,000 deposit earns $382 in the first year. Enter your amount to see your exact return.
Lodi, California CD LadderCA CD rates currently range from 1.238% (3-month) to 2.684% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lodi, California CD at 3.82% 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 2.337% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Lodi, 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 pulling data straight 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 Lodi, 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: April 20, 2026
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