Long Beach, California Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Long Beach, California CD rates range from 0.02% to 5.90% APY, verified by MonitorBankRates as of October 14, 2026. Current Long Beach, California CD rates include SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union4725 E 2nd St Ste D, Long Beach, CA 90803 5374A+5.0 ★Texas Ratio: 5.56%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Deferred Compensation Certificate at 4.50% APY, United Fidelity BankUnited Fidelity Bank249 E Ocean Blvd, Long Beach, CA 90802A+5.0 ★Texas Ratio: 2.56%Real return: +1.60%APY minus CPI (February 2026) offering 6-Month CD at 4.40% APY, Navy Federal Credit UnionNavy Federal Credit Union4201 McGowen St ste 270, Long Beach, CA 90808A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Poppy BankPoppy Bank6290 E Pacific Coast Hwy, Long Beach, CA 90803B+4.8 ★Texas Ratio: 16.92%Real return: +1.45%APY minus CPI (February 2026) offering 12-Month IRA CD at 4.25% APY, and First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO4040 Atlantic Ave, Long Beach, CA 90807A+5.0 ★Texas Ratio: 2.49%Real return: +1.37%APY minus CPI (February 2026) offering 18-Month Variable Rate IRA at 4.17% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Long Beach has 388 local institutions in our database, with CD rates as high as 4.50% APY from SchoolsFirst Federal Credit Union at 4725 E 2nd St Ste D, Long Beach, CA 90803 5374. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Long Beach, California & the Surrounding Area
Long Beach 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
Personal Certificate of Deposit - 3-Month CD
$0
4.25%
▲ 1.88% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.88% above avgNationally 2.09%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
3 Month Share Certificates
$0
3.70%
▲ 1.33% above California avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.33% above avgNationally 2.09%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
- Oct 14, 20263.70%▲ from 3.35%
- Sep 14, 20263.35%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
3 Month Share Certificates - Gold
$0
3.65%
▲ 1.28% above California avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
3 Month Share Certificates - Silver
$0
3.60%
▲ 1.23% above California avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
3 Month Share Certificates - Bronze
$0
3.55%
▲ 1.18% above California avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.18% above avgNationally 2.09%
Details
Balance tier: $2,500 Minimum; footnote: for the 3 month Bronze Share Certificate, only a minimum deposit of $1,000 is required; unlimited add on deposits allowed on the 3 month certificate only
Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Month Certificate
$25,000
3.15%
▲ 0.78% above California avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.78% above avgNationally 2.09%
Details
$25,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
- Oct 14, 20263.15%▲ from 3.05%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Month Certificate
$50,000
3.10%
▲ 0.73% above California avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.73% above avgNationally 2.09%
Details
$50,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
- Oct 14, 20263.10%▲ from 3.05%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Month Certificate
$25,000
3.05%
▲ 0.68% above California avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.68% above avgNationally 2.09%
Details
$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Month Certificate
$0
3.01%
▲ 0.64% above California avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.64% above avgNationally 2.09%
Details
Dividend Rate; $25,000 min. deposit
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
- Oct 14, 20263.01%▲ from 3.00%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Month Certificate
$1,000
3.00%
▲ 0.63% above California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.63% above avgNationally 2.09%
Details
Share Certificate Rates; Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
Share Certificate - 3-Month Certificate
$1,000
2.96%
▲ 0.59% above California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.59% above avgNationally 2.09%
Details
Effective Date: 02/04/2026
Rate History
2 changes since Sep 15, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96%
- Oct 14, 20262.96%▼ from 3.00%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
100 Oceangate, Long Beach, CA 90802
3 Month Personal CD
$0
2.78%
▲ 0.41% above California avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 0.41% above avgNationally 2.09%
Details
Term: 3 months (90 to 179 days)
Rate History
No change since Oct 14, 2026 · 2.78% APY
PostCity Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3738 Bayer Ave Unit 102, Long Beach, CA 90808
Share, Youth & IRA Certificates - 3 Months
$0
2.02%
▼ 0.35% below California avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 0.35% below avgNationally 2.09%
Details
Prospective Dividend Rate
Rate History
No change since Oct 10, 2026 · 2.02% APY · checked 2 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4040 Atlantic Ave, Long Beach, CA 90807
3-Month CD
$0
2.00%
▼ 0.37% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▼ 0.37% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.82% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 0.82% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.87% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 0.87% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
3 Month Certificate of Deposit (CD)
$1,000
0.50%
▼ 1.87% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 1.87% below avgNationally 2.09%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 0.50% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
3 Month Certificate of Deposit (CD)
$1,000
0.25%
▼ 2.12% below California avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.12% below avgNationally 2.09%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.25% APY · checked 5 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5348 E 2nd St, Long Beach, CA 90803
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.10%
▼ 2.27% below California avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details
Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5348 E 2nd St, Long Beach, CA 90803
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 2.27% below California avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details
Balance: $90,000 and over; Renewal Term: 3 Months
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
3 Month Certificate of Deposit (CD)
$1,000
0.10%
▼ 2.27% below California avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.27% below avgNationally 2.09%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4540 Atlantic Ave, Long Beach, CA 90807
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.31% below California avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.31% below avgNationally 2.09%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4540 Atlantic Ave, Long Beach, CA 90807
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.32% below California avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5348 E 2nd St, Long Beach, CA 90803
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.05%
▼ 2.32% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details
Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
5348 E 2nd St, Long Beach, CA 90803
3 Month Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.32% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details
Balance: $1,000 - $89,999; Renewal Term: 3 Months
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.32% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
3 Month Standard CD
$1,000
0.05%
▼ 2.32% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.32% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
3 Month Certificate of Deposit (CD)
$1,000
0.03%
▼ 2.34% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▼ 2.34% below avgNationally 2.09%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 5 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.21% above California avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▲ 2.21% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
4.25%
▲ 1.88% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.88% above avgNationally 2.09%
Details
Term: 3 Months with Epic Premium Checking; Epic Premium Checking relationship rate
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.63% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.63% above avgNationally 2.09%
Details
Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 3 Month
$1,000
4.00%
▲ 1.63% above California avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.63% above avgNationally 2.09%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.00% APY
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
3 Month Jumbo Certificates of Deposit
$0
3.98%
▲ 1.61% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▲ 1.61% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.98% APY · checked 5 times
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
3 Month Mini Money Maker Certificate of Deposit
$2,000
3.98%
▲ 1.61% above California avg
▼
Rate3.90%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.37%▲ 1.61% above avgNationally 2.09%
Details
Balance: $2,000.00 to $9,999.99
Rate History
No change since Oct 7, 2026 · 3.98% APY · checked 2 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85%
▲ 1.48% above California avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.48% above avgNationally 2.09%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.43% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.43% above avgNationally 2.09%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 8 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD (Digital)
$1,000
3.75%
▲ 1.38% above California avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details
Digital product; Balance: $0 to obtain APY
Rate History
No change since Oct 14, 2026 · 3.75% APY
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
3.75%
▲ 1.38% above California avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details
Rate History
1 change since Sep 25, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.75%▲ from 3.50%
- Sep 25, 20263.50%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
3 month Certificate - Rewards+ Loyalty Program
$500
3.75%
▲ 1.38% above California avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.38% above avgNationally 2.09%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 3.75% APY
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3 Month WooriWON Certificate of Deposit (CD)
$1,000
3.70%
▲ 1.33% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.33% above avgNationally 2.09%
Details
Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate of Deposit
$0
3.65%
▲ 1.28% above California avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
- Oct 7, 20263.65%▼ from 4.50%
- Sep 14, 20264.50%first recorded
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
90 Day Certificate Account and IRA Account
$0
3.65%
▲ 1.28% above California avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Balance: $10,000.00 and over; $100,000 per member maximum
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate Account and IRA Account - 90 Days
$0
3.65%
▲ 1.28% above California avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Balance: $10,000 and over; $100,000 per member maximum
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.65% ▲ 0.24 pts · high 3.65% / low 3.41%
- Oct 13, 20263.65%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Liquid Certificate - 3 Month
$95,000
3.65%
▲ 1.28% above California avg
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Effective Date: 09/01/2026; Requires $95,000 of New-to-Tech CU money; $95,000 must be maintained to earn APY
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Liquid Certificate - 3 Month
$1,000
3.65%
▲ 1.28% above California avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.28% above avgNationally 2.09%
Details
Effective Date: 09/01/2026; APY available on minimum $1,000 of new-to-Tech CU money; penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CDs
$0
3.60%
▲ 1.23% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month IRA Pick-A-Term
$10,000
3.60%
▲ 1.23% above California avg
▼
Rate3.54%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details
IRA Pick-A-Term Certificates; Limited time offer; dividend rates fixed for the term and not tiered; Disclaimers: AA, C, G, MM
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month Pick-A-Term
$0
3.60%
▲ 1.23% above California avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details
Limited time offer; Dividend rates fixed for the term; Minimum opening deposit $10,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
Share Certificates - 3 month
$1,000
3.60%
▲ 1.23% above California avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.23% above avgNationally 2.09%
Details
Maximum deposit $500,000 per account and household; penalties for early withdrawal may apply
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.18% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.37%▲ 1.18% above avgNationally 2.09%
Details
Balance: $500 or more; Account matures in 3 months; Fund with as much as $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
Long Beach 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
249 E Ocean Blvd, Long Beach, CA 90802
6-Month CD
$1,000
4.40%
▲ 1.47% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▲ 1.47% above avgNationally 2.77%
Details
Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
6-Month IRA CD
$0
4.25%
▲ 1.32% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
Personal Certificate of Deposit - 6-Month CD
$0
4.25%
▲ 1.32% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.32% above avgNationally 2.77%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
6-Month Promotional IRA Share Certificate
$0
4.20%
▲ 1.27% above California avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.27% above avgNationally 2.77%
Details
Promotional IRA Share Certificates; Promotional rate good for initial term only
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Sep 29, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
6-Month Add-On Promotional Share Certificate
$0
4.10%
▲ 1.17% above California avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 1.17% above avgNationally 2.77%
Details
Promotional rate good for initial term only; Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 5, 20264.10%▲ from 3.90%
- Sep 14, 20263.90%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
100 Oceangate, Long Beach, CA 90802
Special 6-Month Fixed Rate CD
$10,000
4.00%
▲ 1.07% above California avg
▼
Rate3.93%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 1.07% above avgNationally 2.77%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
No change since Oct 14, 2026 · 4.00% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month IRA Certificates
$0
3.85%
▲ 0.92% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.92% above avgNationally 2.77%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Sep 27, 20263.85%▲ from 3.65%
- Sep 18, 20263.65%▲ from 3.55%
- Sep 14, 20263.55%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month Share Certificates
$0
3.85%
▲ 0.92% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.92% above avgNationally 2.77%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 14, 20263.85%▲ from 3.50%
- Sep 14, 20263.50%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month IRA Certificates - Gold
$0
3.80%
▲ 0.87% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.87% above avgNationally 2.77%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month Share Certificates - Gold
$0
3.80%
▲ 0.87% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.87% above avgNationally 2.77%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month IRA Certificates - Silver
$0
3.75%
▲ 0.82% above California avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month Share Certificates - Silver
$0
3.75%
▲ 0.82% above California avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.82% above California avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.82% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month IRA Certificates - Bronze
$100
3.70%
▲ 0.77% above California avg
▼
Rate3.63%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.77% above avgNationally 2.77%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.70% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
6 Month Share Certificates - Bronze
$0
3.70%
▲ 0.77% above California avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.77% above avgNationally 2.77%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.70% APY · checked 3 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
Jumbo Term Share Certificate Accounts - 6 months
$0
3.35%
▲ 0.42% above California avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.42% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
6-Month Certificate
$25,000
3.15%
▲ 0.22% above California avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.22% above avgNationally 2.77%
Details
$25,000 min. deposit
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
- Sep 18, 20263.15%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
6-Month IRA
$100,000
3.15%
▲ 0.22% above California avg
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.22% above avgNationally 2.77%
Details
Jumbo $100,000 min. deposit
Rate History
1 change since Sep 24, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- Oct 7, 20263.15%▲ from 3.05%
- Sep 24, 20263.05%first recorded
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
6 Month Term Share Certificate Accounts
$0
3.14%
▲ 0.21% above California avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.21% above avgNationally 2.77%
Details
Balance: $50,000.00 tier; Dividend Rate 3.10%
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.14% ▲ 0.20 pts · high 3.14% / low 2.94%
- Oct 13, 20263.14%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
6-Month Certificate
$50,000
3.10%
▲ 0.17% above California avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.17% above avgNationally 2.77%
Details
$50,000 min. deposit
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
- Sep 18, 20263.10%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
6-Month IRA
$50,000
3.10%
▲ 0.17% above California avg
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.17% above avgNationally 2.77%
Details
IRA; $50,000 min. deposit
Rate History
1 change since Sep 24, 2026 · 3.05% → 3.10% ▲ 0.05 pts · high 3.10% / low 3.05%
- Oct 7, 20263.10%▲ from 3.05%
- Sep 24, 20263.05%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
6-Month Certificate
$25,000
3.05%
▲ 0.12% above California avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.12% above avgNationally 2.77%
Details
$25,000 min. deposit; Effective Date: 02/04/2026
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
6-Month IRA
$25,000
3.05%
▲ 0.12% above California avg
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.12% above avgNationally 2.77%
Details
Fixed Rate Accounts; $25,000 min. deposit; Rates for California
Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 7 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
6 Month Term Share Certificate
$0
3.04%
▲ 0.11% above California avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.11% above avgNationally 2.77%
Details
Balance: $25,000.00
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.04% ▲ 0.10 pts · high 3.04% / low 2.94%
- Oct 13, 20263.04%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
6-Month Certificate
$1,000
3.00%
▲ 0.07% above California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.07% above avgNationally 2.77%
Details
Dividend Rate 2.960%; Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
6-Month IRA
$1,000
3.00%
▲ 0.07% above California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.07% above avgNationally 2.77%
Details
Rates for California
Rate History
1 change since Sep 24, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
- Oct 7, 20263.00%▼ from 3.05%
- Sep 24, 20263.05%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
6-Month Certificate
$1,000
2.96%
▲ 0.03% above California avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▲ 0.03% above avgNationally 2.77%
Details
Share Certificate; $1,000 min. deposit; Effective Date 02/04/2026; Rates for California; APY not printed in source
Rate History
2 changes since Sep 15, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96%
- Oct 14, 20262.96%▼ from 3.00%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
6 Month Term Share Certificate Accounts
$0
2.94%
▲ 0.01% above California avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.93%▲ 0.01% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 7 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
100 Oceangate, Long Beach, CA 90802
6 Month Personal CD
$0
2.84%
▼ 0.09% below California avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 0.09% below avgNationally 2.77%
Details
Term: 6 months (180 to 269 days)
Rate History
No change since Oct 14, 2026 · 2.84% APY
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
6 Month Jumbo Term Share Certificate
$100,000
2.80%
▼ 0.13% below California avg
▼
Rate2.77%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 0.13% below avgNationally 2.77%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 3 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
6 Month Term Share Certificate
$1,000
2.70%
▼ 0.23% below California avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 0.23% below avgNationally 2.77%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 3 times
PostCity Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3738 Bayer Ave Unit 102, Long Beach, CA 90808
Share, Youth & IRA Certificates - 6 Months
$0
2.28%
▼ 0.65% below California avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 0.65% below avgNationally 2.77%
Details
Prospective Dividend Rate
Rate History
No change since Oct 10, 2026 · 2.28% APY · checked 2 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4040 Atlantic Ave, Long Beach, CA 90807
Business 6-Month
$0
1.00%
▼ 1.93% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.93%▼ 1.93% below avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month Certificate of Deposit (CD)
$1,000
0.65%
▼ 2.28% below California avg
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.28% below avgNationally 2.77%
Details
Balance: $500,000 or more
Rate History
No change since Sep 28, 2026 · 0.65% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month IRA Certificate
$500
0.65%
▼ 2.28% below California avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.28% below avgNationally 2.77%
Details
Balance: $500,000 or more
Rate History
No change since Sep 28, 2026 · 0.65% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month Certificate of Deposit (CD)
$1,000
0.50%
▼ 2.43% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.43% below avgNationally 2.77%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 0.50% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month IRA Certificate
$500
0.50%
▼ 2.43% below California avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.43% below avgNationally 2.77%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 0.50% APY · checked 2 times
VA Desert Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5901 E 7th St, Long Beach, CA 90822 5201
6 Month Term Certificates
$0
0.50%
▼ 2.43% below California avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.93%▼ 2.43% below avgNationally 2.77%
Details
Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month Certificate of Deposit (CD)
$1,000
0.45%
▼ 2.48% below California avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.48% below avgNationally 2.77%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.45% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month IRA Certificate
$500
0.45%
▼ 2.48% below California avg
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.48% below avgNationally 2.77%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.45% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month Certificate of Deposit (CD)
$1,000
0.35%
▼ 2.58% below California avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.58% below avgNationally 2.77%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Sep 28, 2026 · 0.35% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 6 Month
$100,000
0.30%
▼ 2.63% below California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.63% below avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 6 Month
$1,000
0.25%
▼ 2.68% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.68% below avgNationally 2.77%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month IRA Certificate
$500
0.10%
▼ 2.83% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.83% below avgNationally 2.77%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4540 Atlantic Ave, Long Beach, CA 90807
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.87% below California avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.87% below avgNationally 2.77%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4540 Atlantic Ave, Long Beach, CA 90807
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.88% below California avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.88% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
6 Month Standard CD
$1,000
0.05%
▼ 2.88% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.88% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month Certificate of Deposit (CD)
$1,000
0.03%
▼ 2.90% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.90% below avgNationally 2.77%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
6 Month IRA Certificate
$500
0.03%
▼ 2.90% below California avg
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.93%▼ 2.90% below avgNationally 2.77%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 2 times
Long Beach 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.21% above California avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
12 Month Deferred Compensation Certificate
$50
4.35%
▲ 1.21% above California avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details
Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 3 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
12-Month IRA CD
$0
4.25%
▲ 1.11% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
Personal Certificate of Deposit - 12-Month CD
$0
4.25%
▲ 1.11% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
100 Oceangate, Long Beach, CA 90802
Special 12-Month Fixed Rate CD
$2,500
4.11%
▲ 0.97% above California avg
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.97% above avgNationally 2.99%
Details
New money deposits required; $2,500 minimum opening deposit
Rate History
No change since Oct 14, 2026 · 4.11% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.96% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.96% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.91% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.91% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
12-Month College Saver
$200
4.05%
▲ 0.91% above California avg
▼
Rate3.97%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.91% above avgNationally 2.99%
Details
The minimum opening deposit listed is also the minimum balance required to earn the stated APY.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Sep 29, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.86% above California avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.86% above California avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.86% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
12 Month IRA Certificates
$0
3.95%
▲ 0.81% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.81% above avgNationally 2.99%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Sep 27, 20263.95%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
12 Month Share Certificates
$0
3.95%
▲ 0.81% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.81% above avgNationally 2.99%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60%
- Oct 14, 20263.95%▲ from 3.60%
- Sep 14, 20263.60%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
12 Month IRA Certificates - Gold
$0
3.90%
▲ 0.76% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.76% above avgNationally 2.99%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
12 Month Share Certificates - Gold
$0
3.90%
▲ 0.76% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.76% above avgNationally 2.99%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
12 Month IRA Certificates - Silver
$0
3.85%
▲ 0.71% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.71% above avgNationally 2.99%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
12 Month Share Certificates - Silver
$0
3.85%
▲ 0.71% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.71% above avgNationally 2.99%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
12 Month IRA Certificates - Bronze
$100
3.80%
▲ 0.66% above California avg
▼
Rate3.73%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.66% above avgNationally 2.99%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.80% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
12 Month Share Certificates - Bronze
$0
3.80%
▲ 0.66% above California avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.66% above avgNationally 2.99%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.80% APY · checked 3 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 12 Month Promo
$1,000
3.75%
▲ 0.61% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.61% above avgNationally 2.99%
Details
Balance: $1,000 and over
Rate History
No change since Oct 14, 2026 · 3.75% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
1-Year Certificate
$100,000
3.55%
▲ 0.41% above California avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.41% above avgNationally 2.99%
Details
Jumbo certificate; $100,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
1-Year IRA
$100,000
3.55%
▲ 0.41% above California avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.41% above avgNationally 2.99%
Details
$100,000 min. deposit (Jumbo); Rates for California; Effective Date: 02/04/2026
Rate History
2 changes since Sep 18, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
- Oct 7, 20263.55%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
1-Year Certificate
$50,000
3.50%
▲ 0.36% above California avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.36% above avgNationally 2.99%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
1-Year IRA
$50,000
3.50%
▲ 0.36% above California avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.36% above avgNationally 2.99%
Details
$50,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
- Sep 24, 20263.50%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
1-Year Certificate
$25,000
3.45%
▲ 0.31% above California avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.31% above avgNationally 2.99%
Details
$25,000 min. deposit; Rates for California
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
1-Year IRA
$25,000
3.45%
▲ 0.31% above California avg
▼
Rate3.39%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.31% above avgNationally 2.99%
Details
Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
1-Year Certificate
$1,000
3.40%
▲ 0.26% above California avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.26% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
1-Year IRA
$1,000
3.40%
▲ 0.26% above California avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▲ 0.26% above avgNationally 2.99%
Details
IRA; Fixed Rate Accounts; Effective Date: 02/04/2026
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.40% ▼ 0.05 pts · high 3.45% / low 3.40%
- Oct 7, 20263.40%▼ from 3.45%
- Sep 18, 20263.45%first recorded
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
Jumbo Term Share Certificate Accounts - 12 months
$0
3.35%
▲ 0.21% above California avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▲ 0.21% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
12 Month Flex Term Share Certificate Accounts
$0
3.14%
At California avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%At the averageNationally 2.99%
Details
Term: 12 months with 2 withdrawals; Balance: $100,000 minimum; For Flex Certificates: Withdrawals may not reduce to less than 50% of the original balance
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.14% ▲ 0.20 pts · high 3.14% / low 2.94%
- Oct 13, 20263.14%▲ from 2.94%
- Sep 14, 20262.94%first recorded
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
12 Month Term Share Certificate Accounts
$0
3.14%
At California avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%At the averageNationally 2.99%
Details
Balance: $50,000.00 tier; Dividend Rate 3.10%
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.14% ▲ 0.20 pts · high 3.14% / low 2.94%
- Oct 13, 20263.14%▲ from 2.94%
- Sep 14, 20262.94%first recorded
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
12 Month Term Share Certificate
$0
3.04%
▼ 0.10% below California avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.10% below avgNationally 2.99%
Details
Balance: $25,000.00
Rate History
1 change since Sep 14, 2026 · 2.94% → 3.04% ▲ 0.10 pts · high 3.04% / low 2.94%
- Oct 13, 20263.04%▲ from 2.94%
- Sep 14, 20262.94%first recorded
PostCity Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3738 Bayer Ave Unit 102, Long Beach, CA 90808
Share, Youth & IRA Certificates - 12 Months
$0
3.03%
▼ 0.11% below California avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 0.11% below avgNationally 2.99%
Details
Prospective Dividend Rate
Rate History
No change since Oct 10, 2026 · 3.03% APY · checked 2 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
12 Month Flex Term Share Certificate Accounts
$0
2.94%
▼ 0.20% below California avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.20% below avgNationally 2.99%
Details
Balance: $50,000; 12 months with 2 withdrawals; For Flex Certificates: Withdrawals may not reduce to less than 50% of the original balance
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 8 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
12 Month Term Share Certificate Accounts
$0
2.94%
▼ 0.20% below California avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.14%▼ 0.20% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 7 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
1 Year Jumbo Term Share Certificate
$100,000
2.90%
▼ 0.24% below California avg
▼
Rate2.86%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 0.24% below avgNationally 2.99%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 3 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
1 Year Term Share Certificate
$1,000
2.80%
▼ 0.34% below California avg
▼
Rate2.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 0.34% below avgNationally 2.99%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
12 Month Certificate of Deposit
$500
2.00%
▼ 1.14% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.14% below avgNationally 2.99%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
12 Month Certificate of Deposit (CD)
$1,000
1.75%
▼ 1.39% below California avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.39% below avgNationally 2.99%
Details
Balance: $500,000 or more
Rate History
No change since Sep 28, 2026 · 1.75% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4540 Atlantic Ave, Long Beach, CA 90807
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.63% below California avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.63% below avgNationally 2.99%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4540 Atlantic Ave, Long Beach, CA 90807
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.64% below California avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.64% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
12 Month Certificate of Deposit (CD)
$1,000
1.50%
▼ 1.64% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.64% below avgNationally 2.99%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
12 Month IRA Certificate
$500
1.25%
▼ 1.89% below California avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 1.89% below avgNationally 2.99%
Details
Balance: $500,000 or more
Rate History
No change since Sep 28, 2026 · 1.25% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
12 Month IRA Certificate
$500
1.00%
▼ 2.14% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.14% below avgNationally 2.99%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 2 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4040 Atlantic Ave, Long Beach, CA 90807
Business 12-Month
$0
1.00%
▼ 2.14% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.14%▼ 2.14% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
12 Month Certificate of Deposit (CD)
$1,000
0.75%
▼ 2.39% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 5 times
VA Desert Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5901 E 7th St, Long Beach, CA 90822 5201
12 Month IRA Certificate
$0
0.75%
▼ 2.39% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 4 times
VA Desert Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5901 E 7th St, Long Beach, CA 90822 5201
12 Month Term Certificates
$0
0.75%
▼ 2.39% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.39% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
12 Month Standard CD
$1,000
0.75%
▼ 2.39% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.39% below avgNationally 2.99%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
12 Month IRA Certificate
$500
0.65%
▼ 2.49% below California avg
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.14%▼ 2.49% below avgNationally 2.99%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.65% APY · checked 2 times
Long Beach 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
249 E Ocean Blvd, Long Beach, CA 90802
18-Month CD
$1,000
4.35%
▲ 1.25% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
- Oct 12, 20264.35%▲ from 4.25%
- Oct 3, 20264.25%▼ from 4.40%
- Sep 16, 20264.40%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
18-Month CD
$0
4.25%
▲ 1.15% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
18-Month IRA CD
$0
4.25%
▲ 1.15% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 24, 20264.00%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4040 Atlantic Ave, Long Beach, CA 90807
18-Month Variable Rate IRA
$0
4.17%
▲ 1.07% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.10%▲ 1.07% above avgNationally 2.88%
Details
Variable Rate
Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
- Oct 3, 20264.17%▲ from 3.79%
- Sep 14, 20263.79%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.05% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.05% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.00% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.00% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month IRA Certificates
$0
4.00%
▲ 0.90% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.90% above avgNationally 2.88%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 27, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month Share Certificates
$0
4.00%
▲ 0.90% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.90% above avgNationally 2.88%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 14, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month IRA Certificates - Gold
$0
3.95%
▲ 0.85% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.85% above avgNationally 2.88%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month Share Certificates - Gold
$0
3.95%
▲ 0.85% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.85% above avgNationally 2.88%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month IRA Certificates - Silver
$0
3.90%
▲ 0.80% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.80% above avgNationally 2.88%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month Share Certificates - Silver
$0
3.90%
▲ 0.80% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.80% above avgNationally 2.88%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month IRA Certificates - Bronze
$100
3.85%
▲ 0.75% above California avg
▼
Rate3.78%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.75% above avgNationally 2.88%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
18 Month Share Certificates - Bronze
$0
3.85%
▲ 0.75% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.75% above avgNationally 2.88%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.60% above California avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.60% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
Pick Your Term 18-Month Certificate
$1,000
3.50%
▲ 0.40% above California avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Limited time only; IRA Certificates are available; automatically rolls over into a 12-month certificate at maturity
Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month Certificate of Deposit (CD)
$1,000
2.78%
▼ 0.32% below California avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 0.32% below avgNationally 2.88%
Details
Balance: $500,000 or more
Rate History
2 changes since Sep 28, 2026 · 2.75% → 2.78% ▲ 0.03 pts · high 2.78% / low 2.27%
- Oct 14, 20262.78%▲ from 2.27%
- Oct 7, 20262.27%▼ from 2.75%
- Sep 28, 20262.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.35% below California avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 0.35% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month Certificate of Deposit (CD)
$1,000
2.27%
▼ 0.83% below California avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 0.83% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Sep 28, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25%
- Oct 7, 20262.27%▲ from 2.25%
- Sep 28, 20262.25%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month IRA Certificate
$500
1.75%
▼ 1.35% below California avg
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 1.35% below avgNationally 2.88%
Details
Balance: $500,000 or more
Rate History
No change since Sep 28, 2026 · 1.75% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month IRA Certificate
$500
1.50%
▼ 1.60% below California avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 1.60% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month Certificate of Deposit (CD)
$1,000
1.25%
▼ 1.85% below California avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 1.85% below avgNationally 2.88%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 1.25% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month IRA Certificate
$500
0.75%
▼ 2.35% below California avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.35% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
18 Month Standard CD
$1,000
0.75%
▼ 2.35% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.35% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
PostCity Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3738 Bayer Ave Unit 102, Long Beach, CA 90808
Share, Youth & IRA Certificates - 18 Months
$0
0.35%
▼ 2.75% below California avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.75% below avgNationally 2.88%
Details
Prospective Dividend Rate
Rate History
No change since Oct 10, 2026 · 0.35% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month Certificate of Deposit (CD)
$1,000
0.20%
▼ 2.90% below California avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 2.90% below avgNationally 2.88%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Sep 28, 2026 · 0.20% APY · checked 5 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4040 Atlantic Ave, Long Beach, CA 90807
Business 18-Month
$0
0.15%
▼ 2.95% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.10%▼ 2.95% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month Certificate of Deposit (CD)
$1,000
0.10%
▼ 3.00% below California avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 3.00% below avgNationally 2.88%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month IRA Certificate
$500
0.10%
▼ 3.00% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 3.00% below avgNationally 2.88%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
18 Month IRA Certificate
$500
0.05%
▼ 3.05% below California avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 3.05% below avgNationally 2.88%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.05% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
18 Month Certificate of Deposit
$500
0.02%
▼ 3.08% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▼ 3.08% below avgNationally 2.88%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 5 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50%
▲ 1.40% above California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.40% above avgNationally 2.88%
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 8, 20264.50%▲ from 4.35%
- Oct 4, 20264.35%▼ from 4.50%
- Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.50%
▲ 1.40% above California avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.40% above avgNationally 2.88%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
PARISHIONERS
Institution Rating:
B+4.7 ★Texas Ratio: 18.39%
18-Month Certificate
$0
4.50%
▲ 1.40% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.40% above avgNationally 2.88%
Details
Limited time only; Earn up to 4.50% APY
Rate History
No change since Oct 14, 2026 · 4.50% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.45%
▲ 1.35% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.35% above avgNationally 2.88%
Details
Senior
Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
- Oct 13, 20264.45%▲ from 4.25%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35%
▲ 1.25% above California avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Or, 4.35% APY* with $100 min.
Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 12, 20264.35%▼ from 4.50%
- Oct 4, 20264.50%▲ from 4.35%
- Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.35%
▲ 1.25% above California avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Regular
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.35%
▲ 1.25% above California avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 12, 2026 · 4.35% APY
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month Share Certificate
$0
4.35%
▲ 1.25% above California avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 13, 20264.35%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35%
▲ 1.25% above California avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 13, 20264.35%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD
$500
4.35%
▲ 1.25% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Senior
Rate History
2 changes since Sep 21, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 4.15%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.25% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Month Business Certificate Specials
$500
4.30%
▲ 1.20% above California avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.10%▲ 1.20% above avgNationally 2.88%
Details
Minimum balance to obtain APY: $500; APY on the Certificate Special accurate as of 09-28-2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 1, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
18 Month Term Share Certificate
$500
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Term: 18 months with Epic Premium Checking; Epic Premium Checking relationship rate
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 18 Month
$1,000
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 1.15% above California avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25%
▲ 1.15% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.25%
▲ 1.15% above California avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.15% above avgNationally 2.88%
Details
CD Special; Balance: $100,000+
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Long Beach 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
24-Month CD
$0
4.25%
▲ 1.27% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details
Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
24-Month IRA CD
$0
4.25%
▲ 1.27% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.27% above avgNationally 2.88%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
24 Month IRA Certificates
$0
4.00%
▲ 1.02% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 27, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
24 Month Share Certificates
$0
4.00%
▲ 1.02% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 1.02% above avgNationally 2.88%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 14, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
24 Month IRA Certificates - Gold
$0
3.95%
▲ 0.97% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.97% above avgNationally 2.88%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
24 Month Share Certificates - Gold
$0
3.95%
▲ 0.97% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.97% above avgNationally 2.88%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
24 Month IRA Certificates - Silver
$0
3.90%
▲ 0.92% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.92% above avgNationally 2.88%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
24 Month Share Certificates - Silver
$0
3.90%
▲ 0.92% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.92% above avgNationally 2.88%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
24 Month IRA Certificates - Bronze
$100
3.85%
▲ 0.87% above California avg
▼
Rate3.78%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.87% above avgNationally 2.88%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
24 Month Share Certificates - Bronze
$0
3.85%
▲ 0.87% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.87% above avgNationally 2.88%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.72% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.72% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.68% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.68% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.62% above California avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.62% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
Jumbo Term Share Certificate Accounts - 24 months
$0
3.25%
▲ 0.27% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 0.27% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
2-Year Certificate
$100,000
3.05%
▲ 0.07% above California avg
▼
Rate3.01%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.07% above avgNationally 2.88%
Details
Jumbo certificate; $100,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
2-Year IRA
$100,000
3.05%
▲ 0.07% above California avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.07% above avgNationally 2.88%
Details
Jumbo $100,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
2 Year Jumbo Term Share Certificate
$100,000
3.05%
▲ 0.07% above California avg
▼
Rate3.01%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.07% above avgNationally 2.88%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
24 Month Term Share Certificate Accounts
$0
3.04%
▲ 0.06% above California avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▲ 0.06% above avgNationally 2.88%
Details
Balance: $50,000.00 tier; Dividend Rate 3.00%
Rate History
1 change since Sep 14, 2026 · 2.84% → 3.04% ▲ 0.20 pts · high 3.04% / low 2.84%
- Oct 13, 20263.04%▲ from 2.84%
- Sep 14, 20262.84%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
2-Year Certificate
$50,000
3.00%
▲ 0.02% above California avg
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.02% above avgNationally 2.88%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
2-Year IRA
$50,000
3.00%
▲ 0.02% above California avg
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▲ 0.02% above avgNationally 2.88%
Details
IRA; $50,000 min. deposit
Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.00% / low 2.95%
- Oct 7, 20263.00%▲ from 2.95%
- Sep 24, 20262.95%▼ from 3.00%
- Sep 18, 20263.00%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
2-Year Certificate
$25,000
2.95%
▼ 0.03% below California avg
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.03% below avgNationally 2.88%
Details
$25,000 min. deposit; Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
2-Year IRA
$25,000
2.95%
▼ 0.03% below California avg
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.03% below avgNationally 2.88%
Details
Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 18, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
- Sep 24, 20262.95%▼ from 3.00%
- Sep 18, 20263.00%first recorded
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
2 Year Term Share Certificate
$1,000
2.95%
▼ 0.03% below California avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.03% below avgNationally 2.88%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 3 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
24 Month Term Share Certificate
$0
2.94%
▼ 0.04% below California avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.04% below avgNationally 2.88%
Details
Balance: $25,000.00
Rate History
1 change since Sep 14, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84%
- Oct 13, 20262.94%▲ from 2.84%
- Sep 14, 20262.84%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
2-Year Certificate
$1,000
2.90%
▼ 0.08% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.08% below avgNationally 2.88%
Details
Share Certificate Rates; Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 18, 2026 · 2.95% → 2.90% ▼ 0.05 pts · high 2.95% / low 2.90%
- Oct 14, 20262.90%▼ from 2.95%
- Sep 18, 20262.95%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
2-Year IRA
$1,000
2.90%
▼ 0.08% below California avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.08% below avgNationally 2.88%
Details
IRA; Fixed Rate Accounts; Effective Date: 02/04/2026
Rate History
2 changes since Sep 18, 2026 · 3.00% → 2.90% ▼ 0.10 pts · high 3.00% / low 2.90%
- Oct 7, 20262.90%▼ from 2.95%
- Sep 24, 20262.95%▼ from 3.00%
- Sep 18, 20263.00%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
Share Certificate - 2-Year Certificate
$1,000
2.90%
▼ 0.08% below California avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.08% below avgNationally 2.88%
Details
Rates for California; $1,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 8 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
24 Month Term Share Certificate Accounts
$0
2.84%
▼ 0.14% below California avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average2.98%▼ 0.14% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 7 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
24 Month IRA Certificate
$500
2.27%
▼ 0.71% below California avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.71% below avgNationally 2.88%
Details
Balance: $500,000 or more
Rate History
1 change since Sep 28, 2026 · 2.02% → 2.27% ▲ 0.25 pts · high 2.27% / low 2.02%
- Oct 14, 20262.27%▲ from 2.02%
- Sep 28, 20262.02%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
24 Month IRA Certificate
$500
2.02%
▼ 0.96% below California avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 0.96% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Sep 28, 2026 · 2.00% → 2.02% ▲ 0.02 pts · high 2.02% / low 2.00%
- Oct 14, 20262.02%▲ from 2.00%
- Sep 28, 20262.00%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
24 Month Certificate of Deposit (CD)
$1,000
1.50%
▼ 1.48% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 1.48% below avgNationally 2.88%
Details
Balance: $500,000 or more
Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
24 Month Certificate of Deposit (CD)
$1,000
1.00%
▼ 1.98% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 1.98% below avgNationally 2.88%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
24 Month IRA Certificate
$500
1.00%
▼ 1.98% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 1.98% below avgNationally 2.88%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 2 times
VA Desert Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5901 E 7th St, Long Beach, CA 90822 5201
24 Month IRA Certificate
$0
0.94%
▼ 2.04% below California avg
▼
Rate0.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▼ 2.04% below avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 0.94% APY · checked 4 times
VA Desert Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5901 E 7th St, Long Beach, CA 90822 5201
24 Month Term Certificates
$0
0.94%
▼ 2.04% below California avg
▼
Rate0.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.98%▼ 2.04% below avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 0.94% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
24 Month Certificate of Deposit (CD)
$1,000
0.75%
▼ 2.23% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.23% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
24 Month Standard CD
$1,000
0.75%
▼ 2.23% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.23% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificate - 24 Month
$100,000
0.55%
▼ 2.43% below California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.43% below avgNationally 2.88%
Details
Minimum Deposit: $100,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 0.55% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificates - 24 Months
$0
0.55%
▼ 2.43% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.43% below avgNationally 2.88%
Details
Balance: $100,000
Rate History
No change since Sep 30, 2026 · 0.55% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificate - 24 Month
$1,000
0.50%
▼ 2.48% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.48% below avgNationally 2.88%
Details
Minimum Deposit: $1,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificates - 24 Months
$0
0.50%
▼ 2.48% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.48% below avgNationally 2.88%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 24 Month
$100,000
0.50%
▼ 2.48% below California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.48% below avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 24 Month
$1,000
0.45%
▼ 2.53% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.53% below avgNationally 2.88%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 2 times
PostCity Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3738 Bayer Ave Unit 102, Long Beach, CA 90808
Share, Youth & IRA Certificates - 24 Months
$0
0.40%
▼ 2.58% below California avg
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.58% below avgNationally 2.88%
Details
Prospective Dividend Rate
Rate History
No change since Oct 10, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
Jumbo CD - 2-Year Jumbo
$100,000
0.40%
▼ 2.58% below California avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.58% below avgNationally 2.88%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
Term CD - 2-Year Term
$1,000
0.40%
▼ 2.58% below California avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.58% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
RampUp CD - 2-Year RampUp Plus
$25,000
0.25%
▼ 2.73% below California avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.73% below avgNationally 2.88%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
24 Month Certificate of Deposit (CD)
$1,000
0.20%
▼ 2.78% below California avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average2.98%▼ 2.78% below avgNationally 2.88%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Sep 28, 2026 · 0.20% APY · checked 5 times
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4040 Atlantic Ave, Long Beach, CA 90807
Business 24-Month
$0
0.20%
▼ 2.78% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.98%▼ 2.78% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 5 times
Long Beach 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
36 Month Deferred Compensation Certificate
$50
4.40%
▲ 1.39% above California avg
▼
Rate4.31%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details
Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
36-Month CD
$0
4.25%
▲ 1.24% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
36-Month IRA CD
$0
4.25%
▲ 1.24% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.14% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 1.14% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.09% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 1.09% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month IRA Certificates
$0
4.00%
▲ 0.99% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 27, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month Share Certificates
$0
4.00%
▲ 0.99% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 14, 20264.00%▲ from 3.65%
- Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month IRA Certificates - Gold
$0
3.95%
▲ 0.94% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month Share Certificates - Gold
$0
3.95%
▲ 0.94% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.94% above avgNationally 2.81%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month IRA Certificates - Silver
$0
3.90%
▲ 0.89% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month Share Certificates - Silver
$0
3.90%
▲ 0.89% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.89% above avgNationally 2.81%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month IRA Certificates - Bronze
$100
3.85%
▲ 0.84% above California avg
▼
Rate3.78%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.84% above avgNationally 2.81%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
36 Month Share Certificates - Bronze
$0
3.85%
▲ 0.84% above California avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.84% above avgNationally 2.81%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
Jumbo Term Share Certificate Accounts - 36 months
$0
3.25%
▲ 0.24% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
3 Year Jumbo Term Share Certificate
$100,000
3.25%
▲ 0.24% above California avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.24% above avgNationally 2.81%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
3 Year Term Share Certificate
$1,000
3.15%
▲ 0.14% above California avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▲ 0.14% above avgNationally 2.81%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 3 times
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
36 Month Term Share Certificate Accounts
$0
3.04%
▲ 0.03% above California avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▲ 0.03% above avgNationally 2.81%
Details
Balance: $50,000.00 tier; Dividend Rate 3.00%
Rate History
1 change since Sep 14, 2026 · 2.84% → 3.04% ▲ 0.20 pts · high 3.04% / low 2.84%
- Oct 13, 20263.04%▲ from 2.84%
- Sep 14, 20262.84%first recorded
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
36 Month Term Share Certificate
$0
2.94%
▼ 0.07% below California avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 0.07% below avgNationally 2.81%
Details
Balance: $25,000.00
Rate History
1 change since Sep 14, 2026 · 2.84% → 2.94% ▲ 0.10 pts · high 2.94% / low 2.84%
- Oct 13, 20262.94%▲ from 2.84%
- Sep 14, 20262.84%first recorded
CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
3748 Bayer Ave Ste 104, Long Beach, CA 90808 1884
36 Month Term Share Certificate Accounts
$0
2.84%
▼ 0.17% below California avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.01%▼ 0.17% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 7 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
36 Month IRA Certificate
$500
2.78%
▼ 0.23% below California avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.23% below avgNationally 2.81%
Details
Balance: $500,000 or more
Rate History
1 change since Sep 28, 2026 · 2.75% → 2.78% ▲ 0.03 pts · high 2.78% / low 2.75%
- Oct 14, 20262.78%▲ from 2.75%
- Sep 28, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Year Certificate
$100,000
2.70%
▼ 0.31% below California avg
▼
Rate2.67%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details
Jumbo certificate; $100,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Year IRA
$100,000
2.70%
▼ 0.31% below California avg
▼
Rate2.66%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.31% below avgNationally 2.81%
Details
Jumbo $100,000 min. deposit
Rate History
1 change since Sep 24, 2026 · 2.60% → 2.70% ▲ 0.10 pts · high 2.70% / low 2.60%
- Oct 7, 20262.70%▲ from 2.60%
- Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Year Certificate
$50,000
2.65%
▼ 0.36% below California avg
▼
Rate2.62%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.36% below avgNationally 2.81%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Year IRA
$50,000
2.65%
▼ 0.36% below California avg
▼
Rate2.62%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.36% below avgNationally 2.81%
Details
$50,000 min. deposit tier; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 2.60% → 2.65% ▲ 0.05 pts · high 2.65% / low 2.60%
- Oct 7, 20262.65%▲ from 2.60%
- Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Year Certificate
$25,000
2.60%
▼ 0.41% below California avg
▼
Rate2.57%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details
$25,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Year IRA
$25,000
2.60%
▼ 0.41% below California avg
▼
Rate2.57%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.41% below avgNationally 2.81%
Details
Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026
Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 7 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Year Certificate
$1,000
2.55%
▼ 0.46% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.46% below avgNationally 2.81%
Details
Share Certificate; $1,000 min. deposit; Rates for California
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
3-Year IRA
$1,000
2.55%
▼ 0.46% below California avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.46% below avgNationally 2.81%
Details
Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 24, 2026 · 2.60% → 2.55% ▼ 0.05 pts · high 2.60% / low 2.55%
- Oct 7, 20262.55%▼ from 2.60%
- Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
Share Certificate - 3-Year Certificate
$1,000
2.55%
▼ 0.46% below California avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.46% below avgNationally 2.81%
Details
Effective Date: 02/04/2026; Rates for California; $1,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 8 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
36 Month IRA Certificate
$500
2.27%
▼ 0.74% below California avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 0.74% below avgNationally 2.81%
Details
Balance: $100,000-$499,999.99
Rate History
1 change since Sep 28, 2026 · 2.25% → 2.27% ▲ 0.02 pts · high 2.27% / low 2.25%
- Oct 14, 20262.27%▲ from 2.25%
- Sep 28, 20262.25%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
36 Month Certificate of Deposit (CD)
$1,000
1.50%
▼ 1.51% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 1.51% below avgNationally 2.81%
Details
Balance: $500,000 or more
Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
36 Month IRA Certificate
$500
1.25%
▼ 1.76% below California avg
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 1.76% below avgNationally 2.81%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 1.25% APY · checked 2 times
VA Desert Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5901 E 7th St, Long Beach, CA 90822 5201
36 Month IRA Certificate
$0
1.13%
▼ 1.88% below California avg
▼
Rate1.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▼ 1.88% below avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 1.13% APY · checked 4 times
VA Desert Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5901 E 7th St, Long Beach, CA 90822 5201
36 Month Term Certificates
$0
1.13%
▼ 1.88% below California avg
▼
Rate1.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.01%▼ 1.88% below avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 1.13% APY · checked 3 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
36 Month Certificate of Deposit (CD)
$1,000
1.00%
▼ 2.01% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.01% below avgNationally 2.81%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
36 Month Certificate of Deposit (CD)
$1,000
0.75%
▼ 2.26% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.26% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
36 Month Standard CD
$1,000
0.75%
▼ 2.26% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificate - 36 Month
$100,000
0.70%
▼ 2.31% below California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.31% below avgNationally 2.81%
Details
Minimum Deposit: $100,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 0.70% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificates - 36 Months
$0
0.70%
▼ 2.31% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.31% below avgNationally 2.81%
Details
Balance: $100,000
Rate History
No change since Sep 30, 2026 · 0.70% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificate - 36 Month
$1,000
0.65%
▼ 2.36% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.36% below avgNationally 2.81%
Details
Minimum Deposit: $1,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 0.65% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificates - 36 Months
$0
0.65%
▼ 2.36% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.36% below avgNationally 2.81%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 0.65% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 36 Month
$100,000
0.65%
▼ 2.36% below California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.36% below avgNationally 2.81%
Details
Balance: $100,000 and over
Rate History
No change since Sep 30, 2026 · 0.65% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 36 Month
$1,000
0.60%
▼ 2.41% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.41% below avgNationally 2.81%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 0.60% APY · checked 2 times
PostCity Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3738 Bayer Ave Unit 102, Long Beach, CA 90808
Share, Youth & IRA Certificates - 36 Months
$0
0.45%
▼ 2.56% below California avg
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.56% below avgNationally 2.81%
Details
Prospective Dividend Rate
Rate History
No change since Oct 10, 2026 · 0.45% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
Jumbo CD - 3-Year Jumbo
$100,000
0.40%
▼ 2.61% below California avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
Term CD - 3-Year Term
$1,000
0.40%
▼ 2.61% below California avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4040 Atlantic Ave, Long Beach, CA 90807
Business 36-Month
$0
0.35%
▼ 2.66% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.01%▼ 2.66% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
36 Month Certificate of Deposit (CD)
$1,000
0.25%
▼ 2.76% below California avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Sep 28, 2026 · 0.25% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
RampUp CD - 3-Year RampUp
$25,000
0.25%
▼ 2.76% below California avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
Long Beach 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
48-Month CD
$0
4.25%
▲ 1.23% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details
Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
48-Month IRA CD
$0
4.25%
▲ 1.23% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.23% above avgNationally 2.80%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month IRA Certificates
$0
4.05%
▲ 1.03% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.03% above avgNationally 2.80%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Sep 27, 20264.05%▲ from 3.85%
- Sep 18, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month Share Certificates
$0
4.05%
▲ 1.03% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.03% above avgNationally 2.80%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
- Oct 14, 20264.05%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month IRA Certificates - Gold
$0
4.00%
▲ 0.98% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month Share Certificates - Gold
$0
4.00%
▲ 0.98% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.98% above avgNationally 2.80%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month IRA Certificates - Silver
$0
3.95%
▲ 0.93% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.93% above avgNationally 2.80%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month Share Certificates - Silver
$0
3.95%
▲ 0.93% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.93% above avgNationally 2.80%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month IRA Certificates - Bronze
$100
3.90%
▲ 0.88% above California avg
▼
Rate3.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.88% above avgNationally 2.80%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
48 Month Share Certificates - Bronze
$0
3.90%
▲ 0.88% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.88% above avgNationally 2.80%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
4 Year Jumbo Term Share Certificate
$100,000
3.50%
▲ 0.48% above California avg
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.48% above avgNationally 2.80%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
4 Year Term Share Certificate
$1,000
3.40%
▲ 0.38% above California avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 0.38% above avgNationally 2.80%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
4-Year Certificate
$100,000
2.85%
▼ 0.17% below California avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.17% below avgNationally 2.80%
Details
Jumbo certificate; $100,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
4-Year IRA
$100,000
2.85%
▼ 0.17% below California avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.17% below avgNationally 2.80%
Details
Jumbo: $100,000 min. deposit; Dividend Rate 2.810%
Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
- Oct 7, 20262.85%▲ from 2.75%
- Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
4-Year Certificate
$50,000
2.80%
▼ 0.22% below California avg
▼
Rate2.77%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.22% below avgNationally 2.80%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
4-Year IRA
$50,000
2.80%
▼ 0.22% below California avg
▼
Rate2.76%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.22% below avgNationally 2.80%
Details
$50,000 min. deposit tier
Rate History
1 change since Sep 24, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
- Oct 7, 20262.80%▲ from 2.75%
- Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
4-Year Certificate
$25,000
2.75%
▼ 0.27% below California avg
▼
Rate2.72%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.27% below avgNationally 2.80%
Details
$25,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
4-Year IRA
$25,000
2.75%
▼ 0.27% below California avg
▼
Rate2.71%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.27% below avgNationally 2.80%
Details
Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 7 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
4-Year Certificate
$1,000
2.70%
▼ 0.32% below California avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.32% below avgNationally 2.80%
Details
Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
4-Year IRA
$1,000
2.70%
▼ 0.32% below California avg
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 0.32% below avgNationally 2.80%
Details
IRA; Fixed Rate Accounts; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
- Oct 7, 20262.70%▼ from 2.75%
- Sep 24, 20262.75%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month IRA Certificate
$500
1.50%
▼ 1.52% below California avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 1.52% below avgNationally 2.80%
Details
Balance: $500,000 or more
Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month Certificate of Deposit (CD)
$1,000
1.26%
▼ 1.76% below California avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 1.76% below avgNationally 2.80%
Details
Balance: $500,000 or more
Rate History
1 change since Sep 28, 2026 · 1.50% → 1.26% ▼ 0.24 pts · high 1.50% / low 1.26%
- Oct 14, 20261.26%▼ from 1.50%
- Sep 28, 20261.50%first recorded
VA Desert Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5901 E 7th St, Long Beach, CA 90822 5201
48 Month IRA Certificate
$0
1.26%
▼ 1.76% below California avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 1.76% below avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 1.26% APY · checked 4 times
VA Desert Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5901 E 7th St, Long Beach, CA 90822 5201
48 Month Term Certificates
$0
1.26%
▼ 1.76% below California avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▼ 1.76% below avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 1.26% APY · checked 3 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificate - 48 Month
$100,000
1.05%
▼ 1.97% below California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 1.97% below avgNationally 2.80%
Details
Minimum Deposit: $100,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificates - 48 Months
$0
1.05%
▼ 1.97% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 1.97% below avgNationally 2.80%
Details
Balance: $100,000
Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month Certificate of Deposit (CD)
$1,000
1.00%
▼ 2.02% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month IRA Certificate
$500
1.00%
▼ 2.02% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificate - 48 Month
$1,000
1.00%
▼ 2.02% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details
Minimum Deposit: $1,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificates - 48 Months
$0
1.00%
▼ 2.02% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 48 Month
$100,000
1.00%
▼ 2.02% below California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.02% below avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 48 Month
$1,000
0.95%
▼ 2.07% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.07% below avgNationally 2.80%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 0.95% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month Certificate of Deposit (CD)
$1,000
0.75%
▼ 2.27% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month IRA Certificate
$500
0.75%
▼ 2.27% below California avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details
Balance: $50,000-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.27% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
496 Long Beach Blvd, Long Beach, CA 90802
48 Month Standard CD
$1,000
0.75%
▼ 2.27% below California avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.27% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.52% below California avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.52% below avgNationally 2.80%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.52% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.52% below avgNationally 2.80%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
4040 Atlantic Ave, Long Beach, CA 90807
Business 48-Month
$0
0.45%
▼ 2.57% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.02%▼ 2.57% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month Certificate of Deposit (CD)
$1,000
0.35%
▼ 2.67% below California avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.67% below avgNationally 2.80%
Details
Balance: $10,000-$49,999.99
Rate History
2 changes since Sep 28, 2026 · 0.35% → 0.35% ▼ 0.00 pts · high 0.35% / low 0.25%
- Oct 7, 20260.35%▲ from 0.25%
- Oct 2, 20260.25%▼ from 0.35%
- Sep 28, 20260.35%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.77% below California avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.77% below avgNationally 2.80%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month IRA Certificate
$500
0.20%
▼ 2.82% below California avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.82% below avgNationally 2.80%
Details
Balance: $10,000-$49,999.99
Rate History
No change since Sep 28, 2026 · 0.20% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3500 E 7th St, Long Beach, CA 90804
4 Year Certificate of Deposit
$500
0.15%
▼ 2.87% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.87% below avgNationally 2.80%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month IRA Certificate
$500
0.15%
▼ 2.87% below California avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.87% below avgNationally 2.80%
Details
Balance: $0.01-$99,999.99
Rate History
No change since Sep 28, 2026 · 0.15% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
48 Month Certificate of Deposit (CD)
$1,000
0.05%
▼ 2.97% below California avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▼ 2.97% below avgNationally 2.80%
Details
Balance: $0.01-$99,999.99
Rate History
2 changes since Sep 28, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.15% / low 0.05%
- Oct 7, 20260.05%▼ from 0.15%
- Oct 2, 20260.15%▲ from 0.05%
- Sep 28, 20260.05%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.73% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.73% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
48 month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.48% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.48% above avgNationally 2.80%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA Certificate 48 Month - Rewards+ Loyalty Program
$25
4.50%
▲ 1.48% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.02%▲ 1.48% above avgNationally 2.80%
Details
Rewards+ Loyalty Program rate; Minimum to earn dividend: $25; Available to open only during months when a Member is an active Rewards+ Loyalty Program Member; IRA fixed-term account; early withdrawal penalty may apply; Rates Effective as of: October 13, 2026
Rate History
No change since Oct 14, 2026 · 4.50% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40%
▲ 1.38% above California avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.38% above avgNationally 2.80%
Details
Rate Effective Date: October 12, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.28% above California avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.02%▲ 1.28% above avgNationally 2.80%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Long Beach 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Deferred Compensation Certificate
$50
4.50%
▲ 1.28% above California avg
▼
Rate4.40%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month IRA Certificate
$0
4.40%
▲ 1.18% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.18% above avgNationally 2.91%
Details
Traditional and Roth IRA; Jumbo
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 13, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Traditional IRA Certificate
$0
4.40%
▲ 1.18% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.18% above avgNationally 2.91%
Details
Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA)
Rate History
No change since Oct 13, 2026 · 4.40% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month IRA Certificate
$0
4.35%
▲ 1.13% above California avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.13% above avgNationally 2.91%
Details
Traditional and Roth IRA; Jumbo
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 13, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Traditional IRA Certificate
$0
4.35%
▲ 1.13% above California avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.13% above avgNationally 2.91%
Details
Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA)
Rate History
No change since Oct 13, 2026 · 4.35% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month IRA Certificate
$0
4.30%
▲ 1.08% above California avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details
Traditional and Roth IRA
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Sep 29, 20264.30%▲ from 4.10%
- Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Share Certificate
$0
4.30%
▲ 1.08% above California avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details
Balance tier: $250,000 Minimum Balance (Jumbo)
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 13, 20264.30%▲ from 4.10%
- Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Traditional IRA Certificate
$0
4.30%
▲ 1.08% above California avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.08% above avgNationally 2.91%
Details
Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA)
Rate History
No change since Oct 13, 2026 · 4.30% APY
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
60-Month CD
$0
4.25%
▲ 1.03% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Personal Certificate of Deposit Accounts; Automatically renews at maturity; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6290 E Pacific Coast Hwy, Long Beach, CA 90803
60-Month IRA CD
$0
4.25%
▲ 1.03% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month IRA Certificate
$0
4.25%
▲ 1.03% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Traditional and Roth IRA
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Sep 29, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Share Certificate
$0
4.25%
▲ 1.03% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Balance tier: $100,000 Minimum Balance (Jumbo)
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 13, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Traditional IRA Certificate
$0
4.25%
▲ 1.03% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA)
Rate History
No change since Oct 13, 2026 · 4.25% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month IRA Certificate
$0
4.20%
▲ 0.98% above California avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.98% above avgNationally 2.91%
Details
Traditional and Roth IRA
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Sep 29, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Share Certificate
$0
4.20%
▲ 0.98% above California avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.98% above avgNationally 2.91%
Details
Balance tier: $50,000 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Sep 29, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Traditional IRA Certificate
$0
4.20%
▲ 0.98% above California avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.98% above avgNationally 2.91%
Details
Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA)
Rate History
No change since Oct 13, 2026 · 4.20% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Share Certificate
$0
4.15%
▲ 0.93% above California avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.93% above avgNationally 2.91%
Details
Balance tier: $20,000 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
- Sep 29, 20264.15%▲ from 3.95%
- Sep 14, 20263.95%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
4725 E 2nd St Ste D, Long Beach, CA 90803 5374
60 Month Share Certificate
$0
4.10%
▲ 0.88% above California avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
California Average3.22%▲ 0.88% above avgNationally 2.91%
Details
Balance tier: $500 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Sep 29, 20264.10%▲ from 3.90%
- Sep 14, 20263.90%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
60 Month IRA Certificates
$0
4.05%
▲ 0.83% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.83% above avgNationally 2.91%
Details
Anticipated rates
Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Sep 27, 20264.05%▲ from 3.85%
- Sep 18, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
60 Month Share Certificates
$0
4.05%
▲ 0.83% above California avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.83% above avgNationally 2.91%
Details
Anticipated rates; tier not labeled in source
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
- Oct 14, 20264.05%▲ from 3.70%
- Sep 14, 20263.70%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
60 Month IRA Certificates - Gold
$0
4.00%
▲ 0.78% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.78% above avgNationally 2.91%
Details
IRA; Balance: $50,000 Minimum; Anticipated rates
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
60 Month Share Certificates - Gold
$0
4.00%
▲ 0.78% above California avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.78% above avgNationally 2.91%
Details
Anticipated rates; Balance: $50,000 minimum
Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
60 Month IRA Certificates - Silver
$0
3.95%
▲ 0.73% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.73% above avgNationally 2.91%
Details
Anticipated rates; Effective as of 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
60 Month Share Certificates - Silver
$0
3.95%
▲ 0.73% above California avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.73% above avgNationally 2.91%
Details
Anticipated rates; Balance: $20,000 minimum; Rates Effective as of: 10-13-2026 (PST)
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.68% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.68% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
60 Month IRA Certificates - Bronze
$100
3.90%
▲ 0.68% above California avg
▼
Rate3.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.68% above avgNationally 2.91%
Details
Anticipated rates; Effective as of 10-13-2026 (PST); Anticipated APY*
Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 4 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
4436 Atlantic Ave, Long Beach, CA 90807
60 Month Share Certificates - Bronze
$0
3.90%
▲ 0.68% above California avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.68% above avgNationally 2.91%
Details
Balance tier: $2,500 Minimum
Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4201 McGowen St ste 270, Long Beach, CA 90808
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.63% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.63% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
5 Year Jumbo Term Share Certificate
$100,000
3.75%
▲ 0.53% above California avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.53% above avgNationally 2.91%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
2250 N Bellflower Blvd, Long Beach, CA 90815 2017
5 Year Term Share Certificate
$1,000
3.65%
▲ 0.43% above California avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.43% above avgNationally 2.91%
Details
Penalty for early withdrawal; IRA Share Certificates also available; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
5-Year Certificate
$100,000
3.25%
▲ 0.03% above California avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.03% above avgNationally 2.91%
Details
Jumbo certificate; $100,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
5-Year IRA
$100,000
3.25%
▲ 0.03% above California avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▲ 0.03% above avgNationally 2.91%
Details
$100,000 min. deposit (Jumbo)
Rate History
1 change since Sep 24, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
- Oct 7, 20263.25%▲ from 3.15%
- Sep 24, 20263.15%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
5-Year Certificate
$50,000
3.20%
▼ 0.02% below California avg
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.02% below avgNationally 2.91%
Details
$50,000 min. deposit; Rates for California
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
5-Year IRA
$50,000
3.20%
▼ 0.02% below California avg
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.02% below avgNationally 2.91%
Details
$50,000 min. deposit
Rate History
1 change since Sep 24, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15%
- Oct 7, 20263.20%▲ from 3.15%
- Sep 24, 20263.15%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
5-Year Certificate
$25,000
3.15%
▼ 0.07% below California avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.07% below avgNationally 2.91%
Details
$25,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
5-Year IRA
$25,000
3.15%
▼ 0.07% below California avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.07% below avgNationally 2.91%
Details
$25,000 min. deposit
Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 7 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
5-Year Certificate
$1,000
3.10%
▼ 0.12% below California avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.12% below avgNationally 2.91%
Details
Rates for California; Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202
5-Year IRA
$1,000
3.10%
▼ 0.12% below California avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 0.12% below avgNationally 2.91%
Details
Effective Date: 02/04/2026; Rates for California
Rate History
1 change since Sep 24, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- Oct 7, 20263.10%▼ from 3.15%
- Sep 24, 20263.15%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
60 Month Certificate of Deposit (CD)
$1,000
1.75%
▼ 1.47% below California avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.47% below avgNationally 2.91%
Details
Balance: $500,000 or more
Rate History
2 changes since Sep 28, 2026 · 1.75% → 1.75% ▼ 0.00 pts · high 1.75% / low 1.25%
- Oct 7, 20261.75%▲ from 1.25%
- Oct 2, 20261.25%▼ from 1.75%
- Sep 28, 20261.75%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
60 Month Certificate of Deposit (CD)
$1,000
1.50%
▼ 1.72% below California avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.72% below avgNationally 2.91%
Details
Balance: $100,000-$499,999.99
Rate History
2 changes since Sep 28, 2026 · 1.50% → 1.50% ▼ 0.00 pts · high 1.50% / low 1.00%
- Oct 7, 20261.50%▲ from 1.00%
- Oct 2, 20261.00%▼ from 1.50%
- Sep 28, 20261.50%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
60 Month IRA Certificate
$500
1.50%
▼ 1.72% below California avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.72% below avgNationally 2.91%
Details
Balance: $500,000 or more
Rate History
No change since Sep 28, 2026 · 1.50% APY · checked 2 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificate - 60 Month
$100,000
1.40%
▼ 1.82% below California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.82% below avgNationally 2.91%
Details
Minimum Deposit: $100,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.40% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificates - 60 Months
$0
1.40%
▼ 1.82% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.82% below avgNationally 2.91%
Details
Balance: $100,000
Rate History
No change since Sep 30, 2026 · 1.40% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificate - 60 Month
$1,000
1.35%
▼ 1.87% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.87% below avgNationally 2.91%
Details
Minimum Deposit: $1,000; Withdrawal made when account has not matured equals 90-180 days of dividends
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
IRA Certificates - 60 Months
$0
1.35%
▼ 1.87% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.87% below avgNationally 2.91%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 5 times
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 60 Month
$100,000
1.35%
▼ 1.87% below California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.87% below avgNationally 2.91%
Details
Balance: $100,000 and over
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 2 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
100 Oceangate, Long Beach, CA 90802
60 Month Personal CD
$0
1.31%
▼ 1.91% below California avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.91% below avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 1.31% APY
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5531 E Stearns St, Long Beach, CA 90815
Share Certificate - 60 Month
$1,000
1.30%
▼ 1.92% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 1.92% below avgNationally 2.91%
Details
Balance: $1,000 - $99,999
Rate History
No change since Sep 30, 2026 · 1.30% APY · checked 2 times
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
60 Month Certificate of Deposit (CD)
$1,000
1.00%
▼ 2.22% below California avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.22% below avgNationally 2.91%
Details
Balance: $50,000-$99,999.99
Rate History
2 changes since Sep 28, 2026 · 1.00% → 1.00% ▼ 0.00 pts · high 1.00% / low 0.75%
- Oct 7, 20261.00%▲ from 0.75%
- Oct 2, 20260.75%▼ from 1.00%
- Sep 28, 20261.00%first recorded
F&M Bank of Long Beach
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
302 Pine Ave, Long Beach, CA 90802
60 Month IRA Certificate
$500
1.00%
▼ 2.22% below California avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
California Average3.22%▼ 2.22% below avgNationally 2.91%
Details
Balance: $100,000-$499,999.99
Rate History
No change since Sep 28, 2026 · 1.00% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Long Beach, CA CD Rate Trends
Compare local Long Beach, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD CA Avg
3.137%
▲ 0.021 vs 7 days ago
California 12-month CD rates rose 0.021 points over the past 7 days to 3.137% APY.
6-Month CD CA Avg
2.930%
▼ 0.017 vs 7 days ago
California 6-month CD rates fell 0.017 points over the past 7 days to 2.930% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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CA CD Rate Forecast, Next 12 Months
Where are California CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
3.137%
6-Month Forecast
3.137%
Range: 2.94%, 3.29%
12-Month Forecast
3.387%
Range: 3.19%, 3.54%
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What Your Savings Earn at CA CD Rates Today
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.373% | $118.66 | $237.32 | $593.30 | $1,186.60 |
| 6-Month CD | 2.930% | $146.50 | $292.99 | $732.48 | $1,464.95 |
| 12-Month CD | 3.137% | $156.85 | $313.69 | $784.23 | $1,568.45 |
| 18-Month CD | 3.101% | $155.05 | $310.10 | $775.25 | $1,550.50 |
| 24-Month CD | 2.983% | $149.17 | $298.33 | $745.82 | $1,491.65 |
| 36-Month CD | 3.012% | $150.58 | $301.17 | $752.93 | $1,505.85 |
| 48-Month CD | 3.016% | $150.77 | $301.55 | $753.88 | $1,507.75 |
| 60-Month CD | 3.217% | $160.85 | $321.70 | $804.25 | $1,608.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Long Beach, California Savers
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.373% | $118.66 |
| 2 | 6-Month CD | $5,000 | 2.930% | $146.50 |
| 3 | 12-Month CD | $5,000 | 3.137% | $156.85 |
| 4 | 24-Month CD | $5,000 | 2.983% | $149.17 |
| 5 | 36-Month CD | $5,000 | 3.012% | $150.58 |
| Total ($25,000 invested) | $25,000 | 2.887% blended | $721.76/yr | |
Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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3,220
CD Rates
Tracked in Long Beach, California
Tracked in Long Beach, California
33 Banks
78 Credit Unions
About Our Long Beach, California CD Rate Database
MonitorBankRates tracks 3,220 CD rates from 33 banks and 78 credit unions with locations in Long Beach, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: SchoolsFirst Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $50. Use the rate table above to compare all current offers in Long Beach, California.
How to Find the Best CD Rates in Long Beach, California
What to compare when shopping for a CD in Long Beach, California
To find the best APYs in Long Beach, California, start with credit unions and online-only banks: Long Beach, California has 78 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 Long Beach, 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 Long Beach, California: 111 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Long Beach, California savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Long Beach, California money market rates
Long Beach, California Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
13.5%
National avg: 17.3%
Median Individual Earnings
$44,746
National avg: $47,340
Poverty Rate
14.8%
National avg: 11.1%
Unemployment Rate
6.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$140/yr
At CA 12-mo avg 3.137% APY
13.5% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.5% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 3.137%, saving 10% of the local median salary ($4,474/year) and putting it in a CD would earn an additional $140 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 Long Beach, California
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Long Beach, California
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Long Beach, California typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Long Beach, California as everywhere in the U.S.
Choosing a CD Term in Long Beach, California
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Long Beach, California savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SchoolsFirst Federal Credit Union is offering its 60 Month Deferred Compensation Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Long Beach, California Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Long Beach, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Long Beach, California
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Long Beach, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Long Beach, California
Most CDs carry a fixed rate that is locked for the entire term, protecting a Long Beach, California depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Long Beach, California
Are CD rates in Long Beach, California FDIC insured?
Yes, most established banks in Long Beach, 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 Long Beach, 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 Long Beach, 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 Long Beach, 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 Long Beach, California?
Here are recent top rates found for this area:
- SchoolsFirst Federal Credit Union: 4.50% APY (60 Month Deferred Compensation Certificate)
- United Fidelity Bank: 4.40% APY (6-Month CD)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Poppy Bank: 4.25% APY (12-Month IRA CD)
- First Bank Creve Coeur, MO: 4.17% APY (18-Month Variable Rate IRA)
- City National Bank: 4.11% APY (Special 12-Month Fixed Rate CD)
- LBS Financial Credit Union: 4.05% APY (48 Month IRA Certificates)
- CIT Bank: 4.00% APY (Term CD - 1-Year Term)
- Arrowhead Central Credit Union: 3.75% APY (Share Certificate - 12 Month Promo)
- Southland Credit Union: 3.75% APY (5 Year Jumbo Term Share Certificate)
Rates reflect recent verified offers available in Long Beach, California. Last Updated: October 14, 2026
Long Beach, California CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Long Beach, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Long Beach, California
Long Beach, California CD Calculator
At today’s CA top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Long Beach, California CD LadderCA CD rates currently range from 2.373% (3-month) to 3.012% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Long Beach, California CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 3.137% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Long Beach, 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 Long Beach, 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 Long Beach, California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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