Martell, California CD Rates Today - Compare Best APYs for July 2026
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Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Martell, California CD rates include Corazo Credit UnionCorazo Credit UnionA5.0 ★Texas Ratio: 7.90%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month at 4.50% APY, Habib American HAB BankHabib American HAB BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.70%APY minus CPI (February 2026) offering Certificate - 12 Months at 4.50% APY, Central State Credit UnionCentral State Credit UnionA+5.0 ★Texas Ratio: 0.95%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Certificate at 4.25% APY, Credit Union of Southern CaliforniaCredit Union of Southern CaliforniaA+5.0 ★Texas Ratio: 2.43%Real return: +1.45%APY minus CPI (February 2026) offering 48 month Certificate at 4.25% APY, and U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 4.34%Real return: +1.45%APY minus CPI (February 2026) offering 1 Year Starter Add-On at 4.25% APY. CD rates as of July 27, 2026 according to verified data from MonitorBankRates.
Martell is a smaller community with no bank or credit union branches currently in our database. 788 institutions serving the California area are available to Martell residents, with CD rates as high as 4.50% APY from Corazo Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 27, 2026
Compare Best CD Rates in Martell, California & the Surrounding Area
Martell 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate - 3 Months
$0
4.50%
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.57%, Non-Rewards+ Loyalty Program APY: 2.60%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 month Certificate
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.57%, Non-Rewards+ Loyalty Program APY: 2.60%
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificate 3 month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
APY: Annual Percentage Yield
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month IRA CD (91-Day)
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 3 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
The minimum to open this account is $1,000 except where noted.
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
3 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month Pick-A-Term
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3 Month IRA Pick-A-Term
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 3 month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$50,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days
$0
3.41%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Day Certificate Special
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
balances $10,000 - $100,000
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
Certificate - 90 Day
$0
3.27%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedJul 23, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3-Month CD
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
3 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3-Month CD
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
LASSEN COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Term Share Certificates & Up) 3 Months
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
$100,000
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Share Certificate: 3-Month
$100,000
2.84%
▼
Rate2.80%
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Certificate
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
(90 to 179 days)
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Share Certificate: 3-Month
$50,000
2.78%
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
3-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
3-Month Business Certificate Account
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
3-Month CD
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Martell 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate - 6 Months
$0
4.50%
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
6 Month Birthday Promo
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CD
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Annual Percentage Yield (APY) is based on an minimum deposit of $1,000. APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Term Certificates & IRA Certificates 6 months
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
APY* = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information.
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6-Month Promotional IRA Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Terms 6 months
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Special 6-Month Fixed Rate CD
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
1
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Flexible interest payouts: Compound your earnings into your CD or send them to your Happen Bank account. Annual Percentage Yield (APY) accurate as of 07/12/2026. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6-Month Add-On Promotional Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Get Fit Certificate 6 Month Certificate Basic
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Get Fit Certificate 6 Month Certificate Plus
$2,500
3.85%
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Jumbo Certificate 6 Month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6-Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
New Money CDs
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 6 months
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Exclusively for Premier clients. Fixed interest rate until maturity.
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month IRA CD (182-Day)
$1,000
3.70%
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificate 6 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Online CDs
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6-Month Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Promotional offer
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fixed
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 6 month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business 6 Month
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate - 6 Month
$200
3.60%
▼
Rate3.54%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Certificate 6 Month
$200
3.60%
▼
Rate3.54%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
6-Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Regular Certificate 6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
6-Month Jumbo Share Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 17.60%
Certificate of Deposit 6 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Martell 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate - 12 Months
$0
4.50%
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12-Month Certificate
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
New funds only. Limited-time offer. Fixed rate 4.17% APR. Dividends compounded monthly and credited monthly and at maturity. Penalty may be imposed for early withdrawal. Offer subject to change without notice.
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
APY= Annual Percentage Yield. Stated rate is 4.169%. APY is accurate as of June 1, 2026. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
12 Months
$0
4.25%
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Featured rate
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA - 12 Month Certificate
$1,000
4.12%
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Loyalty Share Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Months
$0
4.00%
▼
Rate3.91%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business 1 Year
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
Youth Share Certificates 12 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Youth Bonus
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Months
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 12 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
12 Month Birthday Promo
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Get Fit IRA 1 Year Certificate
$1,000
3.95%
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
12 Month Platinum TCD
$0
3.88%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
GBC 50th Anniversary Special! Terms and Conditions
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
12 Months
$0
3.86%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12-Month College Saver
$200
3.85%
▼
Rate3.78%
Min Deposit$200
Min Balance—
UpdatedJul 24, 2026
Details
The minimum opening deposit listed is also the minimum balance required to earn the stated APY.
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
State Bank of India US
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA Certificates of Deposit - 1 Year
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 12 months
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Exclusively for Premier clients. Fixed interest rate until maturity.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
New Money CDs
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Standard Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1 Year Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
IRA 12 Month Certificate
$0
3.84%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 month CD
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Annual Percentage Yield (APY) is based on an minimum deposit of $1,000. APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Variable Rate
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 12 Month
$1,000
3.80%
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Online CDs
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Martell 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month Certificate
$100,000
4.25%
▼
Rate4.17%
Min Deposit$100,000
Min Balance—
UpdatedJul 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details
Rates subject to change
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month Certificate
$50,000
4.15%
▼
Rate4.07%
Min Deposit$50,000
Min Balance—
UpdatedJul 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month Certificate
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 18 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$10,000 - $49,999
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Variable Rate
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Certificate 18 Month
$200
3.75%
▼
Rate3.69%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 18 Month
$200
3.75%
▼
Rate3.69%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate - 18 Month
$200
3.75%
▼
Rate3.69%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 18 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$50,000
Matadors Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
18-Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
18-month Share Certificate
$1,000
3.73%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
Share Certificates 18 Months
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificate 18 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
The minimum to open this account is $1,000 except where noted.
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Regular Certificate 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18-Month Limited Time Only Promotional Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity.
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
For a limited time only, pick your certificate term!
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 18 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
18-month CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Terms 18 months
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Term Certificates & IRA Certificates 18 months
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
APY* = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information.
Edwards Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
18 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Share Certificate: 18-Month
$100,000
3.27%
▼
Rate3.22%
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Martell 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 month
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1-2 Year Share Certificate
$0
4.13%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
24 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
24 Months
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Business 2 Year
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
New Money CDs
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 24 months
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Exclusively for Premier clients. Fixed interest rate until maturity.
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate - 2 Year
$200
3.80%
▼
Rate3.74%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 2 Year
$200
3.80%
▼
Rate3.74%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Certificate 2 Year
$200
3.80%
▼
Rate3.74%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Online CDs
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificate 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificates 2 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificate 2 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 24 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$50,000
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
2-Year Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fixed
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 24 Months - Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificate 24 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo Certificate 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 24 Months - Gold
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
24 Month - Share Certificate
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 24 Months - Silver
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
2 Years IRA Certificate
$5
3.60%
▼
Rate3.54%
Min Deposit$5
Min Balance—
UpdatedJul 24, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
2 Years
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Martell 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 month
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Variable
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
36 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
36 Months
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate - 3 Year
$200
3.85%
▼
Rate3.78%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Certificate 3 Year
$200
3.85%
▼
Rate3.78%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 3 Year
$200
3.85%
▼
Rate3.78%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months - Platinum
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificate 3 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificates 3 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificate 3 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 36 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$50,000
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
The minimum to open this account is $1,000 except where noted.
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months - Gold
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificate 36 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months - Silver
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 Years
$500
3.64%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 Years IRA Certificate
$5
3.64%
▼
Rate3.58%
Min Deposit$5
Min Balance—
UpdatedJul 24, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
36-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 36 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
Share Certificates 36 Months
$10,000
3.56%
▼
Rate3.51%
Min Deposit$10,000
Min Balance—
UpdatedJul 27, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo Certificate 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
Share Certificates 36 Months
$1,000
3.51%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJul 27, 2026
Details
Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
Certificate - 3 Years
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 36-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo Certificate 36-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Martell 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Promo Certificate**
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Promo Certificate
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
48 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
The minimum to open this account is $1,000 except where noted.
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
48 Months
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Certificate 4 Year
$200
3.90%
▼
Rate3.83%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 4 Year
$200
3.90%
▼
Rate3.83%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate - 4 Year
$200
3.90%
▼
Rate3.83%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months - Platinum
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months - Gold
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 48 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months - Silver
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH IRA CERTIFICATE
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH CERTIFICATE
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificate 48 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificates 4 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificate 4 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificate 4 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Consumer Certificates and IRA Certificates - 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years IRA Certificate
$5
3.70%
▼
Rate3.63%
Min Deposit$5
Min Balance—
UpdatedJul 24, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
48 months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
4 Year Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 48 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$10,000 - $49,999
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
48 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Standard Certificate 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
Certificate - 4 Years
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Martell 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 month
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Non-Rewards+ Loyalty Program Dividend Rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates 60 Months
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates 60 Months
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates 60 Months
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Share Certificates 60 Months
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
60 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Share Certificates 60 Months
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates 60 Months
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5 Years
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
IRA Certificates 60 Months
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Step Up Certificates 5 Year
$200
4.00%
▼
Rate3.93%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
IRA Certificate 5 Year
$200
4.00%
▼
Rate3.93%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Share Certificates 60 Months
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Certificate - 5 Year
$200
4.00%
▼
Rate3.93%
Min Deposit$200
Min Balance—
UpdatedJul 27, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
60 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
The minimum to open this account is $1,000 except where noted.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month GoldStar? Membership Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month GoldStar? Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate is 0.100% APY lower for non-GoldStar? members
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Jumbo IRA Certificate 60 Month
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Jumbo Certificate 60 Month
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH IRA CERTIFICATE
$100,000
4.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH CERTIFICATE
$100,000
4.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.59%
60 Months
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months - Platinum
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Share Certificates 60 Months
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
60 months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Regular IRA Certificate 60 Month
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates 60 months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$10,000 - $49,999
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months - Gold
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5 Years
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
60 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Share Certificates 60 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months - Silver
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 27, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
5 Years IRA Certificate
$5
3.85%
▼
Rate3.78%
Min Deposit$5
Min Balance—
UpdatedJul 24, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
5 Years
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Martell, CA CD Rate Trends
Compare local Martell, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — CA Avg
2.835%
▲ 0.721 vs 7 days ago
California 12-month CD rates rose 0.721 points over the past 7 days to 2.835% APY.
6-Month CD — CA Avg
2.806%
▲ 1.432 vs 7 days ago
California 6-month CD rates rose 1.432 points over the past 7 days to 2.806% APY.
As of Jul 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CA CD Rate Forecast — Next 12 Months
Where are California CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
2.835%
6-Month Forecast
2.835%
Range: 2.64% – 2.99%
12-Month Forecast
2.585%
Range: 2.39% – 2.74%
Powered by
MonitorBankRates
What Your Savings Earn at CA CD Rates Today
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.253% | $112.64 | $225.27 | $563.18 | $1,126.35 |
| 6-Month CD | 2.806% | $140.28 | $280.56 | $701.40 | $1,402.80 |
| 12-Month CD | 2.835% | $141.75 | $283.50 | $708.75 | $1,417.50 |
| 18-Month CD | 2.682% | $134.11 | $268.21 | $670.53 | $1,341.05 |
| 24-Month CD | 2.712% | $135.59 | $271.18 | $677.95 | $1,355.90 |
| 36-Month CD | 3.110% | $155.48 | $310.96 | $777.40 | $1,554.80 |
| 48-Month CD | 3.217% | $160.83 | $321.65 | $804.13 | $1,608.25 |
| 60-Month CD | 3.014% | $150.72 | $301.44 | $753.60 | $1,507.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 27, 2026. | |||||
Sample CD Ladder for Martell, 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 | 2.253% | $112.64 |
| 2 | 6-Month CD | $5,000 | 2.806% | $140.28 |
| 3 | 12-Month CD | $5,000 | 2.835% | $141.75 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.59 |
| 5 | 36-Month CD | $5,000 | 3.110% | $155.48 |
| Total ($25,000 invested) | $25,000 | 2.743% blended | $685.74/yr | |
Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,254
CD Rates
Tracked in Martell, California
Tracked in Martell, California
23 Banks
90 Credit Unions
About Our Martell, California CD Rate Database
MonitorBankRates tracks 1,254 CD rates from 23 banks and 90 credit unions with locations in Martell, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Corazo Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Martell, California.
How to Find the Best CD Rates in Martell, California
What to compare when shopping for a CD in Martell, California
To find the best APYs in Martell, California, start with credit unions and online-only banks — Martell, California has 90 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 Martell, 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 Martell, California — 113 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Martell, California savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Martell, California money market rates
California Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
15.7%
National avg: 17.3%
Median Individual Earnings
$49,032
National avg: $47,340
Poverty Rate
12.0%
National avg: 11.1%
Unemployment Rate
6.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$139/yr
At CA 12-mo avg 2.835% APY
15.7% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 6.6% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 2.835%, saving 10% of the local median salary ($4,903/year) and putting it in a CD would earn an additional $139 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 Martell, California
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Martell, 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 Martell, 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 Martell, California as everywhere in the U.S.
Choosing a CD Term in Martell, 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 Martell, California savers easier access to their funds. For example, Habib American HAB Bank is offering its Certificate - 6 Months at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Corazo Credit Union is offering its 60 Month 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 Martell, 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 Martell, 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 Martell, 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 Martell, 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 Martell, California
Most CDs carry a fixed rate that is locked for the entire term, protecting a Martell, 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 Martell, California
Are CD rates in Martell, California FDIC insured?
Yes, most established banks in Martell, 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 Martell, 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 Martell, 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 Martell, 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 Martell, California?
Here are recent top rates found for this area:
- Corazo Credit Union: 4.50% APY (60 Month)
- Habib American HAB Bank : 4.50% APY (Certificate - 3 Months)
- Credit Union of Southern California: 4.25% APY (36 month)
- United Fidelity Bank: 4.25% APY (18-Month CD)
- American First Credit Union: 4.25% APY (48 Month Promo Certificate)
- Central State Credit Union: 4.25% APY (18 Month Certificate)
- Thinkwise Federal Credit Union: 4.25% APY (12 Months)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
- SchoolsFirst Federal Credit Union: 4.20% APY (IRA Certificates 60 Months)
Rates reflect recent verified offers available in Martell, California. Last Updated: July 27, 2026
CD Calculators for Martell, California
Martell, 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.
Martell, California CD LadderCA CD rates currently range from 2.253% (3-month) to 3.110% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Martell, California CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.835% 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 Martell, 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 Martell, 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 Martell, 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: July 27, 2026
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