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CD Rate Trends

Monte Sereno, California Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Monte Sereno, California CD rates from banks and credit unions serving California range from 3.30% to 5.90% APY, verified by MonitorBankRates as of October 12, 2026. Current Monte Sereno, California CD rates include Schools Federal Credit UnionSchools Federal Credit UnionA+5.0 ★Texas Ratio: 1.87%Real return: +3.10%APY minus CPI (February 2026) offering 12 Month Relationship Certificate at 5.90% APY, Sage Credit UnionSage Credit UnionA+5.0 ★Texas Ratio: 5.70%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Pathfinder Term Share Certificate at 5.00% APY, LA Healthcare Federal Credit UnionLA Healthcare Federal Credit UnionA+5.0 ★Texas Ratio: 3.47%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Certificates at 5.00% APY, Skyla Federal Credit UnionSkyla Federal Credit UnionA5.0 ★Texas Ratio: 9.56%Real return: +1.95%APY minus CPI (February 2026) offering 48 Month elite jumbo cd at 4.75% APY, and Stanford Federal Credit UnionStanford Federal Credit UnionA+5.0 ★Texas Ratio: 1.30%Real return: +1.90%APY minus CPI (February 2026) offering 12-Month Certificate at 4.70% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Monte Sereno is a smaller community with no bank or credit union branches currently in our database. 757 institutions serving the California area are available to Monte Sereno residents, with CD rates as high as 5.90% APY from Schools Federal Credit Union. 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 12, 2026

Compare Best CD Rates in Monte Sereno, California & the Surrounding Area

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Monte Sereno 3 Month CD Rates

California 3 Month CD Average2.39% APYNational 2.10%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.19% above California avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.39%▲ 2.19% above avgNationally 2.10%
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%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3-MONTH CD
$0
4.25% ▲ 1.86% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.86% above avgNationally 2.10%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
4.25% ▲ 1.86% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.39%▲ 1.86% above avgNationally 2.10%
Details

Term: 3 Months with Epic Premium Checking

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 12, 2026
  • 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%
3-Month Certificate
$0
4.00% ▲ 1.61% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.61% above avgNationally 2.10%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.61% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.61% above avgNationally 2.10%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 12, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3 Month Certificate
$1,000
4.00% ▲ 1.61% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.39%▲ 1.61% above avgNationally 2.10%
Details

Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
3 Month Jumbo Certificates of Deposit
$0
3.98% ▲ 1.59% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.39%▲ 1.59% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.98% APY · checked 5 times
3.48%3.98%4.48%Sep 29, 2026: 3.98% APYSep 29, 2026Oct 12, 2026
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% ▲ 1.59% above California avg
View
▼
Rate3.90%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.39%▲ 1.59% above avgNationally 2.10%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 3.98% APY · checked 2 times
3.48%3.98%4.48%Oct 7, 2026: 3.98% APYOct 7, 2026Oct 12, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.46% above California avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
California Average2.39%▲ 1.46% above avgNationally 2.10%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 12, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.41% above avgNationally 2.10%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 12, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.75% ▲ 1.36% above California avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.36% above avgNationally 2.10%
Details

Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 8, 2026: 3.50% APYOct 2, 2026: 3.75% APYSep 8, 2026Oct 12, 2026
  • Oct 2, 20263.75%▲ from 3.50%
  • Sep 8, 20263.50%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
3.75% ▲ 1.36% above California avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.39%▲ 1.36% above avgNationally 2.10%
Details

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 25, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 25, 2026Oct 12, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month IRA Pick-A-Term Certificate
$10,000
3.75% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.39%▲ 1.36% above avgNationally 2.10%
Details

Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 12, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month Pick-A-Term Certificate Special
$10,000
3.75% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.39%▲ 1.36% above avgNationally 2.10%
Details

Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month Pick-A-Term Certificates
$0
3.75% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.39%▲ 1.36% above avgNationally 2.10%
Details

Limited-time offer

Rate History
No change since Oct 1, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 1, 2026: 3.75% APYOct 1, 2026Oct 12, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.31% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.31% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Share Certificates - Jumbo
$0
3.70% ▲ 1.31% above California avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.31% above avgNationally 2.10%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 14, 2026: 3.50% APYSep 27, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20263.70%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
3.65% ▲ 1.26% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.26% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
  • 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
$10,000
3.65% ▲ 1.26% above California avg
View
▼
Rate3.60%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.39%▲ 1.26% above avgNationally 2.10%
Details

Balance: $10,000 and over; $100,000 per member maximum

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 12, 2026
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
90 Days Certificate Account and IRA Account
$10,000
3.65% ▲ 1.26% above California avg
View
▼
Rate3.60%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.39%▲ 1.26% above avgNationally 2.10%
Details

Maximum per member $100,000

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.65% ▲ 0.24 pts · high 3.65% / low 3.41%
2.91%3.53%4.15%Sep 14, 2026: 3.41% APYSep 18, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20263.65%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Liquid Certificate
$0
3.65% ▲ 1.26% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.26% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Liquid Certificate
$0
3.65% ▲ 1.26% above California avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.26% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Share Certificates - Gold
$0
3.65% ▲ 1.26% above California avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.26% above avgNationally 2.10%
Details

Rate History
No change since Sep 27, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 27, 2026: 3.65% APYSep 27, 2026Oct 12, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CD
$0
3.60% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.21% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.21% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.39%▲ 1.21% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.21% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
California Average2.39%▲ 1.21% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month IRA Pick-A-Term Certificate
$0
3.60% ▲ 1.21% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.39%▲ 1.21% above avgNationally 2.10%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 3.60% ▼ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 22, 2026: 3.75% APYOct 9, 2026: 3.60% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20263.60%▼ from 3.75%
  • Sep 22, 20263.75%first recorded
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
3 Month Pick-A-Term
$0
3.60% ▲ 1.21% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.39%▲ 1.21% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
3 Month Share Certificate
$0
3.60% ▲ 1.21% above California avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.21% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Share Certificates - Silver
$0
3.60% ▲ 1.21% above California avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.21% above avgNationally 2.10%
Details

Rate History
No change since Sep 27, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 27, 2026: 3.60% APYSep 27, 2026Oct 12, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.16% above avgNationally 2.10%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Share Certificates - Bronze Minimum - 3 month
$0
3.55% ▲ 1.16% above California avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.16% above avgNationally 2.10%
Details

Rate History
1 change since Sep 18, 2026 · 3.35% → 3.55% ▲ 0.20 pts · high 3.55% / low 3.35%
2.85%3.45%4.05%Sep 18, 2026: 3.35% APYOct 10, 2026: 3.55% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20263.55%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.50% ▲ 1.11% above California avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.11% above avgNationally 2.10%
Details

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 12, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month IRA CD (91-Day)
$1,000
3.50% ▲ 1.11% above California avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.39%▲ 1.11% above avgNationally 2.10%
Details

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 12, 2026
Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3 Month Certificate
$0
3.50% ▲ 1.11% above California avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.39%▲ 1.11% above avgNationally 2.10%
Details

Rate History
1 change since Oct 8, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Oct 8, 2026: 3.25% APYOct 12, 2026: 3.50% APYOct 8, 2026Oct 12, 2026
  • Oct 12, 20263.50%▲ from 3.25%
  • Oct 8, 20263.25%first recorded
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$1,000
3.50% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.39%▲ 1.11% above avgNationally 2.10%
Details

APY $500: N/A; APY $1,000+: 3.50%; APY $100,000+: 3.50%

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 12, 2026
Thinkwise Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
3 Month Term Share Certificate
$500
3.50% ▲ 1.11% above California avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.39%▲ 1.11% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Consumer Certificates and IRA Certificates
$0
3.50% ▲ 1.11% above California avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.11% above avgNationally 2.10%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50% ▲ 1.11% above California avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.11% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 3 Month
$0
3.50% ▲ 1.11% above California avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.11% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month IRA Share Certificate
$0
3.45% ▲ 1.06% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.06% above avgNationally 2.10%
Details

Prospective Annual Percentage Yield (APY)

Rate History
No change since Oct 10, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 10, 2026: 3.45% APYOct 10, 2026Oct 12, 2026
South Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Share Certificate
$0
3.45% ▲ 1.06% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.06% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20%
2.70%3.33%3.95%Sep 14, 2026: 3.20% APYSep 27, 2026: 3.45% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20263.45%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Business Certificate 3 months
$0
3.45% ▲ 1.06% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.06% above avgNationally 2.10%
Details

Balance: $200,000.00 and over

Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 30, 2026: 3.45% APYSep 30, 2026Oct 12, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Traditional Certificate 3 months
$0
3.45% ▲ 1.06% above California avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.06% above avgNationally 2.10%
Details

Balance: $200,000.00 and over; Traditional Share Certificate

Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 30, 2026: 3.45% APYSep 30, 2026Oct 12, 2026
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
3 Month Certificate
$0
3.40% ▲ 1.01% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.39%▲ 1.01% above avgNationally 2.10%
Details

Balance: $75,000.00

Rate History
1 change since Sep 14, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14%
2.64%3.27%3.90%Sep 14, 2026: 3.14% APYOct 4, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.40%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
90 Day Certificate Account and IRA Account
$1,000
3.40% ▲ 1.01% above California avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.39%▲ 1.01% above avgNationally 2.10%
Details

Balance: $1,000-$9,999.99; $100,000 per member maximum

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 12, 2026
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
90 Days Certificate Account and IRA Account
$1,000
3.40% ▲ 1.01% above California avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.39%▲ 1.01% above avgNationally 2.10%
Details

Maximum per member $100,000

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.40% ▼ 0.01 pts · high 3.41% / low 3.40%
2.90%3.41%3.91%Sep 14, 2026: 3.41% APYSep 18, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20263.40%▼ from 3.41%
  • Sep 14, 20263.41%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Month Share Certificate
$0
3.40% ▲ 1.01% above California avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
California Average2.39%▲ 1.01% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Business Certificate 3 months
$0
3.40% ▲ 1.01% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.01% above avgNationally 2.10%
Details

Balance: $100,000.00 - $199,999.99

Rate History
No change since Sep 30, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 30, 2026: 3.40% APYSep 30, 2026Oct 12, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Traditional Certificate 3 months
$0
3.40% ▲ 1.01% above California avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.39%▲ 1.01% above avgNationally 2.10%
Details

Balance: $100,000.00 - $199,999.99; Traditional Share Certificate

Rate History
No change since Sep 30, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 30, 2026: 3.40% APYSep 30, 2026Oct 12, 2026

Monte Sereno 6 Month CD Rates

California 6 Month CD Average2.95% APYNational 2.79%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
6 Month Certificate
$1,000
4.50% ▲ 1.55% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.95%▲ 1.55% above avgNationally 2.79%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 12, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40% ▲ 1.45% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.95%▲ 1.45% above avgNationally 2.79%
Details

Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 12, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.35% above California avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.95%▲ 1.35% above avgNationally 2.79%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.30% ▲ 1.35% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.95%▲ 1.35% above avgNationally 2.79%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 8, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
6-MONTH CD
$0
4.25% ▲ 1.30% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.30% above avgNationally 2.79%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
IRA - 6-MONTH IRA CD
$1,000
4.25% ▲ 1.30% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.30% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Glendale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Promotional CD
$0
4.25% ▲ 1.30% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.95%▲ 1.30% above avgNationally 2.79%
Details

Promotional CD rate is for new money

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
6 Month Term Share Certificate
$500
4.25% ▲ 1.30% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.95%▲ 1.30% above avgNationally 2.79%
Details

Term: 6 Months with Epic Premium Checking

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 12, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6 Month Certificate
$500
4.25% ▲ 1.30% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.30% above avgNationally 2.79%
Details

Minimum balance for all Certificates and IRA Certificates is $500.

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6 Month Term Certificates
$0
4.25% ▲ 1.30% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.30% above avgNationally 2.79%
Details

Balance: $500+; APY**

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
6 Month Promo
$500
4.25% ▲ 1.30% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.95%▲ 1.30% above avgNationally 2.79%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
6 Month Promotional IRA Share Certificate
$0
4.20% ▲ 1.25% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.25% above avgNationally 2.79%
Details

Promotional IRA Share Certificate

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Share Certificate
$0
4.10% ▲ 1.15% above California avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
California Average2.95%▲ 1.15% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
6-Month Add-On Promotional Share Certificate
$500
4.10% ▲ 1.15% above California avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.15% above avgNationally 2.79%
Details

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%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month jumbo cd
$50,000
4.10% ▲ 1.15% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.15% above avgNationally 2.79%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-MONTH CD
$2,500
4.10% ▲ 1.15% above California avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.95%▲ 1.15% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
6 Month Share Certificate
$10,000
4.07% ▲ 1.12% above California avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificates - 6 Months
$0
4.07% ▲ 1.12% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05% ▲ 1.10% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.10% above avgNationally 2.79%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05% ▲ 1.10% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.10% above avgNationally 2.79%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 12, 2026
Citizens National Bank of Texas
Institution Rating:
A5.0 ★Texas Ratio: 12.03%
6 month CD
$1,000
4.04% ▲ 1.09% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.09% above avgNationally 2.79%
Details

APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal. Member FDIC

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 4 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
6 Month Jumbo Certificates of Deposit
$0
4.03% ▲ 1.08% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.95%▲ 1.08% above avgNationally 2.79%
Details

Rate History
No change since Sep 29, 2026 · 4.03% APY · checked 5 times
3.53%4.03%4.53%Sep 29, 2026: 4.03% APYSep 29, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
6 Month Mini Money Maker Certificate of Deposit
$2,000
4.03% ▲ 1.08% above California avg
View
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.95%▲ 1.08% above avgNationally 2.79%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 7, 2026: 4.03% APYOct 7, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.00% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 12, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6 Month Share Certificate
$1,000
4.00% ▲ 1.05% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 12, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.05% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Business Term Certificate Promo
$0
4.00% ▲ 1.05% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
6-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.05% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Balance: $5+

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month Certificate
$1,000
4.00% ▲ 1.05% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 12, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
IRA Certificate 6 Month
$500
4.00% ▲ 1.05% above California avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
6-month Share Certificate
$10,000
4.00% ▲ 1.05% above California avg
View
▼
Rate3.93%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.00%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
6 Month Certificates
$0
4.00% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Balance: $100,000

Rate History
1 change since Sep 18, 2026 · 1.50% → 4.00% ▲ 2.50 pts · high 4.00% / low 1.50%
0.00%3.25%6.50%Sep 18, 2026: 1.50% APYOct 9, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 1.50%
  • Sep 18, 20261.50%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificate
$0
4.00% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month regular cd
$500
4.00% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month Jumbo Certificate - Special
$0
4.00% ▲ 1.05% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 12, 2026
Murphy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
6 Month Certificate
$0
3.90% ▲ 0.95% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.95%▲ 0.95% above avgNationally 2.79%
Details

Rate History
1 change since Oct 8, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Oct 8, 2026: 3.65% APYOct 12, 2026: 3.90% APYOct 8, 2026Oct 12, 2026
  • Oct 12, 20263.90%▲ from 3.65%
  • Oct 8, 20263.65%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
6-month Certificate
$0
3.90% ▲ 0.95% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.95%▲ 0.95% above avgNationally 2.79%
Details

Balance: $500+

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 12, 2026
Bank of the Orient
Institution Rating:
A-5.0 ★Texas Ratio: 15.57%
6-MONTH CD
$0
3.88% ▲ 0.93% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 0.93% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.88% APY · checked 8 times
3.38%3.88%4.38%Sep 14, 2026: 3.88% APYSep 14, 2026Oct 12, 2026
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
6 Month CD
$1,000
3.85% ▲ 0.90% above California avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.95%▲ 0.90% above avgNationally 2.79%
Details

Rate History
1 change since Sep 8, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 8, 2026: 3.70% APYOct 2, 2026: 3.85% APYSep 8, 2026Oct 12, 2026
  • Oct 2, 20263.85%▲ from 3.70%
  • Sep 8, 20263.70%first recorded
Ventura County Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.65%
Get Fit Certificate - 6 Month Certificate Basic
$500
3.85% ▲ 0.90% above California avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.95%▲ 0.90% above avgNationally 2.79%
Details

Balance: $500 - $999.99

Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Oct 12, 2026
Ventura County Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.65%
Get Fit Certificate - 6 Month Certificate Plus
$2,500
3.85% ▲ 0.90% above California avg
View
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.95%▲ 0.90% above avgNationally 2.79%
Details

Balance: $2,500 and over

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month IRA Certificates - Jumbo
$0
3.85% ▲ 0.90% above California avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.95%▲ 0.90% above avgNationally 2.79%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.85%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month Share Certificates - Jumbo
$0
3.85% ▲ 0.90% above California avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.95%▲ 0.90% above avgNationally 2.79%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20263.85%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
6 Month CD
$500
3.85% ▲ 0.90% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.95%▲ 0.90% above avgNationally 2.79%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 12, 2026
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
6 Month Share Certificate
$5,000
3.81% ▲ 0.86% above California avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 0.86% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 7 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 12, 2026
Fontana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificates - 6 Months
$0
3.81% ▲ 0.86% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 0.86% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 7 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 12, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
6 Month Certificate
$0
3.81% ▲ 0.86% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 0.86% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Actors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
6-Month Certificate
$0
3.81% ▲ 0.86% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.95%▲ 0.86% above avgNationally 2.79%
Details

New funds only**

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.81% ▲ 0.26 pts · high 3.81% / low 3.55%
3.05%3.68%4.31%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.81%▲ from 3.55%
  • Sep 14, 20263.55%first recorded

Monte Sereno 12 Month CD Rates

California 12 Month CD Average3.14% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
12 Month Relationship Certificate
$0
5.90% ▲ 2.76% above California avg
View
▼
Rate5.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 2.76% above avgNationally 2.99%
Details

Relationship Certificate(12 months)Terms Apply

Rate History
No change since Sep 25, 2026 · 5.90% APY · checked 3 times
5.40%5.90%6.40%Sep 25, 2026: 5.90% APYSep 25, 2026Oct 12, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
12 Month Pathfinder Term Share Certificate
$100
5.00% ▲ 1.86% above California avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.86% above avgNationally 2.99%
Details

Balance: $100.00 - $4,999.99; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Rate History
No change since Sep 25, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 25, 2026: 5.00% APYSep 25, 2026Oct 12, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month Certificates
$0
5.00% ▲ 1.86% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.86% above avgNationally 2.99%
Details

Balance: $25,000

Rate History
1 change since Sep 18, 2026 · 2.00% → 5.00% ▲ 3.00 pts · high 5.00% / low 2.00%
0.00%4.00%8.00%Sep 18, 2026: 2.00% APYOct 9, 2026: 5.00% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.00%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month Certificates
$0
4.75% ▲ 1.61% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.61% above avgNationally 2.99%
Details

Balance: $10,000

Rate History
1 change since Sep 18, 2026 · 2.00% → 4.75% ▲ 2.75 pts · high 4.75% / low 2.00%
0.00%3.75%7.50%Sep 18, 2026: 2.00% APYOct 9, 2026: 4.75% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.75%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12-Month Certificate
$100
4.70% ▲ 1.56% above California avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.56% above avgNationally 2.99%
Details

Includes a .50 bonus for active and engaged members through our Loyalty+ program. At maturity, the 12-Month Certificate automatically renews at a 12-month term at the rate in effect on the maturity date.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.70% ▲ 0.70 pts · high 4.70% / low 4.00%
3.30%4.35%5.40%Sep 14, 2026: 4.00% APYSep 21, 2026: 4.70% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20264.70%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12 Month Certificate
$1,000
4.50% ▲ 1.36% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 12, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month Certificate
$1,000
4.50% ▲ 1.36% above California avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 12, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
IRA Certificate 12 Month
$500
4.50% ▲ 1.36% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 12, 2026
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month Certificates
$0
4.50% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 2.00% → 4.50% ▲ 2.50 pts · high 4.50% / low 2.00%
0.00%3.50%7.00%Sep 18, 2026: 2.00% APYOct 9, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.50%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term
$500
4.50% ▲ 1.36% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.36% above avgNationally 2.99%
Details

Balance: $500 (maximum principal balance)

Rate History
No change since Oct 9, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 9, 2026: 4.50% APYOct 9, 2026Oct 12, 2026
Monterey County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12-Month CD Special
$100,000
4.44% ▲ 1.30% above California avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.14%▲ 1.30% above avgNationally 2.99%
Details

Available to new funds only.

Rate History
No change since Oct 11, 2026 · 4.44% APY
3.94%4.44%4.94%Oct 11, 2026: 4.44% APYOct 11, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.35% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.35% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.21% above California avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 12, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12 Month Deferred Compensation Certificate
$50
4.35% ▲ 1.21% above California avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

payroll deposit only

Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 5, 2026: 4.35% APYOct 5, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month elite jumbo cd
$250,000
4.35% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.21% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
UNCLE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.51%
12 Month Share Certificate
$0
4.33% ▲ 1.19% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.19% above avgNationally 2.99%
Details

Variable**

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
3.31%4.07%4.84%Sep 14, 2026: 3.82% APYOct 9, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.33%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.30% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 12, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-MONTH CD
$500
4.30% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
12 Month CD
$500
4.30% ▲ 1.16% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
12-MONTH CD
$0
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
IRA - 12-MONTH IRA CD
$1,000
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Glendale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Promotional CD
$0
4.25% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Promotional CD rate is for new money

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
1 Year Term Share Certificate
$500
4.25% ▲ 1.11% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Term: 1 year with Epic Premium Checking

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.00% APYSep 25, 2026: 4.25% APYSep 12, 2026Oct 12, 2026
  • Sep 25, 20264.25%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Thinkwise Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
12 Month Gen-T Term Share Certificate
$5
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 12, 2026: 4.25% APYSep 12, 2026Oct 12, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year IRA Certificate
$0
4.25% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month 500 Minimum Deposit Certificate
$0
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Certificate
$0
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25% ▲ 1.11% above California avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Share Saver Certificate - 12-Month Term
$400
4.25% ▲ 1.11% above California avg
View
▼
Rate4.17%
Min Deposit$400
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Balance: $400 - $499.99

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
12 Month Minor Certificate
$500
4.25% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

For minors, minimum term is 12 months; minimum opening balance and minimum to earn dividends is $500.

Rate History
No change since Oct 1, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 1, 2026: 4.25% APYOct 1, 2026Oct 12, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
12-Month Certificate
$1,000
4.25% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

New Funds

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
12-Month IRA Certificate
$25
4.25% ▲ 1.11% above California avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms. Fixed account.

Rate History
1 change since Sep 22, 2026 · 3.10% → 4.25% ▲ 1.15 pts · high 4.25% / low 3.10%
1.95%3.68%5.40%Sep 22, 2026: 3.10% APYOct 10, 2026: 4.25% APYSep 22, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.10%
  • Sep 22, 20263.10%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate - 1 Year Starter Add-On
$0
4.25% ▲ 1.11% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 12, 2026
Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12-Month Business Certificate
$0
4.20% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 21, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 21, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month Share Certificate
$0
4.20% ▲ 1.06% above California avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
California Average3.14%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month jumbo cd
$50,000
4.20% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.06% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Siskiyou Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
12 Month Share Certificate
$0
4.20% ▲ 1.06% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.06% above avgNationally 2.99%
Details

Balance: $0-$24,999

Rate History
No change since Sep 26, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 26, 2026: 4.20% APYSep 26, 2026Oct 12, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month Certificate
$0
4.17% ▲ 1.03% above California avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.03% above avgNationally 2.99%
Details

Balance: $100,000 +

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
3.47%4.07%4.67%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.17% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.17%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
12-month Loyalty Share Certificate
$10,000
4.15% ▲ 1.01% above California avg
View
▼
Rate4.07%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 1.01% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
IRA - 12 Month Certificate
$1,000
4.12% ▲ 0.98% above California avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 10, 2026: 4.12% APYOct 10, 2026Oct 12, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 12-Month Fixed Rate
$0
4.11% ▲ 0.97% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.14%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month regular cd
$500
4.10% ▲ 0.96% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 0.96% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Year Add-On Certificate
$0
4.10% ▲ 0.96% above California avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.96% above California avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.14%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
12 Month Jumbo Certificates of Deposit
$0
4.08% ▲ 0.94% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.14%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 29, 2026 · 4.08% APY · checked 5 times
3.58%4.08%4.58%Sep 29, 2026: 4.08% APYSep 29, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
12 Month Mini Money Maker Certificate of Deposit
$2,000
4.08% ▲ 0.94% above California avg
View
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.14%▲ 0.94% above avgNationally 2.99%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 7, 2026: 4.08% APYOct 7, 2026Oct 12, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month Certificate
$0
4.07% ▲ 0.93% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.14%▲ 0.93% above avgNationally 2.99%
Details

Balance: $500-$99,999

Rate History
1 change since Sep 21, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
3.26%3.92%4.57%Sep 21, 2026: 3.76% APYOct 9, 2026: 4.07% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.07%▲ from 3.76%
  • Sep 21, 20263.76%first recorded

Monte Sereno 18 Month CD Rates

California 18 Month CD Average3.10% APYNational 2.87%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.40% above avgNationally 2.87%
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%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 12, 2026
  • 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
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.40% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month senior jumbo cd
$50,000
4.45% ▲ 1.35% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.35% above avgNationally 2.87%
Details

senior

Rate History
1 change since Sep 29, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 29, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 29, 2026Oct 12, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 29, 20264.10%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 12, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%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
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.87%
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%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 12, 2026
  • 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
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 12, 2026
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
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.25% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month senior regular cd
$500
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.25% above avgNationally 2.87%
Details

senior

Rate History
1 change since Sep 29, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 29, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 29, 2026Oct 12, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 29, 20264.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month CD
$500
4.35% ▲ 1.25% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 1.25% above avgNationally 2.87%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Month Business Certificate Specials
$0
4.30% ▲ 1.20% above California avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 1.20% above avgNationally 2.87%
Details

Balance: $500

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYOct 1, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
  • Oct 1, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
AltaOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Traditional 18 Month Bump Certificate
$0
4.26% ▲ 1.16% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.10%▲ 1.16% above avgNationally 2.87%
Details

Balance: $250,000+; Term Share and Traditional, Roth & SEP IRA Certificates

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.26% ▲ 0.26 pts · high 4.26% / low 4.00%
3.50%4.13%4.76%Sep 14, 2026: 4.00% APYOct 4, 2026: 4.26% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.26%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
18-MONTH CD
$0
4.25% ▲ 1.15% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
IRA - 18-MONTH IRA CD
$1,000
4.25% ▲ 1.15% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
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
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Term: 18 months with Epic Premium Checking

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 12, 2026
  • 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 Certificate
$1,000
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 12, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
IRA Certificate 18 Month
$500
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month Share Certificate
$0
4.25% ▲ 1.15% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
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
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 12, 2026
  • 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
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

CD Special; Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Month IRA Certificates
$500
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

The promotional 18-month Certificate offers a dividend rate of 4.169%, with an Annual Percentage Yield (APY) of 4.250%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18-Months Promotional Term
$1,000
4.25% ▲ 1.15% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

The promotional 18-month Certificate offers a dividend rate of 4.169%, with an Annual Percentage Yield (APY) of 4.250%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-MONTH CD
$500
4.25% ▲ 1.15% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 1.15% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 12, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.20% ▲ 1.10% above California avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 1.10% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 12, 2026
GBC International Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Platinum TCD
$0
4.18% ▲ 1.08% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.08% above avgNationally 2.87%
Details

Terms and Conditions

Rate History
1 change since Sep 7, 2026 · 4.08% → 4.18% ▲ 0.10 pts · high 4.18% / low 4.08%
3.58%4.13%4.68%Sep 7, 2026: 4.08% APYSep 19, 2026: 4.18% APYSep 7, 2026Oct 12, 2026
  • Sep 19, 20264.18%▲ from 4.08%
  • Sep 7, 20264.08%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17% ▲ 1.07% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.10%▲ 1.07% above avgNationally 2.87%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 12, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.10%▲ 1.05% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month regular cd
$500
4.15% ▲ 1.05% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.05% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.15% ▲ 1.05% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 1.05% above avgNationally 2.87%
Details

CD Special; Balance: $50,000 - $99,999

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
AltaOne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Traditional 18 Month Bump Certificate
$0
4.11% ▲ 1.01% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.10%▲ 1.01% above avgNationally 2.87%
Details

Balance: $500-$249,999; Term Share and Traditional, Roth & SEP IRA Certificates

Rate History
No change since Oct 4, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 4, 2026: 4.11% APYOct 4, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
18 Month Jumbo Certificates of Deposit
$0
4.08% ▲ 0.98% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.10%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 4.08% APY · checked 5 times
3.58%4.08%4.58%Sep 29, 2026: 4.08% APYSep 29, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
18 Month Mini Money Maker Certificate of Deposit
$2,000
4.08% ▲ 0.98% above California avg
View
▼
Rate4.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.10%▲ 0.98% above avgNationally 2.87%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 7, 2026: 4.08% APYOct 7, 2026Oct 12, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month Share Certificate
$0
4.05% ▲ 0.95% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.95% above avgNationally 2.87%
Details

Balance: $200,000.00 +

Rate History
No change since Oct 5, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 5, 2026: 4.05% APYOct 5, 2026Oct 12, 2026
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
18 Month IRA Certificate
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
18-month Certificate - GoldStar Membership
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Balance: $5+

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month Share Certificate
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Balance: $90,000.00 - $199,999.99

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.90% above California avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.90% above California avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

CD Special; Balance: $1,000 - $49,999

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 18 Month
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month IRA Certificates - Jumbo
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month Share Certificates - Jumbo
$0
4.00% ▲ 0.90% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Month Term Certificates
$0
3.98% ▲ 0.88% above California avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 12, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Traditional Certificates - 18 Months
$0
3.98% ▲ 0.88% above California avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.10%▲ 0.88% above avgNationally 2.87%
Details

> $90,000

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 12, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month Share Certificate
$0
3.95% ▲ 0.85% above California avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.85% above avgNationally 2.87%
Details

Balance: $50,000.00 - $89,999.99

Rate History
No change since Oct 5, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 5, 2026: 3.95% APYOct 5, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.85% above California avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.85% above California avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.10%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month IRA Certificates - Gold
$0
3.95% ▲ 0.85% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month Share Certificates - Gold
$0
3.95% ▲ 0.85% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.10%▲ 0.85% above avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 12, 2026

Monte Sereno 24 Month CD Rates

California 24 Month CD Average2.99% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2 Year Consumer Certificate of Deposit
$500
4.60% ▲ 1.61% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.99%▲ 1.61% above avgNationally 2.88%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
3.90%4.50%5.10%Sep 14, 2026: 4.40% APYOct 8, 2026: 4.60% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.60%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
24 Month Certificate
$1,000
4.50% ▲ 1.51% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45% ▲ 1.46% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.99%▲ 1.46% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45% ▲ 1.46% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.99%▲ 1.46% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month elite jumbo cd
$250,000
4.45% ▲ 1.46% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.40% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 12, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 12, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month CD
$500
4.40% ▲ 1.41% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 12, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CD
$0
4.35% ▲ 1.36% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.99%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 12, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month Certificate
$0
4.33% ▲ 1.34% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.34% above avgNationally 2.88%
Details

Balance: $100,000 +

Rate History
1 change since Sep 21, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 21, 2026: 4.07% APYOct 9, 2026: 4.33% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.33%▲ from 4.07%
  • Sep 21, 20264.07%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Share Certificate
$0
4.30% ▲ 1.31% above California avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
California Average2.99%▲ 1.31% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month jumbo cd
$50,000
4.30% ▲ 1.31% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.31% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
24-MONTH CD
$0
4.25% ▲ 1.26% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
24-MONTH IRA CD
$0
4.25% ▲ 1.26% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
2 Year Term Share Certificate
$500
4.25% ▲ 1.26% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Term: 2 years with Epic Premium Checking

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 12, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24 Month Certificate
$1,000
4.25% ▲ 1.26% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 12, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2 Year IRA Certificate
$0
4.25% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-MONTH CD
$500
4.25% ▲ 1.26% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month Certificate
$0
4.23% ▲ 1.24% above California avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.24% above avgNationally 2.88%
Details

Balance: $500-$99,999

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.23% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.23%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month regular cd
$500
4.20% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.21% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 Month Certificate
$500
4.20% ▲ 1.21% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.21% above avgNationally 2.88%
Details

Minimum balance for all Certificates and IRA Certificates is $500.

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 Month Term Certificates
$0
4.20% ▲ 1.21% above California avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.21% above avgNationally 2.88%
Details

Balance: $500+; APY**

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
24 Month Jumbo Certificates of Deposit
$0
4.13% ▲ 1.14% above California avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.99%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 29, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 29, 2026: 4.13% APYSep 29, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
24 Month Mini Money Maker Certificate of Deposit
$2,000
4.13% ▲ 1.14% above California avg
View
▼
Rate4.05%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average2.99%▲ 1.14% above avgNationally 2.88%
Details

Balance: $2,000.00 to $9,999.99

Rate History
No change since Oct 7, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 7, 2026: 4.13% APYOct 7, 2026Oct 12, 2026
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
1-2 Year Share Certificate
$0
4.13% ▲ 1.14% above California avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.14% above avgNationally 2.88%
Details

Balance: $250,000 and over

Rate History
No change since Oct 5, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 5, 2026: 4.13% APYOct 5, 2026Oct 12, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Term Certificate
$0
4.11% ▲ 1.12% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.99%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 1.11% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 12, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Business Certificate 2 year
$0
4.07% ▲ 1.08% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.08% above avgNationally 2.88%
Details

Balance: $200,000.00 and over

Rate History
No change since Sep 30, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 30, 2026: 4.07% APYSep 30, 2026Oct 12, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 2 year
$0
4.07% ▲ 1.08% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.08% above avgNationally 2.88%
Details

Balance: $200,000.00+

Rate History
No change since Oct 6, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 6, 2026: 4.07% APYOct 6, 2026Oct 12, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Traditional Certificate 2 year
$0
4.07% ▲ 1.08% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.08% above avgNationally 2.88%
Details

Balance: $200,000.00 and over; Traditional Share Certificate

Rate History
No change since Sep 30, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 30, 2026: 4.07% APYSep 30, 2026Oct 12, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.05% ▲ 1.06% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.06% above avgNationally 2.88%
Details

Balance: $200,000.00 +

Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 21, 2026: 4.05% APYSep 21, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 1.06% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.06% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus Certificates
$0
4.02% ▲ 1.03% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.03% above avgNationally 2.88%
Details

Balance: 24 Month

Rate History
2 changes since Sep 21, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 21, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 21, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus IRA Certificate
$0
4.02% ▲ 1.03% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.03% above avgNationally 2.88%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 12, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Share Certificate & SEP Plan - Certificate 2 year
$0
4.02% ▲ 1.03% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.03% above avgNationally 2.88%
Details

Balance: $100,000.00 - $199,999.99

Rate History
No change since Oct 6, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 6, 2026: 4.02% APYOct 6, 2026Oct 12, 2026
SESLOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Traditional Certificate 2 year
$0
4.02% ▲ 1.03% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.03% above avgNationally 2.88%
Details

Balance: $100,000.00 - $199,999.99; Traditional Share Certificate

Rate History
No change since Sep 30, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 30, 2026: 4.02% APYSep 30, 2026Oct 12, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.00% ▲ 1.01% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
2 Year Term Share Certificate
$500
4.00% ▲ 1.01% above California avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 12, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYSep 25, 2026: 3.75% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.00%▲ from 3.75%
  • Sep 25, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
24-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.01% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Balance: $5+

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2 Year Regular Certificate
$1,000
4.00% ▲ 1.01% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.00% ▲ 1.01% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Balance: $90,000.00 - $199,999.99

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00% ▲ 1.01% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.01% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 1.01% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 1.01% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 24 Month
$0
4.00% ▲ 1.01% above California avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month IRA Certificates - Jumbo
$0
4.00% ▲ 1.01% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Share Certificates - Jumbo
$0
4.00% ▲ 1.01% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Month Term Certificates
$0
3.98% ▲ 0.99% above California avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average2.99%▲ 0.99% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 12, 2026
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
2 Year Certificate
$1,000
3.97% ▲ 0.98% above California avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average2.99%▲ 0.98% above avgNationally 2.88%
Details

Minimum = $1,000

Rate History
1 change since Sep 12, 2026 · 2.32% → 3.97% ▲ 1.65 pts · high 3.97% / low 2.32%
0.67%3.15%5.62%Sep 12, 2026: 2.32% APYOct 8, 2026: 3.97% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20263.97%▲ from 2.32%
  • Sep 12, 20262.32%first recorded

Monte Sereno 36 Month CD Rates

California 36 Month CD Average3.02% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
36 Month Certificate
$1,000
4.50% ▲ 1.48% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 1.48% above avgNationally 2.81%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month elite jumbo cd
$250,000
4.50% ▲ 1.48% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.48% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
36 Month Deferred Compensation Certificate
$50
4.40% ▲ 1.38% above California avg
View
▼
Rate4.31%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.38% above avgNationally 2.81%
Details

payroll deposit only

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month jumbo cd
$50,000
4.35% ▲ 1.33% above California avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
36-MONTH CD
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▲ 1.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
36-MONTH IRA CD
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.02%▲ 1.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Online CD
$25,000
4.25% ▲ 1.23% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.02%▲ 1.23% above avgNationally 2.81%
Details

Compounded Daily; Early Withdrawal Penalty

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 28, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 28, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Year Term Share Certificate
$500
4.25% ▲ 1.23% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.02%▲ 1.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 12, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
3 Year Share Certificate
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.02%▲ 1.23% above avgNationally 2.81%
Details

3 years (1x Bump Up)

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
3 Year Traditional IRA Share Certificate
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.02%▲ 1.23% above avgNationally 2.81%
Details

1x Bump Up; IRA Share Certificates (Traditional, Roth, & Coverdell)

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Certificate
$1,000
4.25% ▲ 1.23% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.02%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 12, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
36 Month Share Certificate
$0
4.25% ▲ 1.23% above California avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
California Average3.02%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month regular cd
$500
4.25% ▲ 1.23% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.13% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 1.13% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 12, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
3 Years Add-On Certificate
$0
4.15% ▲ 1.13% above California avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 1.13% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.08% above California avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 1.08% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.08% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
3 Year Certificate
$1,000
4.07% ▲ 1.05% above California avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.02%▲ 1.05% above avgNationally 2.81%
Details

Minimum = $1,000; APY range: 4.07% - **4.28%

Rate History
1 change since Sep 12, 2026 · 2.53% → 4.07% ▲ 1.54 pts · high 4.07% / low 2.53%
0.99%3.30%5.61%Sep 12, 2026: 2.53% APYOct 8, 2026: 4.07% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.07%▲ from 2.53%
  • Sep 12, 20262.53%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month Certificate
$0
4.07% ▲ 1.05% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.05% above avgNationally 2.81%
Details

Balance: $100,000 +

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 12, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.05% ▲ 1.03% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.03% above avgNationally 2.81%
Details

Balance: $200,000.00 +

Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 21, 2026: 4.05% APYSep 21, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.03% above California avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.03% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
36 Month Jumbo Certificate
$100,000
4.05% ▲ 1.03% above California avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus Certificates
$0
4.02% ▲ 1.00% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.00% above avgNationally 2.81%
Details

Balance: 36 Month

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus IRA Certificate
$0
4.02% ▲ 1.00% above California avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 1.00% above avgNationally 2.81%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 12, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
36-month Certificate - GoldStar Membership
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Balance: $5+

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Year IRA Certificate
$0
4.00% ▲ 0.98% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Balance: $90,000.00 - $199,999.99

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
36 month bump
$250
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
36 Month Certificate
$500
4.00% ▲ 0.98% above California avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month IRA Certificates - Jumbo
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Share Certificates - Jumbo
$0
4.00% ▲ 0.98% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.98% above avgNationally 2.81%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month Certificate
$0
3.97% ▲ 0.95% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.95% above avgNationally 2.81%
Details

Balance: $500-$99,999

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 4 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 12, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.95% ▲ 0.93% above California avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.93% above avgNationally 2.81%
Details

Balance: $50,000.00 - $89,999.99

Rate History
No change since Sep 21, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 21, 2026: 3.95% APYSep 21, 2026Oct 12, 2026
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3-Year Share Certificate
$0
3.95% ▲ 0.93% above California avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.93% above avgNationally 2.81%
Details

Balance: $100,000 - $249,999.99

Rate History
1 change since Sep 21, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 21, 2026: 3.45% APYOct 5, 2026: 3.95% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20263.95%▲ from 3.45%
  • Sep 21, 20263.45%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95% ▲ 0.93% above California avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.93% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 0.93% above California avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month IRA Certificates - Gold
$0
3.95% ▲ 0.93% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Share Certificates - Gold
$0
3.95% ▲ 0.93% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 12, 2026
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
36-Month Term Share Certificate
$0
3.91% ▲ 0.89% above California avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 5 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 12, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
36-month Certificate
$0
3.90% ▲ 0.88% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Balance: $500+

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 12, 2026
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.90% ▲ 0.88% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 21, 2026: 3.90% APYSep 21, 2026Oct 12, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Certificate
$0
3.90% ▲ 0.88% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90% ▲ 0.88% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90% ▲ 0.88% above California avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month IRA Certificates - Silver
$0
3.90% ▲ 0.88% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 27, 2026: 3.90% APYSep 27, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Share Certificates - Silver
$0
3.90% ▲ 0.88% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 27, 2026: 3.90% APYSep 27, 2026Oct 12, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
36 Month Jumbo Certificate
$0
3.90% ▲ 0.88% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.02%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 22, 2026: 3.90% APYSep 22, 2026Oct 12, 2026

Monte Sereno 48 Month CD Rates

California 48 Month CD Average3.03% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month elite jumbo cd
$250,000
4.75% ▲ 1.72% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 1.72% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
48 Month Jumbo Certificate
$100,000
4.30% ▲ 1.27% above California avg
View
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
4 Year Certificate
$1,000
4.28% ▲ 1.25% above California avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.03%▲ 1.25% above avgNationally 2.81%
Details

Minimum = $1,000; APY range: 4.28% - **4.49%

Rate History
1 change since Sep 12, 2026 · 2.53% → 4.28% ▲ 1.75 pts · high 4.28% / low 2.53%
0.78%3.41%6.03%Sep 12, 2026: 2.53% APYOct 8, 2026: 4.28% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.28%▲ from 2.53%
  • Sep 12, 20262.53%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
48-MONTH CD
$0
4.25% ▲ 1.22% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
48-MONTH IRA CD
$0
4.25% ▲ 1.22% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
4 Year Term Share Certificate
$500
4.25% ▲ 1.22% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.03%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 12, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
48 Month Certificate
$1,000
4.25% ▲ 1.22% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.03%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 12, 2026
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
48 Month Certificate
$500
4.25% ▲ 1.22% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
48 Month Promo Certificate
$1,000
4.25% ▲ 1.22% above California avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.22% above avgNationally 2.81%
Details

Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 12, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
48 Month Share Certificate
$0
4.20% ▲ 1.17% above California avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
California Average3.03%▲ 1.17% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month regular cd
$500
4.20% ▲ 1.17% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 1.17% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Certificate
$0
4.07% ▲ 1.04% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 1.04% above avgNationally 2.81%
Details

Balance: $100,000 +

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 12, 2026
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
48-Month Term Share Certificate
$0
4.06% ▲ 1.03% above California avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month IRA Certificates - Jumbo
$0
4.05% ▲ 1.02% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.02% above avgNationally 2.81%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Share Certificates - Jumbo
$0
4.05% ▲ 1.02% above California avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 1.02% above avgNationally 2.81%
Details

Over $90,000

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
48 Month IRA Certificate
$0
4.00% ▲ 0.97% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.03%▲ 0.97% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
48-month Certificate - GoldStar Membership
$0
4.00% ▲ 0.97% above California avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.03%▲ 0.97% above avgNationally 2.81%
Details

Balance: $5+

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
SRI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4 Year IRA Certificate
$0
4.00% ▲ 0.97% above California avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.97% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month IRA Certificates - Gold
$0
4.00% ▲ 0.97% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.97% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Share Certificates - Gold
$0
4.00% ▲ 0.97% above California avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.97% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 12, 2026
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Certificate
$0
3.97% ▲ 0.94% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.94% above avgNationally 2.81%
Details

Balance: $500-$99,999

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 4 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus Certificates
$0
3.97% ▲ 0.94% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.94% above avgNationally 2.81%
Details

Balance: 48 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus IRA Certificate
$0
3.97% ▲ 0.94% above California avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.94% above avgNationally 2.81%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month IRA Certificates - Silver
$0
3.95% ▲ 0.92% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Share Certificates - Silver
$0
3.95% ▲ 0.92% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Oct 12, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Jumbo Certificate
$0
3.95% ▲ 0.92% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 22, 2026: 3.95% APYSep 22, 2026Oct 12, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Jumbo IRA Certificate
$0
3.95% ▲ 0.92% above California avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.92% above avgNationally 2.81%
Details

APY= Annual Percentage Yield. Rates subject to change without notice.

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Share Certificates 48 Months
$0
3.91% ▲ 0.88% above California avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.88% above avgNationally 2.81%
Details

Balance: $10,000

Rate History
No change since Sep 18, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Sep 18, 2026: 3.91% APYSep 18, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.90% ▲ 0.87% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
4 Year Certificate
$200
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 12, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
4 Year IRA Step Up Certificate
$200
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 12, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
Step Up Certificates - 4 Year
$200
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 12, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
48-month Certificate
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Balance: $500+

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 12, 2026
Vida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
4 year certificate
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
Vida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
IRA Certificate (48 mo)
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
4 Years Share Certificate
$500
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Traditional IRA Certificate - 4 Years
$5
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

IRA Certificates - Traditional & Roth

Rate History
No change since Oct 9, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 12, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Certificate
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month IRA Certificates - Bronze
$100
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 27, 2026: 3.90% APYSep 27, 2026Oct 12, 2026
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Share Certificates - Bronze Minimum - 48 month
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 18, 2026: 3.70% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20263.90%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Share Certificate
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 22, 2026: 3.90% APYSep 22, 2026Oct 12, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Regular IRA Certificate - 48 Month
$0
3.90% ▲ 0.87% above California avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
IRA Share Certificates1 - 48 Months
$0
3.86% ▲ 0.83% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.83% above avgNationally 2.81%
Details

Platinum APR* / APY**

Rate History
No change since Oct 6, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 6, 2026: 3.86% APYOct 6, 2026Oct 12, 2026
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Share Certificates 48 Months
$0
3.86% ▲ 0.83% above California avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.83% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 18, 2026 · 3.86% APY · checked 3 times
3.36%3.86%4.36%Sep 18, 2026: 3.86% APYSep 18, 2026Oct 12, 2026
Sun Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Jumbo 48 Month CD
$0
3.85% ▲ 0.82% above California avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.03%▲ 0.82% above avgNationally 2.81%
Details

Minimum balance of $100,000 is required to open, maintain and earn dividends. Fixed rate.

Rate History
No change since Oct 4, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 4, 2026: 3.85% APYOct 4, 2026Oct 12, 2026
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
48 Month Jumbo Certificates of Deposit
$0
3.82% ▲ 0.79% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
California Average3.03%▲ 0.79% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 29, 2026: 3.82% APYSep 29, 2026Oct 12, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificate
$0
3.81% ▲ 0.78% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.78% above avgNationally 2.81%
Details

Balance: $2,500

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 48 Month
$0
3.81% ▲ 0.78% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.03%▲ 0.78% above avgNationally 2.81%
Details

Balance: $2,000

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 12, 2026
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
IRA Share Certificates1 - 48 Months
$0
3.81% ▲ 0.78% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.78% above avgNationally 2.81%
Details

Gold APR* / APY**

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 12, 2026
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Share Certificates 48 Months
$0
3.81% ▲ 0.78% above California avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.03%▲ 0.78% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 18, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Sep 18, 2026: 3.81% APYSep 18, 2026Oct 12, 2026

Monte Sereno 60 Month CD Rates

California 60 Month CD Average3.20% APYNational 2.90%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month elite jumbo cd
$250,000
4.75% ▲ 1.55% above California avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.55% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
60 Month Jumbo Certificate
$100,000
4.55% ▲ 1.35% above California avg
View
▼
Rate4.46%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.20%▲ 1.35% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.55% APY · checked 5 times
4.05%4.55%5.05%Sep 18, 2026: 4.55% APYSep 18, 2026Oct 12, 2026
Malaga Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Online CD
$25,000
4.50% ▲ 1.30% above California avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.20%▲ 1.30% above avgNationally 2.90%
Details

Compounded Daily; Early Withdrawal Penalty

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 28, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Sep 28, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
5 Year Certificate
$1,000
4.50% ▲ 1.30% above California avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.20%▲ 1.30% above avgNationally 2.90%
Details

Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 12, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
5-year Term Share Certificate
$500
4.50% ▲ 1.30% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.20%▲ 1.30% above avgNationally 2.90%
Details

Term: 5 years with Epic Premium Checking

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 4, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 4, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Deferred Compensation Certificate
$50
4.50% ▲ 1.30% above California avg
View
▼
Rate4.40%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.30% above avgNationally 2.90%
Details

payroll deposit only

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 12, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Flexible Certificate
$500
4.50% ▲ 1.30% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.30% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Regular CD
$500
4.50% ▲ 1.30% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.30% above avgNationally 2.90%
Details

Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change.

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Months Certificate
$500
4.50% ▲ 1.30% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.30% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month regular cd
$500
4.50% ▲ 1.30% above California avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.30% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
60 Month Certificate
$500
4.50% ▲ 1.30% above California avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.20%▲ 1.30% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month IRA Certificates
$0
4.40% ▲ 1.20% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.20% above avgNationally 2.90%
Details

Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date.

Rate History
No change since Oct 9, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 9, 2026: 4.40% APYOct 9, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.40% ▲ 1.20% above California avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.20% above avgNationally 2.90%
Details

Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 29, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
5 Year Certificate
$1,000
4.39% ▲ 1.19% above California avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.20%▲ 1.19% above avgNationally 2.90%
Details

Minimum = $1,000; APY range: 4.39% - ** 4.59%

Rate History
1 change since Sep 12, 2026 · 2.53% → 4.39% ▲ 1.86 pts · high 4.39% / low 2.53%
0.67%3.46%6.25%Sep 12, 2026: 2.53% APYOct 8, 2026: 4.39% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.39%▲ from 2.53%
  • Sep 12, 20262.53%first recorded
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
4.35% ▲ 1.15% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
California Average3.20%▲ 1.15% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month IRA Certificates
$0
4.35% ▲ 1.15% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.15% above avgNationally 2.90%
Details

Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date.

Rate History
No change since Oct 9, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 9, 2026: 4.35% APYOct 9, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.35% ▲ 1.15% above California avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.15% above avgNationally 2.90%
Details

Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 29, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate Accounts
$500
4.35% ▲ 1.15% above California avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.15% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 9, 2026: 4.35% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate
$500
4.35% ▲ 1.15% above California avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.15% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Roth IRA Certificate
$0
4.33% ▲ 1.13% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Sep 22, 2026: 4.33% APYSep 22, 2026Oct 12, 2026
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Traditional IRA Certificate - 60 months
$0
4.33% ▲ 1.13% above California avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month IRA Certificates
$0
4.30% ▲ 1.10% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.10% above avgNationally 2.90%
Details

Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date.

Rate History
No change since Oct 9, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 9, 2026: 4.30% APYOct 9, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Share Certificates
$0
4.30% ▲ 1.10% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.10% above avgNationally 2.90%
Details

Balance: $250,000 Minimum Balance (Jumbo)

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.30%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.30% ▲ 1.10% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.10% above avgNationally 2.90%
Details

Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • 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%
Share Certificates - 60 Months
$0
4.30% ▲ 1.10% above California avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.10% above avgNationally 2.90%
Details

Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.30%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
60-MONTH CD
$0
4.25% ▲ 1.05% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
60-MONTH IRA CD
$0
4.25% ▲ 1.05% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
5-year Term Share Certificate
$500
4.25% ▲ 1.05% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 18, 2026: 3.75% APYOct 4, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 4, 20264.25%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Rize Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
60 Month IRA Certificate
$0
4.25% ▲ 1.05% above California avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month Certificate
$1,000
4.25% ▲ 1.05% above California avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 12, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
IRA Certificate 60 Month
$500
4.25% ▲ 1.05% above California avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month IRA Certificates
$0
4.25% ▲ 1.05% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date.

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Share Certificates
$0
4.25% ▲ 1.05% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Balance: $100,000 Minimum Balance (Jumbo)

Rate History
1 change since Sep 21, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 21, 2026: 4.05% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.25%▲ from 4.05%
  • Sep 21, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.25% ▲ 1.05% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • 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%
Share Certificates - 60 Months
$0
4.25% ▲ 1.05% above California avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.05% above avgNationally 2.90%
Details

Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • 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%
60 Month IRA Certificates
$0
4.20% ▲ 1.00% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.00% above avgNationally 2.90%
Details

Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date.

Rate History
No change since Oct 9, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 9, 2026: 4.20% APYOct 9, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Share Certificates
$0
4.20% ▲ 1.00% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.00% above avgNationally 2.90%
Details

Balance: $50,000 Minimum Balance

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 Months
$0
4.20% ▲ 1.00% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.00% above avgNationally 2.90%
Details

Balance: $500.00 - $19,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • 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%
Share Certificates - 60 Months
$0
4.20% ▲ 1.00% above California avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 1.00% above avgNationally 2.90%
Details

Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
AdelFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
60 Month Ministry - Business Term Share Certificate
$100,000
4.20% ▲ 1.00% above California avg
View
▼
Rate4.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.20%▲ 1.00% above avgNationally 2.90%
Details

$100,000; Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.

Rate History
No change since Oct 1, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 1, 2026: 4.20% APYOct 1, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
4.15% ▲ 0.95% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.20%▲ 0.95% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
4.15% ▲ 0.95% above California avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
California Average3.20%▲ 0.95% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 2, 2026: 4.00% APYOct 7, 2026: 4.15% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20264.15%▲ from 4.00%
  • Oct 2, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
60 Month Share Certificate
$0
4.15% ▲ 0.95% above California avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 5, 2026
California Average3.20%▲ 0.95% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Share Certificates
$0
4.15% ▲ 0.95% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 0.95% above avgNationally 2.90%
Details

Balance: $20,000 Minimum Balance

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.15%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Share Certificates - 60 Months
$0
4.15% ▲ 0.95% above California avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 0.95% above avgNationally 2.90%
Details

Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 14, 2026: 3.95% APYSep 29, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.15%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
AdelFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
60 Month Ministry - Business Term Share Certificate
$50,000
4.15% ▲ 0.95% above California avg
View
▼
Rate4.07%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.20%▲ 0.95% above avgNationally 2.90%
Details

$50,000; Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.

Rate History
No change since Oct 1, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 1, 2026: 4.15% APYOct 1, 2026Oct 12, 2026
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
60 Month Share Certificates
$0
4.10% ▲ 0.90% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 0.90% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 12, 2026
  • Oct 5, 20264.10%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Share Certificates - 60 Months
$0
4.10% ▲ 0.90% above California avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 0.90% above avgNationally 2.90%
Details

Balance: $500.00 - $19,999.99

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYSep 29, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 0.90% above California avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
California Average3.20%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
AdelFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
60 Month Ministry - Business Term Share Certificate
$10,000
4.10% ▲ 0.90% above California avg
View
▼
Rate4.02%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
California Average3.20%▲ 0.90% above avgNationally 2.90%
Details

$10,000; Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificates. No additional deposits can be made during the term of the Term Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.

Rate History
No change since Oct 1, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 1, 2026: 4.10% APYOct 1, 2026Oct 12, 2026
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.

Top CD Rates from Monte Sereno, California Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Happen Bank
2 Year Consumer Certificate of Deposit
A+ 5.0 ★ TX: 2.06%
Min: $500
4.60%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Malaga Bank
5 Year Online CD
A+ 5.0 ★ TX: 0.00%
Min: $25,000
4.50%
HSBC Bank USA
24 Month CD
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.45%
Monterey County Bank
12-Month CD Special
A+ 5.0 ★ TX: 4.07%
Min: $100,000
4.44%
CU Top 5 Credit Union Rates
Schools Federal Credit Union
12 Month Relationship Certificate
A+ 5.0 ★ TX: 1.87%
Min: $0
5.90%
Sage Credit Union
12 Month Pathfinder Term Share Certificate
A+ 5.0 ★ TX: 5.70%
Min: $100
5.00%
LA Healthcare Federal Credit Union
12 Month Certificates
A+ 5.0 ★ TX: 3.47%
Min: $0
5.00%
Skyla Federal Credit Union
48 Month elite jumbo cd
A 5.0 ★ TX: 9.56%
Min: $250,000
4.75%
Stanford Federal Credit Union
12-Month Certificate
A+ 5.0 ★ TX: 1.30%
Min: $100
4.70%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Monte Sereno, CA CD Rate Trends

Compare local Monte Sereno, 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.

View Full California CD Trends
12-Month CD CA Avg
3.145%
▲ 0.034 vs 7 days ago

California 12-month CD rates rose 0.034 points over the past 7 days to 3.145% APY.

6-Month CD CA Avg
2.947%
▲ 0.008 vs 7 days ago

California 6-month CD rates rose 0.008 points over the past 7 days to 2.947% APY.

As of Oct 12, 2026 • Rate data sourced from 8,500+ monitored institutions

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
3.145%
6-Month Forecast
3.145%
Range: 2.95%, 3.30%
12-Month Forecast
3.395%
Range: 3.20%, 3.55%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the California average 12-month CD APY in our database.

Spread model: The California 12-month CD average currently trades 1.23% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.387% $119.36 $238.72 $596.80 $1,193.60
6-Month CD 2.947% $147.34 $294.68 $736.70 $1,473.40
12-Month CD 3.145% $157.24 $314.48 $786.20 $1,572.40
18-Month CD 3.098% $154.90 $309.79 $774.48 $1,548.95
24-Month CD 2.989% $149.43 $298.85 $747.13 $1,494.25
36-Month CD 3.018% $150.88 $301.75 $754.38 $1,508.75
48-Month CD 3.034% $151.71 $303.42 $758.55 $1,517.10
60-Month CD 3.199% $159.95 $319.91 $799.78 $1,599.55
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Monte Sereno, 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.

Build Your Ladder
Rung Term Deposit CA Avg APY Annual Earnings
1 3-Month CD $5,000 2.387% $119.36
2 6-Month CD $5,000 2.947% $147.34
3 12-Month CD $5,000 3.145% $157.24
4 24-Month CD $5,000 2.989% $149.43
5 36-Month CD $5,000 3.018% $150.88
Total ($25,000 invested) $25,000 2.897% blended $724.25/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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3,167
CD Rates
Tracked in Monte Sereno, California
28 Banks 97 Credit Unions

About Our Monte Sereno, California CD Rate Database

MonitorBankRates tracks 3,167 CD rates from 28 banks and 97 credit unions with locations in Monte Sereno, 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: Schools Federal Credit Union offers a CD at 5.90% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Monte Sereno, California.

How to Find the Best CD Rates in Monte Sereno, California

What to compare when shopping for a CD in Monte Sereno, California

To find the best APYs in Monte Sereno, California, start with credit unions and online-only banks: Monte Sereno, California has 97 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 Monte Sereno, 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 Monte Sereno, California: 125 institutions here report CD rates

Consider an Alternative If…

Monte Sereno, California Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
29.8%
National avg: 17.3%
Median Individual Earnings
$157,446
National avg: $47,340
Poverty Rate
1.2%
National avg: 11.1%
Unemployment Rate
6.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$495/yr
At CA 12-mo avg 3.145% APY

29.8% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 3.145%, saving 10% of the local median salary ($15,744/year) and putting it in a CD would earn an additional $495 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 Monte Sereno, 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 Monte Sereno, 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 Monte Sereno, 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 Monte Sereno, California as everywhere in the U.S.

Choosing a CD Term in Monte Sereno, 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 Monte Sereno, California savers easier access to their funds. For example, F&A Federal Credit Union is offering its 6 Month Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Skyla Federal Credit Union is offering its 60 Month elite jumbo cd at 4.75% 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 Monte Sereno, 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 Monte Sereno, 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 Monte Sereno, 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 Monte Sereno, 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 Monte Sereno, California

Most CDs carry a fixed rate that is locked for the entire term, protecting a Monte Sereno, 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 Monte Sereno, California

Are CD rates in Monte Sereno, California FDIC insured?

Yes, most established banks in Monte Sereno, 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 Monte Sereno, 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 Monte Sereno, 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 Monte Sereno, 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 Monte Sereno, California?

Here are recent top rates found for this area:
  • Schools Federal Credit Union: 5.90% APY (12 Month Relationship Certificate)
  • Sage Credit Union: 5.00% APY (12 Month Pathfinder Term Share Certificate)
  • LA Healthcare Federal Credit Union: 5.00% APY (12 Month Certificates)
  • Skyla Federal Credit Union: 4.75% APY (48 Month elite jumbo cd)
  • Stanford Federal Credit Union: 4.70% APY (12-Month Certificate)
  • Happen Bank: 4.60% APY (2 Year Consumer Certificate of Deposit)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Corazo Credit Union: 4.55% APY (60 Month Jumbo Certificate)
  • Malaga Bank: 4.50% APY (5 Year Online CD)
  • F&A Federal Credit Union: 4.50% APY (12 Month Certificate)
Rates reflect recent verified offers available in Monte Sereno, California. Last Updated: October 12, 2026

Monte Sereno, 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 Monte Sereno, 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.

Top Monte Sereno, California CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Monte Sereno, California. Averages shown use the California state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Monte Sereno, California

Monte Sereno, California CD Calculator

At today’s CA top rate of 5.90% APY, a $10,000 deposit earns $590 in the first year. Enter your amount to see your exact return.

Monte Sereno, California CD Ladder

CA CD rates currently range from 2.387% (3-month) to 3.018% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Monte Sereno, California CD at 5.90% 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 Savings

California’s average 12-month CD is 3.145% 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 Monte Sereno, 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 Monte Sereno, 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 Monte Sereno, 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 12, 2026

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