CD Rates Oakland, California (CA) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Oakland, California CD rates include Self-Help Federal Credit UnionSelf-Help Federal Credit Union301 W Main St, Durham, NC 27701 3215A+5.0 ★Texas Ratio: 2.72% offering 1-Year Certificate at 3.82% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union14550 Aviation Blvd, Hawthorne, CA 90250B4.4 ★Texas Ratio: 21.76% offering IRA Certificate Term 18-Month Variable at 3.72% APY, Cathay BankCathay Bank777 N Broadway, Los Angeles, CA 90012A+5.0 ★Texas Ratio: 3.45% offering 6-Month Term CD at 3.65% APY, The Golden 1 Credit UnionThe Golden 1 Credit Union8945 Cal Center Dr, Sacramento, CA 95826 3239A+5.0 ★Texas Ratio: 5.42% offering 60 Month Term Savings Certificate Account at 3.55% APY, and Provident Credit UnionProvident Credit Union303 Twin Dolphin Dr, Redwood City, CA 94065 1497A+5.0 ★Texas Ratio: 0.96% offering 3 Month Pick-A-Term Certificates at 3.40% APY.
To help you find the best CD rates in Oakland, California, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 20, 2026
Oakland, CA CD Rate Trends
Compare local Oakland, CA CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — CA Avg
2.256%
▼ 0.852 from last week
California 12-month CD rates fell 0.852 points this week to 2.256% APY, down from 3.108% last week.
6-Month CD — CA Avg
1.485%
▼ 1.037 from last week
California 6-month CD rates fell 1.037 points this week to 1.485% APY, down from 2.522% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Best CD Rates in Oakland, California & the Surrounding Area
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
3 Month IRA Pick-A-Term Certificates
$10,000
3.40%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
3 Month Pick-A-Term Certificates
$10,000
3.40%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
8945 Cal Center Dr, Sacramento, CA 95826 3239
3 Month Term Savings Certificate Account
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1717 Main St, Dallas, TX 75201
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
87 W Alexander Ave, Merced, CA 95348 3404
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No minimum deposit.
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
330 5th Ave, New York, NY 10001
WooriWON 3-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Online Only
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3305 Steck Ave Ste 275, Austin, TX 78757
3 Month Certificate of Deposit
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Institution
Product
Min Deposit
APY
Profile
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
777 N Broadway, Los Angeles, CA 90012
6-Month Term CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
6 Month IRA Pick-A-Term Certificates
$10,000
3.25%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
6 Month Pick-A-Term Certificates
$10,000
3.25%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
8945 Cal Center Dr, Sacramento, CA 95826 3239
6 Month Term Savings Certificate Account
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month GoldStar? Membership Certificate
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 6-month GoldStar? Membership
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month Certificate
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 6-month
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
200 N Elm St, Waxahachie, TX 75165
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
LA Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
177 E Colorado Blvd Ste 900, Pasadena, CA 91105 1983
6-Month Certificate
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 14, 2026
Details
new funds (defined as money not currently on deposit with (CU SoCal); and funds must be received by March 26, 2026.
Vision One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
6 Month Savings Certificate
$250,000
4.00%
▼
Rate3.92%
Min Deposit$250,000
Min Balance—
UpdatedMar 15, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate of Deposit (IRA)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Institution
Product
Min Deposit
APY
Profile
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
301 W Main St, Durham, NC 27701 3215
1-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
777 N Broadway, Los Angeles, CA 90012
12-Month Term CD
$50,000
3.50%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
12 Month IRA Pick-A-Term Certificates
$10,000
3.30%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
303 Twin Dolphin Dr, Redwood City, CA 94065 1497
12 Month Pick-A-Term Certificates
$10,000
3.30%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
8945 Cal Center Dr, Sacramento, CA 95826 3239
12 Month Term Savings Certificate Account
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMar 15, 2026
Details
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
300 Arneill Rd, Camarillo, CA 93010
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
APY= Annual Percentage Yield. Stated rate is 4.169%. APY is accurate as of March 1, 2026. $500.00 minimum deposit required. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
12-month GoldStar? Membership Certificate
$5
4.25%
▼
Rate4.17%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 12-month GoldStar? Membership
$5
4.25%
▼
Rate4.17%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
12-month Certificate
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 12-month
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
8945 Cal Center Dr, Sacramento, CA 95826 3239
18 Month Term Savings Certificate Account
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month GoldStar? Membership Certificate
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 18-month GoldStar? Membership
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month Certificate
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 18-month
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA 90089
18-Month IRA Certificate
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
New Money Only. Available as a Traditional or Roth IRA.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 18 month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Jumbo 18 month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 18 month
$50,000
3.85%
▼
Rate3.78%
Min Deposit$50,000
Min Balance—
UpdatedMar 14, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Gold Minimum 18 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
$50,000
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
8945 Cal Center Dr, Sacramento, CA 95826 3239
24 Month Term Savings Certificate Account
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
24-month GoldStar? Membership Certificate
$5
4.05%
▼
Rate3.98%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 24-month GoldStar? Membership
$5
4.05%
▼
Rate3.98%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
24-month Certificate
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 24-month
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2580 W Shaw Ln, Fresno, CA 93711 2778
1-2 Year Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
301 W Main St, Durham, NC 27701 3215
3-Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
8945 Cal Center Dr, Sacramento, CA 95826 3239
36 Month Term Savings Certificate Account
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
36-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 36-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
36-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 36-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
8945 Cal Center Dr, Sacramento, CA 95826 3239
48 Month Term Savings Certificate Account
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 48-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 48-month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Jumbo 48 Month CD
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Jumbo 48 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Share Certificates - Jumbo 48 month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Over $90,000
Institution
Product
Min Deposit
APY
Profile
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
8945 Cal Center Dr, Sacramento, CA 95826 3239
60 Month Term Savings Certificate Account
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
60-month GoldStar? Membership Certificate
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
HavenTM Certificate 60-month GoldStar? Membership
$5
4.00%
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
60 MONTH CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1020 W Olive Ave, Burbank, CA 91506 2212
60 MONTH IRA CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo Certificates 60 Month
$50,000
4.00%
▼
Rate3.92%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Jumbo IRA Certificate 60 Month
$50,000
4.00%
▼
Rate3.92%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Frequently Asked Questions about CD Rates in Oakland, California
Are CD rates in Oakland, California FDIC insured?
Yes, most established banks in Oakland, 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 Oakland, 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 Oakland, 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 Oakland, 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 Oakland, California?
Here are recent top rates found for this area:
- Premier One Credit Union: 4.50% APY (24-month IRA Traditional & Roth Share Certificates)
- CBC Federal Credit Union: 4.25% APY (1-Year IRA Term Share Certificates)
- American United Federal Credit Union: 4.25% APY (12-month GoldStar? Membership Certificate)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
- Citizens National Bank of Texas: 4.04% APY (6 month CDs)
- Farmers Insurance Federal Credit Union: 4.00% APY (3-Month Certificate)
- LA Financial Federal Credit Union: 4.00% APY (6-Month Certificate)
- Woori America Bank: 4.00% APY (WooriWON 3-month CD)
- Media City Credit Union: 4.00% APY (60 MONTH CERTIFICATE)
Rates reflect recent verified offers available in Oakland, California. Last Updated: March 20, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Oakland, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Oakland, 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: March 20, 2026
