Current Old Station, California CD rates include Schools Federal Credit UnionSchools Federal Credit UnionA+5.0 ★Texas Ratio: 1.27%Real return: +3.10%APY minus CPI (February 2026) offering Relationship Certificate(12 months) at 5.90% APY, Corazo Credit UnionCorazo Credit UnionA5.0 ★Texas Ratio: 7.90%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month at 4.50% APY, CBC Federal Credit UnionCBC Federal Credit UnionA+5.0 ★Texas Ratio: 3.89%Real return: +1.45%APY minus CPI (February 2026) offering 1-Year IRA Term Share Certificates at 4.25% APY, Thinkwise Federal Credit UnionThinkwise Federal Credit UnionA+5.0 ★Texas Ratio: 3.14%Real return: +1.45%APY minus CPI (February 2026) offering Gen-T Term Share Certificate* 12 Months at 4.25% APY, and U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 4.34%Real return: +1.45%APY minus CPI (February 2026) offering 1 Year Starter Add-On at 4.25% APY. CD rates as of June 11, 2026 according to verified data from MonitorBankRates.
Old Station is a smaller community with no bank or credit union branches currently in our database. 796 institutions serving the California area are available to Old Station residents, with CD rates as high as 5.90% APY from Schools Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 11, 2026
Annual Percentage Yield. Term and Conditions apply. Click "Learn More" to see offer details.
Minimum to Open $1,000.00
Term Certificates (Minimum to Open $1,000.00)
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.57%; Non-Rewards+ Loyalty Program APY1: 2.60%
*APY: Annual Percentage Yield
$100,000 Minimum to Earn APY
Earn 3.55% APY on balances of $500 or more.
AA, C, G, MM
C, DDD, MM
balances $10,000 - $100,000
$100,000 per member maximum
$100,000 per member maximum
Funding Limit*: $12M
IRA not Eligible
A minimum deposit of $1,000 is required to open a CD | Rates subject to change | Member FDIC
Requires a minimum $20,000 deposit of new money. Promotion period: Effective immediately through June 30, 2026.
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
New Money Only
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
$100,000 and over
$50,000 - $99,999.99
New Money Only; 3.75% APY?balances $100,000+
Annual Percentage Yield. Term and Conditions apply. Click "Learn More" to see offer details.
$1,000 - $49,999.99
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
$10,000
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
$10,000
$100
C, DDD, MM
AA, C, G, MM
Earn 3.50% APY on balances of $500 or more.
$10,000 - $49,999.99
Minimum to open & earn dividends: $100,000
Minimum to open & earn dividends: $50,000
Minimum to open & earn dividends: $1,000
Dividends paid annually and at maturity
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
$1,000 - $49,999.99
Non-Rewards+ Loyalty Program Dividend rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.10%
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 3.06%; Non-Rewards+ Loyalty Program APY1: 3.10%
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
Featured rate.
$100,000 Minimum to Earn APY
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 3.06%; Non-Rewards+ Loyalty Program APY1: 3.10%
Non-Rewards+ Loyalty Program Dividend rate: 3.06%; Non-Rewards+ Loyalty Program APY: 3.10%
$100
Dividends paid annually and at maturity
For a limited time only, pick your certificate term!
Limited Time Only. IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity.
$100,000 and over
$50,000 - $99,999.99
$10,000 - $49,999.99
$100,000 and over
$50,000 - $99,999.99
$1,000 - $49,999.99
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Minimum to open & earn dividends: $100,000
Minimum to open & earn dividends: $100,000
Platinum APR* / APY**
Gold APR* / APY**
$100
Minimum to open & earn dividends: $50,000
Minimum to open & earn dividends: $50,000
Minimum to open & earn dividends: $500
Minimum to open & earn dividends: $1,000
Silver APR* / APY**
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
$100,000 and over
$50,000 - $99,999.99
$1,000 - $49,999.99
Platinum APR* / APY**
$100,000 Minimum to Earn APY
Gold APR* / APY**
Silver APR* / APY**
$100
Standard APR* / APY**
Minimum to open & earn dividends: $100,000
Minimum to open & earn dividends: $100,000
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Platinum APR* / APY**
Gold APR* / APY**
Silver APR* / APY**
$100
Standard APR* / APY**
Minimum to open & earn dividends: $100,000
Minimum to open & earn dividends: $100,000
Minimum to open & earn dividends: $50,000
Minimum to open & earn dividends: $50,000
Minimum to open & earn dividends: $500
Minimum to open & earn dividends: $1,000
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution. Rates subject to change at any time. Funds must remain on deposit until maturity to earn the stated APY. Penalty may be imposed for early withdrawal. Early withdrawal penalty will be equal to one-half of the term's dividends on the amount withdrawn, whether earned or not, and may reduce principal. No maximum deposit.
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.
Term Certificates (Minimum to Open $1,000.00)
Minimum to Open $1,000.00
$100,000 Minimum to Earn APY
$100,000 Minimum to Earn APY
$100,000 and over
$50,000 - $99,999.99
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%
Rate is 0.100% APY lower for non-GoldStar? members
$100,000 and over
$10,000 - $49,999.99
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.96%; Non-Rewards+ Loyalty Program APY1: 3.00%
Platinum APR* / APY**
$50,000 - $99,999.99
Gold APR* / APY**
$500 minimum balance
$1,000 - $49,999.99
Silver APR* / APY**
APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
Standard APR* / APY**
Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates.
$100
Compare local Old Station, 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.
California 12-month CD rates fell 0.044 points over the past 7 days to 2.236% APY.
California 6-month CD rates fell 0.022 points over the past 7 days to 1.415% APY.
Where are California CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.016% | $50.79 | $101.58 | $253.95 | $507.90 |
| 6-Month CD | 1.415% | $70.73 | $141.45 | $353.63 | $707.25 |
| 12-Month CD | 2.236% | $111.81 | $223.61 | $559.03 | $1,118.05 |
| 18-Month CD | 2.604% | $130.20 | $260.40 | $651.00 | $1,302.00 |
| 24-Month CD | 2.625% | $131.24 | $262.48 | $656.20 | $1,312.40 |
| 36-Month CD | 2.665% | $133.24 | $266.48 | $666.20 | $1,332.40 |
| 48-Month CD | 2.666% | $133.29 | $266.58 | $666.45 | $1,332.90 |
| 60-Month CD | 2.817% | $140.84 | $281.67 | $704.18 | $1,408.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 11, 2026. | |||||
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.016% | $50.79 |
| 2 | 6-Month CD | $5,000 | 1.415% | $70.73 |
| 3 | 12-Month CD | $5,000 | 2.236% | $111.81 |
| 4 | 24-Month CD | $5,000 | 2.625% | $131.24 |
| 5 | 36-Month CD | $5,000 | 2.665% | $133.24 |
| Total ($25,000 invested) | $25,000 | 1.991% blended | $497.81/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.
MonitorBankRates tracks 1,207 CD rates from 18 banks and 96 credit unions with locations in Old Station, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Schools Federal Credit Union offers a CD at 5.90% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Old Station, California.
What to compare when shopping for a CD in Old Station, California
To find the best APYs in Old Station, California, start with credit unions and online-only banks — Old Station, California has 96 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.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
15.7% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 6.6% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 2.236%, saving 10% of the local median salary ($4,903/year) and putting it in a CD would earn an additional $110 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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 Old Station, 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 Old Station, California as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Old Station, California savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD Term at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Corazo Credit Union is offering its 60 Month at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
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 Old Station, 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.
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 Old Station, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Old Station, 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.
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.
Old Station, California CD LadderCA CD rates currently range from 1.016% (3-month) to 2.665% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Old Station, California CD at 5.90% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.236% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Old Station, 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 Old Station, 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 Old Station, 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.