Sacramento, California Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Sacramento, California CD rates range from 0.01% to 5.90% APY, verified by MonitorBankRates as of October 28, 2026. Current Sacramento, California CD rates include SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union5210 Madison Ave, Sacramento, CA 95841A+5.0 ★Texas Ratio: 5.56%Real return: +0.80%APY minus CPIRate verified Oct 23, 2026 offering 60 Month Deferred Compensation Certificate at 4.50% APY, Beal Bank USABeal Bank USA2381 Fair Oaks Bouleard Suite 8, Sacramento, CA 95825A+5.0 ★Texas Ratio: 1.35%Real return: +0.70%APY minus CPIRate verified Oct 28, 2026 offering 24-Month CD at 4.40% APY, City National BankCity National Bank7311 Greenhaven Dr, Sacramento, CA 95831A+5.0 ★Texas Ratio: 5.55%Real return: +0.69%APY minus CPIRate verified Oct 26, 2026 offering Special 12-Month Fixed Rate CD at 4.39% APY, CitiCiti436 Howe Ave, Sacramento, CA 95825A+5.0 ★Texas Ratio: 2.82%Real return: +0.55%APY minus CPIRate verified Oct 26, 2026 offering 1 Year Fixed Rate CD at 4.25% APY, and Poppy BankPoppy Bank3660 Crocker Drive, Sacramento, CA 95818B+4.8 ★Texas Ratio: 16.92%Real return: +0.55%APY minus CPIRate verified Oct 26, 2026 offering 12-MONTH IRA CD at 4.25% APY. CD rates as of October 28, 2026 according to verified data from MonitorBankRates.
Sacramento has 316 local institutions in our database, with CD rates as high as 4.50% APY from SchoolsFirst Federal Credit Union at 5210 Madison Ave, Sacramento, CA 95841. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 28, 2026
Compare Best CD Rates in Sacramento, California & the Surrounding Area
Sacramento 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
Personal Certificate of Deposit - 3-Month CD
$0
4.25%
▲ 1.82% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.82% above avgNationally 2.12%
Details
Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2381 Fair Oaks Bouleard Suite 8, Sacramento, CA 95825
3-Month CD
$25,000
4.10%
▲ 1.67% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.43%▲ 1.67% above avgNationally 2.12%
Details
Rate History
No change since Oct 28, 2026 · 4.10% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
3 Month Certificates
$0
3.90%
▲ 1.47% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.47% above avgNationally 2.12%
Details
Dividend rate from comparison table
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate - 3 month
$1,000
3.70%
▲ 1.27% above California avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.27% above avgNationally 2.12%
Details
Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household
Rate History
No change since Oct 19, 2026 · 3.70% APY · checked 2 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Jumbo Certificate - 3 Month
$0
3.05%
▲ 0.62% above California avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.62% above avgNationally 2.12%
Details
Rate type: Fixed; Minimum to earn dividends: $100,000.00
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 3 times
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8945 Cal Center Dr, Sacramento, CA 95826 3239
IRA Certificate - 3 Month
$500
3.00%
▲ 0.57% above California avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.57% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
3 Month Certificate
$0
3.00%
▲ 0.57% above California avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.57% above avgNationally 2.12%
Details
Minimum balance tier: $1,000; IRA not eligible
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Term Account - 3 Month
$0
3.00%
▲ 0.57% above California avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.57% above avgNationally 2.12%
Details
Rate Type: Fixed
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
3 Month Certificate
$0
2.90%
▲ 0.47% above California avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.47% above avgNationally 2.12%
Details
Balance: $500 Min. Balance; Rate Type: Fixed
Rate History
1 change since Sep 18, 2026 · 2.80% → 2.90% ▲ 0.10 pts · high 2.90% / low 2.80%
- Oct 14, 20262.90%▲ from 2.80%
- Sep 18, 20262.80%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7311 Greenhaven Dr, Sacramento, CA 95831
3 Month Personal CD
$0
2.78%
▲ 0.35% above California avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 0.35% above avgNationally 2.12%
Details
Term: 3 months (90 to 179 days)
Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 3 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
3 Month Certificates
$500
1.92%
▼ 0.51% below California avg
▼
Rate1.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 0.51% below avgNationally 2.12%
Details
Balance: $500.00 - $24,999.99; Dividends paid monthly
Rate History
No change since Sep 18, 2026 · 1.92% APY · checked 6 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
3 Month CD
$10,000
1.49%
▼ 0.94% below California avg
▼
Rate1.48%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▼ 0.94% below avgNationally 2.12%
Details
Rate History
1 change since Sep 20, 2026 · 1.24% → 1.49% ▲ 0.25 pts · high 1.49% / low 1.24%
- Oct 27, 20261.49%▲ from 1.24%
- Sep 20, 20261.24%first recorded
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Certificates of Deposit - 3 Month CD
$10,000
1.49%
▼ 0.94% below California avg
▼
Rate1.48%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▼ 0.94% below avgNationally 2.12%
Details
Rate History
No change since Oct 27, 2026 · 1.49% APY
Oak Valley Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
455 Capitol Mall, Sacramento, CA 95814
3 Month Certificate of Deposit
$0
0.50%
▼ 1.93% below California avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▼ 1.93% below avgNationally 2.12%
Details
Balance: $2,500.00 to $49,999,99
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 9 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
3 Month CD
$500
0.10%
▼ 2.33% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▼ 2.33% below avgNationally 2.12%
Details
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 9 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Certificates of Deposit - 3 Month CD
$500
0.10%
▼ 2.33% below California avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▼ 2.33% below avgNationally 2.12%
Details
Rate History
No change since Oct 27, 2026 · 0.10% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7050 Stockton Blvd, Sacramento, CA 95823
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.37% below California avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.37% below avgNationally 2.12%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
3 Month Fixed Rate CD
$0
0.05%
▼ 2.38% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 0.05% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
Fixed Rate CD - 3-Month
$0
0.05%
▼ 2.38% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 0.05% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7050 Stockton Blvd, Sacramento, CA 95823
3 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.38% below California avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.38% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
3 Month Standard CD
$1,000
0.05%
▼ 2.38% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.38% below avgNationally 2.12%
Details
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 2.40% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.40% below avgNationally 2.12%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 2.41% below California avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.41% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 2.42% below California avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▼ 2.42% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.15% above California avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
California Average2.43%▲ 2.15% above avgNationally 2.12%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 3, 20264.58%▲ from 4.32%
- Sep 27, 20264.32%first recorded
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3 Month Share Certificate
$0
4.25%
▲ 1.82% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.82% above avgNationally 2.12%
Details
APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026
Rate History
1 change since Sep 25, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 23, 20264.25%▲ from 3.50%
- Sep 25, 20263.50%first recorded
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
4.25%
▲ 1.82% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.82% above avgNationally 2.12%
Details
Term: 3 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.57% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
No minimum deposit
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.57% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
Promotional yield; APY calculated on 3.93% base rate; membership eligibility required; no additional deposits; IRA share certificates do not qualify
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3 Month Business CD - Promotional Offer
$1,000
4.00%
▲ 1.57% above California avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
Balance: $99,999 or less; Offer good for initial term only, CD automatically renews for the same term
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
3 Month Personal CD - Promotional Offer
$1,000
4.00%
▲ 1.57% above California avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
Balance: $99,999 or less; Offer good for the initial term only; CD automatically renews for the same term
Rate History
1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 26, 20264.00%▲ from 3.50%
- Oct 22, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 3 Month
$1,000
4.00%
▲ 1.57% above California avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.57% above avgNationally 2.12%
Details
Minimum to open $1,000.00; Rates effective 10-22-2026
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Jumbo Certificate of Deposit - 3 Months
$0
3.98%
▲ 1.55% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.55% above avgNationally 2.12%
Details
Balance: $10,000.00 and over
Rate History
No change since Oct 21, 2026 · 3.98% APY · checked 2 times
Balboa Thrift and Loan Association
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Mini Money Maker Certificates of Deposit - 3 Months
$0
3.98%
▲ 1.55% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.55% above avgNationally 2.12%
Details
Balance: $2,000.00 - $9,999.99
Rate History
No change since Oct 21, 2026 · 3.98% APY · checked 2 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96%
▲ 1.53% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.53% above avgNationally 2.12%
Details
APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only
Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
- Oct 26, 20263.96%▲ from 3.70%
- Oct 7, 20263.70%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.42% above California avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.42% above avgNationally 2.12%
Details
Balance: under $100k; Limited time special offer; Requires $500 new money (existing customers: $0.75 of every $1.00 new money); Not available for individual retirement or business accounts; Early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.37% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.37% above avgNationally 2.12%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 10 times
Industrial and Commercial Bank of China USA
Institution Rating:
B-4.3 ★Texas Ratio: 23.84%
Special Personal CD Promotion - 3-month
$0
3.80%
▲ 1.37% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.43%▲ 1.37% above avgNationally 2.12%
Details
Special Personal CD Promotion; Deposit Amount: $2,500 Minimum balance; APY effective as of 9/24/2026; ICBC (USA) personal demand deposit customers only; Early withdrawal penalties may apply
Rate History
No change since Oct 28, 2026 · 3.80% APY
Beach Cities Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Months
$2,500
3.80%
▲ 1.37% above California avg
▼
Rate3.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.37% above avgNationally 2.12%
Details
Balance tier: $250,000
Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 2 times
State Bank of India US
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Special CD - 3 Months
$1,000
3.75%
▲ 1.32% above California avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details
Limited-time special CD rate for short-term savings
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month CD
$1,000
3.75%
▲ 1.32% above California avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details
Digital | Consumer CD
Rate History
1 change since Sep 8, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 26, 20263.75%▲ from 3.50%
- Sep 8, 20263.50%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Digital 3 Month CD
$1,000
3.75%
▲ 1.32% above California avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details
Digital Products
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
3 Month Term Share Certificate
$500
3.75%
▲ 1.32% above California avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details
Minimum deposit $500 (Min. Certs.)
Rate History
1 change since Sep 25, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.75%▲ from 3.50%
- Sep 25, 20263.50%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
3 Month Certificate - Rewards+ Loyalty Program
$500
3.75%
▲ 1.32% above California avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.32% above avgNationally 2.12%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Jumbo Share Certificate - 3 month
$0
3.70%
▲ 1.27% above California avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.43%▲ 1.27% above avgNationally 2.12%
Details
Share Certificates - Jumbo - Over $90,000; Anticipated Dividend Rate 3.63%; Anticipated APY 3.70%
Rate History
No change since Oct 26, 2026 · 3.70% APY
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month CD
$0
3.65%
▲ 1.22% above California avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details
Compounded Daily; Minimum balance of $1,500 is required to earn the posted APY
Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 3 times
Beach Cities Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Months
$2,500
3.65%
▲ 1.22% above California avg
▼
Rate3.59%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details
Balance tier: $100,000
Rate History
No change since Oct 22, 2026 · 3.65% APY · checked 2 times
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
90 Day Certificate Account
$0
3.65%
▲ 1.22% above California avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details
Balance: $10,000 and over; $100,000 per member maximum
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate Account - 90 Days
$0
3.65%
▲ 1.22% above California avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.43%▲ 1.22% above avgNationally 2.12%
Details
Balance: $10,000 and over; $100,000 per member maximum
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
Sacramento 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
6-MONTH IRA CD
$1,000
4.25%
▲ 1.28% above California avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
Personal Certificate of Deposit - 6-Month CD
$0
4.25%
▲ 1.28% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2381 Fair Oaks Bouleard Suite 8, Sacramento, CA 95825
6-Month CD
$25,000
4.25%
▲ 1.28% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Rate History
No change since Oct 28, 2026 · 4.25% APY
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7311 Greenhaven Dr, Sacramento, CA 95831
Special 6-Month Fixed Rate CD
$10,000
4.23%
▲ 1.26% above California avg
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.26% above avgNationally 2.79%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
- Oct 20, 20264.23%▲ from 4.00%
- Oct 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
6-Month Promotional IRA Share Certificate
$0
4.20%
▲ 1.23% above California avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.23% above avgNationally 2.79%
Details
Promotional rate good for initial term only
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Sep 29, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
6-Month Add-On Promotional Share Certificate
$0
4.10%
▲ 1.13% above California avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.13% above avgNationally 2.79%
Details
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.; Promotional rate good for initial term only.
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 5, 20264.10%▲ from 3.90%
- Sep 14, 20263.90%first recorded
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Jumbo Certificate - 6 Month-Special
$0
4.00%
▲ 1.03% above California avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.03% above avgNationally 2.79%
Details
Rate type: Fixed; Minimum to earn dividends: $100,000.00
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Term Account - 6 Month-Special
$0
4.00%
▲ 1.03% above California avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.03% above avgNationally 2.79%
Details
Rate Type: Fixed
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate - 6 month
$1,000
3.80%
▲ 0.83% above California avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.83% above avgNationally 2.79%
Details
Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
6-Month Term CD
$1,000
3.75%
▲ 0.78% above California avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.78% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
Term CD - 6-Month
$1,000
3.75%
▲ 0.78% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.78% above avgNationally 2.79%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 2 times
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1100 N Market Blvd, Sacramento, CA 95834
6-Month Certificate
$1,000
3.65%
▲ 0.68% above California avg
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.68% above avgNationally 2.79%
Details
Balance: $1,000; Dividend Rate 3.585%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.65% ▲ 0.60 pts · high 3.65% / low 3.05%
- Oct 14, 20263.65%▲ from 3.05%
- Sep 18, 20263.05%first recorded
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
6 Month Certificate Special
$500
3.45%
▲ 0.48% above California avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.48% above avgNationally 2.79%
Details
Dividends paid monthly; also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, and Coverdell Education Savings Account (CESA); Capitol Club premium dividend rate increase of .25% for eligible members
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 9 times
Oak Valley Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
455 Capitol Mall, Sacramento, CA 95814
6 Month Certificate of Deposit
$0
3.25%
▲ 0.28% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▲ 0.28% above avgNationally 2.79%
Details
Balance: $2,500.00 to $49,999,99
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8945 Cal Center Dr, Sacramento, CA 95826 3239
IRA Certificate - 6 Month
$500
3.05%
▲ 0.08% above California avg
▼
Rate3.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.08% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 8 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
6 Month Certificate
$0
3.05%
▲ 0.08% above California avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.08% above avgNationally 2.79%
Details
Minimum balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 8 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
6 Month Certificate
$0
3.04%
▲ 0.07% above California avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.07% above avgNationally 2.79%
Details
Minimum balance tier: $1,000
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 7 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
6 Month Certificate
$0
3.00%
▲ 0.03% above California avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 0.03% above avgNationally 2.79%
Details
Balance: $10,000 Min. Balance; Rate Type: Fixed
Rate History
1 change since Sep 18, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90%
- Oct 14, 20263.00%▲ from 2.90%
- Sep 18, 20262.90%first recorded
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
6 Month Certificate
$0
2.95%
▼ 0.02% below California avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.02% below avgNationally 2.79%
Details
Balance: $500 Min. Balance; Rate Type: Fixed
Rate History
1 change since Sep 14, 2026 · 2.85% → 2.95% ▲ 0.10 pts · high 2.95% / low 2.85%
- Oct 14, 20262.95%▲ from 2.85%
- Sep 14, 20262.85%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7311 Greenhaven Dr, Sacramento, CA 95831
6 Month Personal CD
$0
2.84%
▼ 0.13% below California avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.13% below avgNationally 2.79%
Details
Term: 6 months (180 to 269 days)
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 3 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
6 Month Certificates
$25,000
2.27%
▼ 0.70% below California avg
▼
Rate2.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.70% below avgNationally 2.79%
Details
Balance: $25,000 and over; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
6 Month Fixed Rate CD
$0
2.00%
▼ 0.97% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.97% below avgNationally 2.79%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
Fixed Rate CD - 6-Month
$0
2.00%
▼ 0.97% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 0.97% below avgNationally 2.79%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
6 Month Certificates
$500
1.92%
▼ 1.05% below California avg
▼
Rate1.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 1.05% below avgNationally 2.79%
Details
Balance: $500.00 - $24,999.99; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 1.92% APY · checked 7 times
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
IRA Certificate of Deposit - 6 months
$0
1.00%
▼ 1.97% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 1.97% below avgNationally 2.79%
Details
Balance: $5,000 - $49,999; For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 591/2 years or older.
Rate History
No change since Oct 15, 2026 · 1.00% APY · checked 2 times
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
6 Month Certificate of Deposit (CD)
$0
0.75%
▼ 2.22% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▼ 2.22% below avgNationally 2.79%
Details
Balance: $5,000 - $49,999; Rate Effective Date: October 1, 2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 2 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
6 Month CD
$500
0.16%
▼ 2.81% below California avg
▼
Rate0.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▼ 2.81% below avgNationally 2.79%
Details
Rate History
No change since Sep 20, 2026 · 0.16% APY · checked 9 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Certificates of Deposit - 6 Month CD
$500
0.16%
▼ 2.81% below California avg
▼
Rate0.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▼ 2.81% below avgNationally 2.79%
Details
Rate History
No change since Oct 27, 2026 · 0.16% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7050 Stockton Blvd, Sacramento, CA 95823
6 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.91% below California avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.91% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7050 Stockton Blvd, Sacramento, CA 95823
6 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.92% below California avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.92% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.92% below California avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.92% below avgNationally 2.79%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
6 Month Standard CD
$1,000
0.05%
▼ 2.92% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.92% below avgNationally 2.79%
Details
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 6 Months
$1,000
0.03%
▼ 2.94% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.94% below avgNationally 2.79%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 6 Months
$250
0.03%
▼ 2.94% below California avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.94% below avgNationally 2.79%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 6 Months
$1,000
0.02%
▼ 2.95% below California avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.95% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 6 Months
$250
0.02%
▼ 2.95% below California avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.95% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 6 Months
$1,000
0.01%
▼ 2.96% below California avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.96% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 6 Months
$250
0.01%
▼ 2.96% below California avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▼ 2.96% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 3 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.40%
▲ 1.43% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.43% above avgNationally 2.79%
Details
Minimum to open $500.00; maximum opening deposit $500,000.00; early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 23, 20264.40%▲ from 4.30%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30%
▲ 1.33% above California avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
California Average2.97%▲ 1.33% above avgNationally 2.79%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 3, 20264.30%▲ from 4.04%
- Sep 27, 20264.04%first recorded
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
6 Month CD
$1,000
4.25%
▲ 1.28% above California avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Digital | Consumer CD
Rate History
2 changes since Sep 8, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 26, 20264.25%▲ from 4.10%
- Oct 20, 20264.10%▲ from 3.70%
- Sep 8, 20263.70%first recorded
Glendale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Share Certificate - Promotional 6 Month
$100,000
4.25%
▲ 1.28% above California avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
$100,000 minimum for Promotional 4.25% CD for 6 months; Promotional CD rate is for new money; Early withdrawals subject to penalty
Rate History
No change since Oct 23, 2026 · 4.25% APY
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
6 Month Term Share Certificate
$500
4.25%
▲ 1.28% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Term: 6 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6 Month Summer Certificate Specials - Term Certificate
$0
4.25%
▲ 1.28% above California avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Balance: $500 and above; Limited-time summer certificate special
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
Summer CD Special - 6 Months
$0
4.25%
▲ 1.28% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; All regular certificates can be opened as IRA certificates, unless otherwise noted; Terms and conditions may vary by account
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
Upward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
Summer Certificate Specials - 6 months
$0
4.25%
▲ 1.28% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
Certificate Accounts - 6 Month Promo
$500
4.25%
▲ 1.28% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Promo; Rate type: Fixed
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
6 Month Certificate - Rewards+ Loyalty Program
$500
4.25%
▲ 1.28% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.97%▲ 1.28% above avgNationally 2.79%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.20%
▲ 1.23% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.97%▲ 1.23% above avgNationally 2.79%
Details
Rate History
3 changes since Sep 16, 2026 · 4.35% → 4.20% ▼ 0.15 pts · high 4.40% / low 4.15%
- Oct 27, 20264.20%▲ from 4.15%
- Oct 22, 20264.15%▼ from 4.40%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 6 Months
$0
4.15%
▲ 1.18% above California avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.97%▲ 1.18% above avgNationally 2.79%
Details
Share Certificate Rates current as of October 23, 2026
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
- Oct 13, 20264.15%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Sacramento 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7311 Greenhaven Dr, Sacramento, CA 95831
Special 12-Month Fixed Rate CD
$2,500
4.39%
▲ 1.20% above California avg
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.20% above avgNationally 3.00%
Details
New money deposits required; $2,500 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
- Oct 20, 20264.39%▲ from 4.11%
- Oct 14, 20264.11%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2381 Fair Oaks Bouleard Suite 8, Sacramento, CA 95825
12-Month CD
$25,000
4.35%
▲ 1.16% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details
Rate History
No change since Oct 28, 2026 · 4.35% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
12 Month Deferred Compensation Certificate
$0
4.35%
▲ 1.16% above California avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details
Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 4.35% APY · checked 5 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
Deferred Compensation Certificate - 12 months
$50
4.35%
▲ 1.16% above California avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.16% above avgNationally 3.00%
Details
Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.35% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
1 Year Fixed Rate CD
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 3.00%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
Fixed Rate CD - 1-Year
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 3.00%
Details
Featured Rate; Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
12-MONTH IRA CD
$1,000
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 3.00%
Details
IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
Personal Certificate of Deposit - 12-Month CD
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 3.00%
Details
Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
12-Month College Saver
$200
4.05%
▲ 0.86% above California avg
▼
Rate3.97%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.86% above avgNationally 3.00%
Details
The minimum opening deposit listed is also the minimum balance required to earn the stated APY.
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
- Sep 29, 20264.05%▲ from 3.85%
- Sep 14, 20263.85%first recorded
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
3, 6, 9 or 12 Month Special
$0
4.00%
▲ 0.81% above California avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.81% above avgNationally 3.00%
Details
Share & IRA Certificates; Rate Type: Fixed
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
Certificate Specials - 3, 6, 9 or 12 Month Special
$0
4.00%
▲ 0.81% above California avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.81% above avgNationally 3.00%
Details
Rate Type: Fixed; Share & IRA Certificates
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
1-Year Term CD
$1,000
4.00%
▲ 0.81% above California avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.81% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
Term CD - 1-Year
$1,000
4.00%
▲ 0.81% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.81% above avgNationally 3.00%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
IRA Term Certificate - 12 Months
$0
3.98%
▲ 0.79% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.79% above avgNationally 3.00%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
Term Certificate - 12 Months
$0
3.98%
▲ 0.79% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.79% above avgNationally 3.00%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 2 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Jumbo Certificate - 12 Month-Special
$0
3.85%
▲ 0.66% above California avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.66% above avgNationally 3.00%
Details
Rate type: Fixed; Minimum to earn dividends: $100,000.00
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Term Account - 12 Month-Special
$0
3.85%
▲ 0.66% above California avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.66% above avgNationally 3.00%
Details
Rate Type: Fixed
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates - 1 Year
$0
3.80%
▲ 0.61% above California avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.61% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 19, 20263.80%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate - 1 year
$1,000
3.80%
▲ 0.61% above California avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.61% above avgNationally 3.00%
Details
Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
1 Year Wealth Builder Share Certificate
$0
3.75%
▲ 0.56% above California avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.56% above avgNationally 3.00%
Details
Monthly automatic deposit of $25.00 required for Wealth Builder Share Certificates; Rates remain fixed for the term of the certificate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1100 N Market Blvd, Sacramento, CA 95834
12-Month Certificate
$1,000
3.65%
▲ 0.46% above California avg
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.46% above avgNationally 3.00%
Details
Balance: $1,000; Dividend Rate 3.585%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only
Rate History
1 change since Sep 18, 2026 · 2.95% → 3.65% ▲ 0.70 pts · high 3.65% / low 2.95%
- Oct 14, 20263.65%▲ from 2.95%
- Sep 18, 20262.95%first recorded
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
12 Month Certificate
$0
3.25%
▲ 0.06% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.06% above avgNationally 3.00%
Details
Minimum balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8945 Cal Center Dr, Sacramento, CA 95826 3239
IRA Certificate - 12 Month
$25
3.20%
▲ 0.01% above California avg
▼
Rate3.15%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.01% above avgNationally 3.00%
Details
Add Funds IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
12 Month Certificate
$0
3.20%
▲ 0.01% above California avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.01% above avgNationally 3.00%
Details
Minimum balance tier: $1,000
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
12 Month Certificate
$0
3.20%
▲ 0.01% above California avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.01% above avgNationally 3.00%
Details
Balance: $100,000 Min. Balance; Rate Type: Fixed
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Oct 14, 20263.20%▲ from 3.10%
- Sep 14, 20263.10%first recorded
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Junior Saver Certificate 12 Month
$0
3.15%
▼ 0.04% below California avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.04% below avgNationally 3.00%
Details
Rate Type: Fixed; Minimum to Earn Dividends: $500.00
Rate History
No change since Oct 19, 2026 · 3.15% APY · checked 2 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
12 Month Certificate
$0
3.15%
▼ 0.04% below California avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.04% below avgNationally 3.00%
Details
Balance: $10,000 Min. Balance; Rate Type: Fixed
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
- Oct 14, 20263.15%▲ from 3.05%
- Sep 18, 20263.05%first recorded
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
12 Month Certificate
$0
3.10%
▼ 0.09% below California avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.09% below avgNationally 3.00%
Details
Balance: $500 Min. Balance; Rate Type: Fixed
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 14, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
12 Month Certificate Special
$500
3.04%
▼ 0.15% below California avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.15% below avgNationally 3.00%
Details
Dividends paid monthly; also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, and Coverdell Education Savings Account (CESA); Capitol Club premium dividend rate increase of .25% for eligible members
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 9 times
Oak Valley Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
455 Capitol Mall, Sacramento, CA 95814
12 Month Certificate of Deposit
$0
3.00%
▼ 0.19% below California avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.19%▼ 0.19% below avgNationally 3.00%
Details
Balance: $2,500.00 to $49,999,99
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
12 Month Certificates
$25,000
2.58%
▼ 0.61% below California avg
▼
Rate2.55%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.61% below avgNationally 3.00%
Details
Balance: $25,000 and over; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 7 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
12 Month Certificates
$500
2.43%
▼ 0.76% below California avg
▼
Rate2.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.76% below avgNationally 3.00%
Details
Balance: $500.00 - $24,999.99; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 7 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
12 Month Other Certificates - Add
$25
2.43%
▼ 0.76% below California avg
▼
Rate2.40%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 0.76% below avgNationally 3.00%
Details
Dividends paid monthly. Certificate penalties for early withdrawal may apply.
Rate History
No change since Oct 19, 2026 · 2.43% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
12 Month Certificate of Deposit
$500
2.00%
▼ 1.19% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.19% below avgNationally 3.00%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 8 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7050 Stockton Blvd, Sacramento, CA 95823
1 Year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.68% below California avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.68% below avgNationally 3.00%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
7050 Stockton Blvd, Sacramento, CA 95823
1 Year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.69% below California avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.69% below avgNationally 3.00%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
IRA Certificate of Deposit - 12 months
$0
1.50%
▼ 1.69% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 1.69% below avgNationally 3.00%
Details
Balance: $5,000 - $49,999; For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 591/2 years or older.
Rate History
No change since Oct 15, 2026 · 1.50% APY · checked 2 times
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
12 Month Certificate of Deposit (CD)
$0
1.25%
▼ 1.94% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▼ 1.94% below avgNationally 3.00%
Details
Balance: $5,000 - $49,999; Rate Effective Date: October 1, 2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.44% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 3.00%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
12 Month Standard CD
$1,000
0.75%
▼ 2.44% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 3.00%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
1-Year RampUp Plus CD
$25,000
0.25%
▼ 2.94% below California avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.94% below avgNationally 3.00%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
12 Month CD
$500
0.20%
▼ 2.99% below California avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.19%▼ 2.99% below avgNationally 3.00%
Details
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 9 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Certificates of Deposit - 12 Month CD
$500
0.20%
▼ 2.99% below California avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.19%▼ 2.99% below avgNationally 3.00%
Details
Rate History
No change since Oct 27, 2026 · 0.20% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
No Penalty CD - 12-Month
$500
0.05%
▼ 3.14% below California avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.14% below avgNationally 3.00%
Details
Apply Now
Rate History
No change since Oct 26, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 12 Months
$1,000
0.03%
▼ 3.16% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.16% below avgNationally 3.00%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 12 Months
$250
0.03%
▼ 3.16% below California avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.16% below avgNationally 3.00%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 12 Months
$1,000
0.02%
▼ 3.17% below California avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.17% below avgNationally 3.00%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 12 Months
$250
0.02%
▼ 3.17% below California avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.17% below avgNationally 3.00%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 12 Months
$1,000
0.01%
▼ 3.18% below California avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.18% below avgNationally 3.00%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 12 Months
$250
0.01%
▼ 3.18% below California avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 3.18% below avgNationally 3.00%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 3 times
Sacramento 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2381 Fair Oaks Bouleard Suite 8, Sacramento, CA 95825
18-Month CD
$25,000
4.35%
▲ 1.26% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details
Rate History
No change since Oct 28, 2026 · 4.35% APY
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
18-MONTH IRA CD
$1,000
4.25%
▲ 1.16% above California avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
IRA Certificate of Deposit Accounts; Automatically renews at maturity; Free online/mobile banking access; Quarterly statements; Early withdrawal penalty applies; APY accurate as of September 24, 2026; rate may change after account is opened
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
Personal Certificate of Deposit - 18-Month CD
$0
4.25%
▲ 1.16% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
IRA Term Certificate - 18 Months
$0
3.98%
▲ 0.89% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.89% above avgNationally 2.90%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
Term Certificate - 18 Months
$0
3.98%
▲ 0.89% above California avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.89% above avgNationally 2.90%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY · checked 2 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
18 Month Certificate
$0
3.25%
▲ 0.16% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.16% above avgNationally 2.90%
Details
Minimum balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8945 Cal Center Dr, Sacramento, CA 95826 3239
IRA Certificate - 18 Month
$500
3.20%
▲ 0.11% above California avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.11% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
18 Month Certificate
$0
3.20%
▲ 0.11% above California avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.11% above avgNationally 2.90%
Details
Minimum balance tier: $1,000
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
18 Month Certificate
$0
3.20%
▲ 0.11% above California avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.11% above avgNationally 2.90%
Details
Balance: $100,000 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 9 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
18 Month Certificate
$0
3.15%
▲ 0.06% above California avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.06% above avgNationally 2.90%
Details
Balance: $10,000 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 8 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
18 Month Certificate
$0
3.10%
▲ 0.01% above California avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 0.01% above avgNationally 2.90%
Details
Balance: $500 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 9 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
18-Month Term CD
$1,000
2.75%
▼ 0.34% below California avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.34% below avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
Term CD - 18-Month
$1,000
2.75%
▼ 0.34% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.34% below avgNationally 2.90%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
18 Month Certificates
$25,000
2.58%
▼ 0.51% below California avg
▼
Rate2.55%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.51% below avgNationally 2.90%
Details
Balance: $25,000 and over; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 7 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
18 Month Certificates
$500
2.43%
▼ 0.66% below California avg
▼
Rate2.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 0.66% below avgNationally 2.90%
Details
Balance: $500.00 - $24,999.99; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 7 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
18 Month Fixed Rate CD
$0
2.00%
▼ 1.09% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.09% below avgNationally 2.90%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
Fixed Rate CD - 18-Month
$0
2.00%
▼ 1.09% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 1.09% below avgNationally 2.90%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
IRA Certificate of Deposit - 18 months
$0
1.55%
▼ 1.54% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▼ 1.54% below avgNationally 2.90%
Details
Balance: $5,000 - $49,999; For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 591/2 years or older.
Rate History
No change since Oct 15, 2026 · 1.55% APY · checked 2 times
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
18 Month Certificate of Deposit (CD)
$0
1.50%
▼ 1.59% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▼ 1.59% below avgNationally 2.90%
Details
Balance: $5,000 - $49,999; Rate Effective Date: October 1, 2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.34% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.34% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
18 Month Standard CD
$1,000
0.75%
▼ 2.34% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 2.34% below avgNationally 2.90%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
18 Month IRA
$250
0.50%
▼ 2.59% below California avg
▼
Rate0.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.09%▼ 2.59% below avgNationally 2.90%
Details
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 9 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Certificates of Deposit - 18 Month IRA
$250
0.50%
▼ 2.59% below California avg
▼
Rate0.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.09%▼ 2.59% below avgNationally 2.90%
Details
Rate History
No change since Oct 27, 2026 · 0.50% APY
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
18 Month CD
$500
0.30%
▼ 2.79% below California avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.09%▼ 2.79% below avgNationally 2.90%
Details
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 9 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Certificates of Deposit - 18 Month CD
$500
0.30%
▼ 2.79% below California avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.09%▼ 2.79% below avgNationally 2.90%
Details
Rate History
No change since Oct 27, 2026 · 0.30% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 3.06% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.06% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 18 Months
$250
0.03%
▼ 3.06% below California avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.06% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 3.07% below California avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.07% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 18 Months
$250
0.02%
▼ 3.07% below California avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.07% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
18 Month Certificate of Deposit
$500
0.02%
▼ 3.07% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.07% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 8 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 3.08% below California avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.08% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 18 Months
$250
0.01%
▼ 3.08% below California avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▼ 3.08% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 3 times
PARISHIONERS
Institution Rating:
B+4.7 ★Texas Ratio: 18.39%
18-Month Certificate
$0
4.50%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.41% above avgNationally 2.90%
Details
Limited time only; Earn up to 4.50% APY
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 4 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45%
▲ 1.36% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.36% above avgNationally 2.90%
Details
Online Only; 30-day penalty may apply for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 20, 20264.45%▲ from 4.15%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 18 Months
$0
4.45%
▲ 1.36% above California avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.36% above avgNationally 2.90%
Details
Share Certificate Rates current as of October 23, 2026
Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 23, 20264.45%▲ from 4.35%
- Oct 13, 20264.35%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Senior Jumbo CD
$50,000
4.45%
▲ 1.36% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.36% above avgNationally 2.90%
Details
Senior rate
Rate History
1 change since Sep 29, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- Oct 5, 20264.45%▲ from 4.10%
- Sep 29, 20264.10%first recorded
United Catholics Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Term Certificates - 18 Months Special
$0
4.39%
▲ 1.30% above California avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.30% above avgNationally 2.90%
Details
Balance: $100,000 Minimum
Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$0
4.35%
▲ 1.26% above California avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 4.35% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Senior Regular CD
$500
4.35%
▲ 1.26% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details
Senior rate
Rate History
1 change since Sep 29, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 29, 20264.00%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 18 Month
$0
4.35%
▲ 1.26% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.26% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 2 times
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Month Business Certificate Specials
$500
4.30%
▲ 1.21% above California avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.21% above avgNationally 2.90%
Details
Certificate Special; Minimum balance to obtain APY: $500; APY accurate as of 09-28-2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 1, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
United Catholics Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Term Certificates - 18 Months Special
$0
4.28%
▲ 1.19% above California avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.19% above avgNationally 2.90%
Details
Balance: $50,000 Minimum
Rate History
No change since Oct 22, 2026 · 4.28% APY · checked 2 times
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
18 Month Term Share Certificate
$500
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Term: 18 months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)
Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 25, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 18 Month
$1,000
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Minimum to open $1,000.00; Rates effective 10-22-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 1.16% above California avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25%
▲ 1.16% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Central State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month New Money Certificate
$0
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
CD Special; Balance: $100,000+
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Months Promotional IRA Certificate
$500
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Promotional 18-month IRA certificate; automatically renews into a standard 24-month certificate at the rate in effect at renewal; Early withdrawal penalties may apply
Rate History
No change since Oct 26, 2026 · 4.25% APY
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
18 Months Promotional Term Certificate
$1,000
4.25%
▲ 1.16% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.09%▲ 1.16% above avgNationally 2.90%
Details
Promotional 18-month certificate; automatically renews into a standard 24-month certificate at the rate in effect at renewal; Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 26, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Sacramento 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2381 Fair Oaks Bouleard Suite 8, Sacramento, CA 95825
24-Month CD
$25,000
4.40%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details
Rate History
No change since Oct 28, 2026 · 4.40% APY
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
24-MONTH IRA CD
$0
4.25%
▲ 1.26% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
Personal Certificate of Deposit - 24-Month CD
$0
4.25%
▲ 1.26% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.26% above avgNationally 2.90%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
IRA Term Certificate - 24 Months
$0
4.08%
▲ 1.09% above California avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.09% above avgNationally 2.90%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.08% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
Term Certificate - 24 Months
$0
4.08%
▲ 1.09% above California avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.09% above avgNationally 2.90%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.08% APY · checked 2 times
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates - 2 Year
$0
3.80%
▲ 0.81% above California avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.81% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 19, 20263.80%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate - 2 year
$1,000
3.80%
▲ 0.81% above California avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.81% above avgNationally 2.90%
Details
Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1100 N Market Blvd, Sacramento, CA 95834
24-Month Certificate
$1,000
3.75%
▲ 0.76% above California avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.76% above avgNationally 2.90%
Details
Balance: $1,000; Dividend Rate 3.682%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only
Rate History
1 change since Sep 18, 2026 · 2.90% → 3.75% ▲ 0.85 pts · high 3.75% / low 2.90%
- Oct 14, 20263.75%▲ from 2.90%
- Sep 18, 20262.90%first recorded
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
24 Month Certificate
$0
3.30%
▲ 0.31% above California avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.31% above avgNationally 2.90%
Details
Minimum balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Jumbo Certificate - 24 Month
$0
3.30%
▲ 0.31% above California avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.31% above avgNationally 2.90%
Details
Rate type: Fixed; Minimum to earn dividends: $100,000.00
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 3 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
24 Month Certificate
$0
3.30%
▲ 0.31% above California avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.31% above avgNationally 2.90%
Details
Balance: $100,000 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8945 Cal Center Dr, Sacramento, CA 95826 3239
IRA Certificate - 24 Month
$500
3.25%
▲ 0.26% above California avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.26% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
24 Month Certificate
$0
3.25%
▲ 0.26% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.26% above avgNationally 2.90%
Details
Minimum balance tier: $1,000
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Term Account - 24 Month
$0
3.25%
▲ 0.26% above California avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.26% above avgNationally 2.90%
Details
Rate Type: Fixed
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
24 Month Certificate
$0
3.25%
▲ 0.26% above California avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.26% above avgNationally 2.90%
Details
Balance: $10,000 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
24 Month Certificate
$0
3.15%
▲ 0.16% above California avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 0.16% above avgNationally 2.90%
Details
Balance: $500 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 9 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
24 Month Certificates
$25,000
2.94%
▼ 0.05% below California avg
▼
Rate2.90%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.05% below avgNationally 2.90%
Details
Balance: $25,000 and over; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 7 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
24 Month Certificates
$500
2.68%
▼ 0.31% below California avg
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.31% below avgNationally 2.90%
Details
Balance: $500.00 - $24,999.99; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.68% APY · checked 7 times
Oak Valley Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
455 Capitol Mall, Sacramento, CA 95814
24 Month Certificate of Deposit
$0
2.30%
▼ 0.69% below California avg
▼
Rate2.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.99%▼ 0.69% below avgNationally 2.90%
Details
Balance: $2,500.00 to $49,999,99
Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 9 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
2 Year Fixed Rate CD
$0
2.00%
▼ 0.99% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.99% below avgNationally 2.90%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
Fixed Rate CD - 2-Year
$0
2.00%
▼ 0.99% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 0.99% below avgNationally 2.90%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
IRA Certificate of Deposit - 24 months
$0
1.75%
▼ 1.24% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 1.24% below avgNationally 2.90%
Details
Balance: $5,000 - $49,999; For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 591/2 years or older.
Rate History
No change since Oct 15, 2026 · 1.75% APY · checked 2 times
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
24 Month Certificate of Deposit (CD)
$0
1.65%
▼ 1.34% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▼ 1.34% below avgNationally 2.90%
Details
Balance: $5,000 - $49,999; Rate Effective Date: October 1, 2026
Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.24% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.24% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
24 Month Standard CD
$1,000
0.75%
▼ 2.24% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.24% below avgNationally 2.90%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
2 Year Jumbo Certificates of Deposit
$99,000
0.55%
▼ 2.44% below California avg
▼
Rate0.55%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.99%▼ 2.44% below avgNationally 2.90%
Details
Rate History
No change since Sep 20, 2026 · 0.55% APY · checked 6 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Jumbo Certificates of Deposit - 2 year
$99,000
0.55%
▼ 2.44% below California avg
▼
Rate0.55%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.99%▼ 2.44% below avgNationally 2.90%
Details
Rate History
No change since Oct 27, 2026 · 0.55% APY
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
24 Month CD
$500
0.40%
▼ 2.59% below California avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.99%▼ 2.59% below avgNationally 2.90%
Details
Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 9 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Certificates of Deposit - 24 Month CD
$500
0.40%
▼ 2.59% below California avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average2.99%▼ 2.59% below avgNationally 2.90%
Details
Rate History
No change since Oct 27, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
2-Year Jumbo CD
$100,000
0.40%
▼ 2.59% below California avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.59% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
2-Year Term CD
$1,000
0.40%
▼ 2.59% below California avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.59% below avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
Term CD - 2-Year
$1,000
0.40%
▼ 2.59% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.59% below avgNationally 2.90%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
2-Year RampUp Plus CD
$25,000
0.25%
▼ 2.74% below California avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.74% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
2 Year Certificate of Deposit
$500
0.05%
▼ 2.94% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.94% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 24 Months
$1,000
0.03%
▼ 2.96% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.96% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 24 Months
$250
0.03%
▼ 2.96% below California avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.96% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 24 Months
$1,000
0.02%
▼ 2.97% below California avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.97% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 24 Months
$250
0.02%
▼ 2.97% below California avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.97% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 24 Months
$1,000
0.01%
▼ 2.98% below California avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.98% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 24 Months
$250
0.01%
▼ 2.98% below California avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▼ 2.98% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 3 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60%
▲ 1.61% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.61% above avgNationally 2.90%
Details
Minimum balance to open account online: $1,000; Opened online; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.60% APY · checked 2 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
24 Month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.51% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.51% above avgNationally 2.90%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA 24 month Certificate - Rewards+ Loyalty Program
$25
4.50%
▲ 1.51% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.51% above avgNationally 2.90%
Details
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
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
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.46% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- 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%
Online CD - 24 Month
$1,000
4.40%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details
Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 24 Month
$1,000
4.40%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details
Wealth Center/Telephone Only; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 26, 2026 · 4.40% APY
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 24 Month
$0
4.40%
▲ 1.41% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.41% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.40% APY · checked 2 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 24 month
$0
4.35%
▲ 1.36% above California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.36% above avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.35%
▲ 1.36% above California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average2.99%▲ 1.36% above avgNationally 2.90%
Details
Online Only; 30-day penalty may apply for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
- Oct 20, 20264.35%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 24 Months
$0
4.35%
▲ 1.36% above California avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average2.99%▲ 1.36% above avgNationally 2.90%
Details
Share Certificate Rates current as of October 23, 2026
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 23, 20264.35%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Sacramento 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
36 Month Deferred Compensation Certificate
$0
4.40%
▲ 1.39% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details
Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 5 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
Deferred Compensation Certificate - 36 months
$50
4.40%
▲ 1.39% above California avg
▼
Rate4.31%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details
Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.40% APY
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
36-MONTH IRA CD
$0
4.25%
▲ 1.24% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
Personal Certificate of Deposit - 36-Month CD
$0
4.25%
▲ 1.24% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
IRA Term Certificate - 36 Months
$0
4.18%
▲ 1.17% above California avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.17% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
Term Certificate - 36 Months
$0
4.18%
▲ 1.17% above California avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.17% above avgNationally 2.81%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2381 Fair Oaks Bouleard Suite 8, Sacramento, CA 95825
36-Month CD
$25,000
4.00%
▲ 0.99% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average3.01%▲ 0.99% above avgNationally 2.81%
Details
Rate History
No change since Oct 28, 2026 · 4.00% APY
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1100 N Market Blvd, Sacramento, CA 95834
36-Month Certificate
$1,000
3.85%
▲ 0.84% above California avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.84% above avgNationally 2.81%
Details
Balance: $1,000; Dividend Rate 3.778%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only
Rate History
1 change since Sep 18, 2026 · 2.90% → 3.85% ▲ 0.95 pts · high 3.85% / low 2.90%
- Oct 14, 20263.85%▲ from 2.90%
- Sep 18, 20262.90%first recorded
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates - 3 Year
$0
3.80%
▲ 0.79% above California avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.79% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 19, 20263.80%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate - 3 year
$1,000
3.80%
▲ 0.79% above California avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.79% above avgNationally 2.81%
Details
Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
36 Month Certificate
$0
3.40%
▲ 0.39% above California avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.39% above avgNationally 2.81%
Details
Minimum balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Jumbo Certificate - 36 Month
$0
3.40%
▲ 0.39% above California avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.39% above avgNationally 2.81%
Details
Rate type: Fixed; Minimum to earn dividends: $100,000.00
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
36 Month Certificate
$0
3.40%
▲ 0.39% above California avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.39% above avgNationally 2.81%
Details
Balance: $100,000 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8945 Cal Center Dr, Sacramento, CA 95826 3239
IRA Certificate - 36 Month
$500
3.35%
▲ 0.34% above California avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
36 Month Certificate
$0
3.35%
▲ 0.34% above California avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details
Minimum balance tier: $1,000
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Term Account - 36 Month
$0
3.35%
▲ 0.34% above California avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.34% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 3 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
36 Month Certificate
$0
3.30%
▲ 0.29% above California avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.29% above avgNationally 2.81%
Details
Balance: $500 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 8 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
36 Month Certificates
$25,000
3.04%
▲ 0.03% above California avg
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 0.03% above avgNationally 2.81%
Details
Balance: $25,000 and over; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
36 Month Certificates
$500
2.94%
▼ 0.07% below California avg
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 0.07% below avgNationally 2.81%
Details
Balance: $500.00 - $24,999.99; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 7 times
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
IRA Certificate of Deposit - 36 months
$0
2.25%
▼ 0.76% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 0.76% below avgNationally 2.81%
Details
Balance: $5,000 - $49,999; For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 591/2 years or older.
Rate History
No change since Oct 15, 2026 · 2.25% APY · checked 2 times
Oak Valley Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
455 Capitol Mall, Sacramento, CA 95814
36 Month Certificate of Deposit
$0
2.02%
▼ 0.99% below California avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.01%▼ 0.99% below avgNationally 2.81%
Details
Balance: $2,500.00 to $49,999,99
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 9 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
3 Year Fixed Rate CD
$0
2.00%
▼ 1.01% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.01% below avgNationally 2.81%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
Fixed Rate CD - 3-Year
$0
2.00%
▼ 1.01% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 1.01% below avgNationally 2.81%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
4313 Elkhorn Blvd, Sacramento, CA 95842
36 Month Certificate of Deposit (CD)
$0
2.00%
▼ 1.01% below California avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▼ 1.01% below avgNationally 2.81%
Details
Balance: $5,000 - $49,999; Rate Effective Date: October 1, 2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.26% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
36 Month Standard CD
$1,000
0.75%
▼ 2.26% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.26% below avgNationally 2.81%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
3 Year Anchor Jumbo Certificates of Deposit
$99,000
0.60%
▼ 2.41% below California avg
▼
Rate0.60%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.01%▼ 2.41% below avgNationally 2.81%
Details
Jumbo certificate; Minimum Balance to Obtain APY: $99,000
Rate History
No change since Oct 27, 2026 · 0.60% APY
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
3 Year Jumbo Certificates of Deposit
$99,000
0.60%
▼ 2.41% below California avg
▼
Rate0.60%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.01%▼ 2.41% below avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 0.60% APY · checked 6 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
36 Month CD
$500
0.55%
▼ 2.46% below California avg
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.01%▼ 2.46% below avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 0.55% APY · checked 9 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Certificates of Deposit - 36 Month CD
$500
0.55%
▼ 2.46% below California avg
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.01%▼ 2.46% below avgNationally 2.81%
Details
Rate History
No change since Oct 27, 2026 · 0.55% APY
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1 Park Center Dr, Sacramento, CA 95825
36 Month CD
$2,500
0.50%
▼ 2.51% below California avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.01%▼ 2.51% below avgNationally 2.81%
Details
Business CD special; Earn up to 0.50% APY with a $2,500 minimum opening balance; Includes a one-time rate increase (Bump Rate) option during initial term; Visit a branch to open an account; Public funds not eligible
Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
3-Year Jumbo CD
$100,000
0.40%
▼ 2.61% below California avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
3-Year Term CD
$1,000
0.40%
▼ 2.61% below California avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
Term CD - 3-Year
$1,000
0.40%
▼ 2.61% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.61% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
3-Year RampUp CD
$25,000
0.25%
▼ 2.76% below California avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.76% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
3 Year Certificate of Deposit
$500
0.05%
▼ 2.96% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.96% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 36 Months
$1,000
0.03%
▼ 2.98% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.98% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 36 Months
$250
0.03%
▼ 2.98% below California avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.98% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 36 Months
$1,000
0.02%
▼ 2.99% below California avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.99% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 36 Months
$250
0.02%
▼ 2.99% below California avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 2.99% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 36 Months
$1,000
0.01%
▼ 3.00% below California avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 3.00% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 36 Months
$250
0.01%
▼ 3.00% below California avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▼ 3.00% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50%
▲ 1.49% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.49% 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%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
36 Month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.49% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA 36 month Certificate - Rewards+ Loyalty Program
$25
4.50%
▲ 1.49% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.49% above avgNationally 2.81%
Details
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$0
4.40%
▲ 1.39% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.39% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.34% above California avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.34% 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%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
IRA 36 Month Certificate
$1,000
4.35%
▲ 1.34% above California avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.01%▲ 1.34% above avgNationally 2.81%
Details
Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
- Oct 19, 20264.35%▲ from 3.70%
- Sep 14, 20263.70%first recorded
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 36 Months
$0
4.30%
▲ 1.29% above California avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.29% above avgNationally 2.81%
Details
Share Certificate Rates current as of October 23, 2026
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
- Oct 23, 20264.30%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 1.29% above California avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.01%▲ 1.29% above avgNationally 2.81%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Sacramento 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
48-MONTH IRA CD
$0
4.25%
▲ 1.19% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
Personal Certificate of Deposit - 48-Month CD
$0
4.25%
▲ 1.19% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
IRA Term Certificate - 48 Months
$0
4.18%
▲ 1.12% above California avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.12% above avgNationally 2.80%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
Term Certificate - 48 Months
$0
4.18%
▲ 1.12% above California avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.12% above avgNationally 2.80%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2381 Fair Oaks Bouleard Suite 8, Sacramento, CA 95825
48-Month CD
$25,000
4.00%
▲ 0.94% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average3.06%▲ 0.94% above avgNationally 2.80%
Details
Rate History
No change since Oct 28, 2026 · 4.00% APY
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates - 4 Year
$0
3.80%
▲ 0.74% above California avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.74% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 19, 20263.80%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate - 4 year
$1,000
3.80%
▲ 0.74% above California avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.74% above avgNationally 2.80%
Details
Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
48 Month Certificate
$0
3.50%
▲ 0.44% above California avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.44% above avgNationally 2.80%
Details
Balance: $100,000 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
48 Month Certificate
$0
3.45%
▲ 0.39% above California avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.39% above avgNationally 2.80%
Details
Minimum balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Jumbo Certificate - 48 Month
$0
3.45%
▲ 0.39% above California avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.39% above avgNationally 2.80%
Details
Rate type: Fixed; Minimum to earn dividends: $100,000.00
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 3 times
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8945 Cal Center Dr, Sacramento, CA 95826 3239
IRA Certificate - 48 Month
$500
3.40%
▲ 0.34% above California avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.34% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
48 Month Certificate
$0
3.40%
▲ 0.34% above California avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.34% above avgNationally 2.80%
Details
Minimum balance tier: $1,000
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Term Account - 48 Month
$0
3.40%
▲ 0.34% above California avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.34% above avgNationally 2.80%
Details
Rate Type: Fixed
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
48 Month Certificate
$0
3.40%
▲ 0.34% above California avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.34% above avgNationally 2.80%
Details
Balance: $10,000 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
48 Month Certificate
$0
3.35%
▲ 0.29% above California avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.29% above avgNationally 2.80%
Details
Balance: $500 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 9 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
48 Month Certificates
$25,000
3.09%
▲ 0.03% above California avg
▼
Rate3.05%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 0.03% above avgNationally 2.80%
Details
Balance: $25,000 and over; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 7 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
48 Month Certificates
$500
3.04%
▼ 0.02% below California avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 0.02% below avgNationally 2.80%
Details
Balance: $500.00 - $24,999.99; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
4 Year Fixed Rate CD
$0
2.00%
▼ 1.06% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.06% below avgNationally 2.80%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
Fixed Rate CD - 4-Year
$0
2.00%
▼ 1.06% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 1.06% below avgNationally 2.80%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.31% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
48 Month Standard CD
$1,000
0.75%
▼ 2.31% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.31% below avgNationally 2.80%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
4-Year Jumbo CD
$100,000
0.50%
▼ 2.56% below California avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.56% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
4-Year Term CD
$1,000
0.50%
▼ 2.56% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.56% below avgNationally 2.80%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
Term CD - 4-Year
$1,000
0.50%
▼ 2.56% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.56% below avgNationally 2.80%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
4-Year RampUp CD
$50,000
0.25%
▼ 2.81% below California avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.81% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
4 Year Certificate of Deposit
$500
0.15%
▼ 2.91% below California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 2.91% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 3.03% below California avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 3.03% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 48 Months
$250
0.03%
▼ 3.03% below California avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 3.03% below avgNationally 2.80%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 3.04% below California avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 3.04% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 48 Months
$250
0.02%
▼ 3.04% below California avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 3.04% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 3.05% below California avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 3.05% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2277 Watt Ave, Sacramento, CA 95825
IRA CD 48 Months
$250
0.01%
▼ 3.05% below California avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▼ 3.05% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.69% above California avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.69% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
48 Month Certificate - Rewards+ Loyalty Program
$500
4.50%
▲ 1.44% above California avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.44% above avgNationally 2.80%
Details
Rewards+ Loyalty Program
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
IRA 48 month Certificate - Rewards+ Loyalty Program
$25
4.50%
▲ 1.44% above California avg
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.44% above avgNationally 2.80%
Details
IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member
Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$0
4.40%
▲ 1.34% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.34% above avgNationally 2.80%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
IRA 48 Month Certificate
$1,000
4.35%
▲ 1.29% above California avg
▼
Rate4.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.29% above avgNationally 2.80%
Details
Rates may vary after account is opened. APY is accurate as of the last dividend declaration date.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 19, 20264.35%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.24% above California avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.24% above avgNationally 2.80%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Share Certificate - 48 Months
$1,000
4.30%
▲ 1.24% above California avg
▼
Rate4.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.24% above avgNationally 2.80%
Details
Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply
Rate History
1 change since Oct 14, 2026 · 3.70% → 4.30% ▲ 0.60 pts · high 4.30% / low 3.70%
- Oct 19, 20264.30%▲ from 3.70%
- Oct 14, 20263.70%first recorded
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Certificate - 4 Years
$1,000
4.28%
▲ 1.22% above California avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.22% above avgNationally 2.80%
Details
APY range: 4.28% - 4.49%; Minimum = $1,000; Jumbo certificates over $75,000 add .20%
Rate History
No change since Oct 23, 2026 · 4.28% APY
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
4 Year Term Share Certificate
$500
4.25%
▲ 1.19% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details
Minimum deposit $500 (Min. Certs.)
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- 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%
Share Certificate - 48 Month
$1,000
4.25%
▲ 1.19% above California avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details
Minimum to open $1,000.00; Rates effective 10-22-2026
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Share Certificate - 48 Months
$0
4.25%
▲ 1.19% above California avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details
Share Certificate Rates current as of October 23, 2026
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 13, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.91%
Certificate Accounts - 48 Month
$500
4.25%
▲ 1.19% above California avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details
Rate type: Fixed
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
American First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
48 Month Promo Certificate
$1,000
4.25%
▲ 1.19% above California avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.19% above avgNationally 2.80%
Details
Funds on deposit at AFCU not eligible unless matched with outside (new) funds from another financial institution
Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 7 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20%
▲ 1.14% above California avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.14% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 5, 20264.20%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.12%
▲ 1.06% above California avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.06% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.12% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
4.12%
▲ 1.06% above California avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.06% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
- Oct 23, 20264.12%▲ from 4.07%
- Oct 15, 20264.07%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Cal State L.A. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
Certificate - 48 Months
$0
4.07%
▲ 1.01% above California avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.06%▲ 1.01% above avgNationally 2.80%
Details
Balance: $100,000 +
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 7 times
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
48-Month Term Share Certificate
$500
4.06%
▲ 1.00% above California avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.06%▲ 1.00% above avgNationally 2.80%
Details
Effective 09/1/2026; Early withdrawal penalty: 180 days
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 8 times
Sacramento 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month Deferred Compensation Certificate
$0
4.50%
▲ 1.31% above California avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.31% above avgNationally 2.91%
Details
Limited to employees of participating school districts; minimum monthly deposit $50, payroll deposit only; penalty for early withdrawal
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 5 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
Deferred Compensation Certificate - 60 months
$50
4.50%
▲ 1.31% above California avg
▼
Rate4.40%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.31% above avgNationally 2.91%
Details
Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.50% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month IRA Certificate
$0
4.40%
▲ 1.21% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.21% above avgNationally 2.91%
Details
Balance: $250,000 Minimum Balance (Jumbo)
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 13, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
IRA Certificate - 60 Months
$0
4.40%
▲ 1.21% above California avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.21% above avgNationally 2.91%
Details
Traditional and Roth IRA; Jumbo
Rate History
No change since Oct 23, 2026 · 4.40% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month IRA Certificate
$0
4.35%
▲ 1.16% above California avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.16% above avgNationally 2.91%
Details
Balance: $100,000 Minimum Balance (Jumbo)
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 13, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
IRA Certificate - 60 Months
$0
4.35%
▲ 1.16% above California avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.16% above avgNationally 2.91%
Details
Traditional and Roth IRA; Jumbo
Rate History
No change since Oct 23, 2026 · 4.35% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month IRA Certificate
$0
4.30%
▲ 1.11% above California avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.11% above avgNationally 2.91%
Details
Balance: $50,000 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Sep 29, 20264.30%▲ from 4.10%
- Sep 14, 20264.10%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month Share Certificates
$0
4.30%
▲ 1.11% above California avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.11% above avgNationally 2.91%
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%
- 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%
5210 Madison Ave, Sacramento, CA 95841
IRA Certificate - 60 Months
$0
4.30%
▲ 1.11% above California avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.11% above avgNationally 2.91%
Details
Traditional and Roth IRA
Rate History
No change since Oct 23, 2026 · 4.30% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
Share Certificate - 60 Months
$0
4.30%
▲ 1.11% above California avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.11% above avgNationally 2.91%
Details
Jumbo
Rate History
No change since Oct 23, 2026 · 4.30% APY
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
60-MONTH IRA CD
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Sep 27, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Poppy Bank
Institution Rating:
B+4.8 ★Texas Ratio: 16.92%
3660 Crocker Drive, Sacramento, CA 95818
Personal Certificate of Deposit - 60-Month CD
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
Details
Automatically renews at maturity; Free online/mobile banking access; Statement frequency: Quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month IRA Certificate
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
Details
Balance: $20,000 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Sep 29, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month Share Certificates
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
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%
- 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%
5210 Madison Ave, Sacramento, CA 95841
IRA Certificate - 60 Months
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
Details
Traditional and Roth IRA
Rate History
No change since Oct 23, 2026 · 4.25% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
Share Certificate - 60 Months
$0
4.25%
▲ 1.06% above California avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.06% above avgNationally 2.91%
Details
Jumbo
Rate History
No change since Oct 23, 2026 · 4.25% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month IRA Certificate
$0
4.20%
▲ 1.01% above California avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.01% above avgNationally 2.91%
Details
Balance: $500 Minimum Balance
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Sep 29, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month Share Certificates
$0
4.20%
▲ 1.01% above California avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.01% above avgNationally 2.91%
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%
- 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%
5210 Madison Ave, Sacramento, CA 95841
IRA Certificate - 60 Months
$0
4.20%
▲ 1.01% above California avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.01% above avgNationally 2.91%
Details
Traditional and Roth IRA
Rate History
No change since Oct 23, 2026 · 4.20% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
Share Certificate - 60 Months
$0
4.20%
▲ 1.01% above California avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 1.01% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.20% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
IRA Term Certificate - 60 Months
$0
4.18%
▲ 0.99% above California avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.99% above avgNationally 2.91%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3924 Franklin Blvd, Sacramento, CA 95820
Term Certificate - 60 Months
$0
4.18%
▲ 0.99% above California avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.99% above avgNationally 2.91%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month Share Certificates
$0
4.15%
▲ 0.96% above California avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.96% above avgNationally 2.91%
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%
- 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%
5210 Madison Ave, Sacramento, CA 95841
Share Certificate - 60 Months
$0
4.15%
▲ 0.96% above California avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.96% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.15% APY
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
5210 Madison Ave, Sacramento, CA 95841
60 Month Share Certificates
$0
4.10%
▲ 0.91% above California avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.91% above avgNationally 2.91%
Details
Balance: $500 Minimum Balance
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- 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%
5210 Madison Ave, Sacramento, CA 95841
Share Certificate - 60 Months
$0
4.10%
▲ 0.91% above California avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
California Average3.19%▲ 0.91% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.10% APY
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1100 N Market Blvd, Sacramento, CA 95834
60-Month Certificate
$1,000
4.05%
▲ 0.86% above California avg
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.86% above avgNationally 2.91%
Details
Balance: $1,000; Dividend Rate 3.970%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only
Rate History
1 change since Sep 18, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
- Oct 14, 20264.05%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2381 Fair Oaks Bouleard Suite 8, Sacramento, CA 95825
60-Month CD
$25,000
4.00%
▲ 0.81% above California avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
California Average3.19%▲ 0.81% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.00% APY
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Share Certificates - 5 Year
$0
3.80%
▲ 0.61% above California avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.61% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 19, 20263.80%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.95%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Share Certificate - 5 year
$1,000
3.80%
▲ 0.61% above California avg
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.61% above avgNationally 2.91%
Details
Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 2 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
60 Month Certificate
$0
3.60%
▲ 0.41% above California avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.41% above avgNationally 2.91%
Details
Balance: $100,000 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8945 Cal Center Dr, Sacramento, CA 95826 3239
IRA Certificate - 60 Month
$500
3.55%
▲ 0.36% above California avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.36% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
800 H St, Sacramento, CA 95814 2607
60 Month Certificate
$0
3.55%
▲ 0.36% above California avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.36% above avgNationally 2.91%
Details
Minimum balance tier: $1,000
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
60 Month Certificate
$0
3.55%
▲ 0.36% above California avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.36% above avgNationally 2.91%
Details
Balance: $10,000 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Jumbo Certificate - 60 Month
$0
3.50%
▲ 0.31% above California avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.31% above avgNationally 2.91%
Details
Rate type: Fixed; Minimum to earn dividends: $100,000.00
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2150 Watt Ave, Sacramento, CA 95825
60 Month Certificate
$0
3.50%
▲ 0.31% above California avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.31% above avgNationally 2.91%
Details
Balance: $500 Min. Balance; Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
8815 Folsom Blvd, Sacramento, CA 95826
Term Account - 60 Month
$0
3.45%
▲ 0.26% above California avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.26% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 3 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
60 Month Certificates
$25,000
3.25%
▲ 0.06% above California avg
▼
Rate3.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.06% above avgNationally 2.91%
Details
Balance: $25,000 and over; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6341 Folsom Blvd, Sacramento, CA 95819
60 Month Certificates
$500
3.20%
▲ 0.01% above California avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▲ 0.01% above avgNationally 2.91%
Details
Balance: $500.00 - $24,999.99; Dividends paid monthly
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
5 Year Fixed Rate CD
$0
2.00%
▼ 1.19% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.19% below avgNationally 2.91%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
436 Howe Ave, Sacramento, CA 95825
Fixed Rate CD - 5-Year
$0
2.00%
▼ 1.19% below California avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.19% below avgNationally 2.91%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
7311 Greenhaven Dr, Sacramento, CA 95831
60 Month Personal CD
$0
1.31%
▼ 1.88% below California avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 1.88% below avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 1.31% APY · checked 3 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
5 Year Anchor Jumbo Certificates of Deposit
$99,000
1.00%
▼ 2.19% below California avg
▼
Rate1.00%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.19%▼ 2.19% below avgNationally 2.91%
Details
Jumbo certificate; Minimum Balance to Obtain APY: $99,000
Rate History
No change since Oct 27, 2026 · 1.00% APY
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
5 Year Jumbo Certificates of Deposit
$99,000
1.00%
▼ 2.19% below California avg
▼
Rate1.00%
Min Deposit$99,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.19%▼ 2.19% below avgNationally 2.91%
Details
Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 6 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
60 Month CD
$500
0.90%
▼ 2.29% below California avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.19%▼ 2.29% below avgNationally 2.91%
Details
Rate History
No change since Sep 20, 2026 · 0.90% APY · checked 9 times
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5500 Folsom Blvd, Sacramento, CA 95819
Anchor Certificates of Deposit - 60 Month CD
$500
0.90%
▼ 2.29% below California avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
California Average3.19%▼ 2.29% below avgNationally 2.91%
Details
Rate History
No change since Oct 27, 2026 · 0.90% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.44% below California avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 2.91%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
2581 Fair Oaks Blvd, Sacramento, CA 95825
60 Month Standard CD
$1,000
0.75%
▼ 2.44% below California avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.44% below avgNationally 2.91%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
5-Year Jumbo CD
$100,000
0.50%
▼ 2.69% below California avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.69% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
440 Drake Cir, Sacramento, CA 95864
5-Year Term CD
$1,000
0.50%
▼ 2.69% below California avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
California Average3.19%▼ 2.69% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Sacramento, CA CD Rate Trends
Compare local Sacramento, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD CA Avg
3.187%
▲ 0.004 vs 7 days ago
California 12-month CD rates rose 0.004 points over the past 7 days to 3.187% APY.
6-Month CD CA Avg
2.970%
▼ 0.001 vs 7 days ago
California 6-month CD rates fell 0.001 points over the past 7 days to 2.970% APY.
As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions
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CA CD Rate Forecast, Next 12 Months
Where are California CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
3.187%
6-Month Forecast
3.187%
Range: 2.99%, 3.34%
12-Month Forecast
3.437%
Range: 3.24%, 3.59%
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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 | 2.430% | $121.48 | $242.96 | $607.40 | $1,214.80 |
| 6-Month CD | 2.970% | $148.49 | $296.97 | $742.43 | $1,484.85 |
| 12-Month CD | 3.187% | $159.34 | $318.68 | $796.70 | $1,593.40 |
| 18-Month CD | 3.093% | $154.64 | $309.28 | $773.20 | $1,546.40 |
| 24-Month CD | 2.989% | $149.46 | $298.92 | $747.30 | $1,494.60 |
| 36-Month CD | 3.011% | $150.57 | $301.13 | $752.82 | $1,505.65 |
| 48-Month CD | 3.060% | $152.98 | $305.97 | $764.93 | $1,529.85 |
| 60-Month CD | 3.194% | $159.69 | $319.37 | $798.43 | $1,596.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 28, 2026. | |||||
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Sample CD Ladder for Sacramento, California Savers
$25,000 split equally across 5 terms using today’s California average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.430% | $121.48 |
| 2 | 6-Month CD | $5,000 | 2.970% | $148.49 |
| 3 | 12-Month CD | $5,000 | 3.187% | $159.34 |
| 4 | 24-Month CD | $5,000 | 2.989% | $149.46 |
| 5 | 36-Month CD | $5,000 | 3.011% | $150.57 |
| Total ($25,000 invested) | $25,000 | 2.917% blended | $729.34/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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3,568
CD Rates
Tracked in Sacramento, California
Tracked in Sacramento, California
39 Banks
83 Credit Unions
About Our Sacramento, California CD Rate Database
MonitorBankRates tracks 3,568 CD rates from 39 banks and 83 credit unions with locations in Sacramento, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: SchoolsFirst Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sacramento, California.
How to Find the Best CD Rates in Sacramento, California
What to compare when shopping for a CD in Sacramento, California
To find the best APYs in Sacramento, California, start with credit unions and online-only banks: Sacramento, California has 83 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 Sacramento, 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 Sacramento, California: 122 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Sacramento, California savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Sacramento, California money market rates
Sacramento, California Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
14.2%
National avg: 17.3%
Median Individual Earnings
$47,441
National avg: $47,340
Poverty Rate
13.9%
National avg: 11.1%
Unemployment Rate
6.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$151/yr
At CA 12-mo avg 3.187% APY
14.2% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.5% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s CA 12-month CD average of 3.187%, saving 10% of the local median salary ($4,744/year) and putting it in a CD would earn an additional $151 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 Sacramento, 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 |
CD Product Information
How CDs Work
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 Sacramento, 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 Sacramento, California as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Sacramento, California savers easier access to their funds. For example, Poppy Bank is offering its 6-MONTH IRA CD at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SchoolsFirst Federal Credit Union is offering its 60 Month Deferred Compensation Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
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 Sacramento, 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
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 Sacramento, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Sacramento, 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 Sacramento, California
What are CD rates in Sacramento, California today?
Sacramento, California CD rates range from 0.01% to 5.90% APY as of October 28, 2026, verified by MonitorBankRates. Top rates include 4.50% APY at SchoolsFirst Federal Credit Union (60 Month Deferred Compensation Certificate), 4.40% at Beal Bank USA (24-Month CD) and 4.39% at City National Bank (Special 12-Month Fixed Rate CD), compared with the MonitorBankRates national 12 month average of 3.00% APY.
Are CD rates in Sacramento, California FDIC insured?
Yes, most established banks in Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, California?
Here are recent top rates found for this area:
- SchoolsFirst Federal Credit Union: 4.50% APY (60 Month Deferred Compensation Certificate)
- Beal Bank USA: 4.40% APY (24-Month CD)
- City National Bank: 4.39% APY (Special 12-Month Fixed Rate CD)
- Citi: 4.25% APY (1 Year Fixed Rate CD)
- Poppy Bank: 4.25% APY (12-MONTH IRA CD)
- Self-Help Federal Credit Union: 4.18% APY (IRA Term Certificate - 36 Months)
- Meriwest Credit Union: 4.05% APY (60-Month Certificate)
- California Community Credit Union: 4.00% APY (Jumbo Certificate - 6 Month-Special)
- First Us Community Credit Union: 4.00% APY (3, 6, 9 or 12 Month Special)
- CIT Bank: 4.00% APY (1-Year Term CD)
Rates reflect recent verified offers available in Sacramento, California. Last Updated: October 28, 2026
Sacramento, 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 Sacramento, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Sacramento, California
Sacramento, California CD Calculator
At today’s CA top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Sacramento, California CD LadderCA CD rates currently range from 2.430% (3-month) to 3.011% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Sacramento, California CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 3.187% 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 Sacramento, 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 Sacramento, 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 Sacramento, 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 28, 2026
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