San Francisco, California CD Rates Today - Compare Best APYs for June 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.
Current San Francisco, California CD rates include CIBCCIBC101 Second Street, San Francisco, CA 94105A+5.0 ★Texas Ratio: 2.97%Real return: +1.20%APY minus CPI (February 2026) offering Agility 12-month CD at 4.00% APY, LendingClubLendingClub595 Market St, San Francisco, CA 94105A5.0 ★Texas Ratio: 6.13%Real return: +1.10%APY minus CPI (February 2026) offering 6 Month Certificates of Deposit at 3.90% APY, Self-Help Federal Credit UnionSelf-Help Federal Credit Union2430 Mission St, San Francisco, CA 94110A+5.0 ★Texas Ratio: 2.55%Real return: +1.02%APY minus CPI (February 2026) offering 3-Year Certificate at 3.82% APY, Technology Credit UnionTechnology Credit Union1449 Mission St, San Francisco, CA 94103 2510A+5.0 ★Texas Ratio: 3.39%Real return: +0.95%APY minus CPI (February 2026) offering Consumer Certificates and IRA Certificates 24 Month at 3.75% APY, and EverBankEverBank400 Montgomery St, San Francisco, CA 94104B4.5 ★Texas Ratio: 20.65%Real return: +0.90%APY minus CPI (February 2026) offering Business CDs 6 month at 3.70% APY. CD rates as of June 1, 2026 according to verified data from MonitorBankRates.
San Francisco has 170 local institutions in our database, with CD rates as high as 4.00% APY from CIBC at 101 Second Street, San Francisco, CA 94105. 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 — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 1, 2026
Compare Best CD Rates in San Francisco, California & the Surrounding Area
San Francisco 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance? CDs 3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
3 Month IRA Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
3 Month Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Consumer Certificates and IRA Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
3 Month CD
$2,500
3.25%
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 up to $49,999*
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
3-month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 and over
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
IRA 3-month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 and over
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
CDARS? CDs 3 month
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1560 3rd St Ste B, San Francisco, CA 94158 2349
3 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
IRA 3-month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$10,000 to $99,999.99
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
3-month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$10,000 to $99,999.99
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDs 3 month
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDARS? CDs 3 month
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 Embarcadero Ctr, San Francisco, CA 94111
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
3-Month CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA 94102 3120
IRA Certificates 3 Months
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
3 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Certificates of Deposit 3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 3 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Term Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
*APY: Annual Percentage Yield
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificates 3 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
3 Months Term Share Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 3 month
$50,000
3.45%
▼
Rate3.39%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Day Certificate Special
$10,000
3.41%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
balances $10,000 - $100,000
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days Certificate Account and IRA Account: Fixed Rate
$10,000
3.41%
▼
Rate3.34%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 per member maximum
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 3 month
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 3 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Share Certificates 3 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
3 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
3 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$100,000
3.15%
▼
Rate3.10%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
90 Days Certificate Account and IRA Account: Fixed Rate
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 per member maximum
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
3 MONTHS Certificate Accounts
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
HSA Certificate Accounts 3 MONTHS
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 DAY CERTIFICATE
$0
3.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3-Month Certificate
$25,000
3.05%
▼
Rate3.01%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
San Francisco 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
6 Month Certificates of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
Consumer Certificate of Deposit 6 months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDs 6 month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance? CDs 6 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
New Money 6 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Online 6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Wealth Center/Telephone Deposit 6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
6 Month IRA Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
6 Month Pick-A-Term Certificates
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Business Certificates 6 Month
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Consumer Certificates and IRA Certificates 6 Month
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDARS? CDs 6 month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
6 Month Fixed Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Some of the highest fixed rates you'll find on federally insured accounts.
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1560 3rd St Ste B, San Francisco, CA 94158 2349
6 Month
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
CDARS? CDs 6 month
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
6 Month CD
$2,500
3.00%
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 up to $49,999*
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
6 Month Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA 94102 3120
IRA Certificates 6 Months
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
6-Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Certificates of Deposit 6 months
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
255 Battery St, San Francisco, CA 94111
6 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates subject to change
Citizens National Bank of Texas
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
6 month CDs
$1,000
4.04%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 6 Months
$50,000
3.90%
▼
Rate3.83%
Min Deposit$50,000
Min Balance—
UpdatedMay 29, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 6 Months
$15,000
3.85%
▼
Rate3.78%
Min Deposit$15,000
Min Balance—
UpdatedMay 29, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Certificate Account 6 Months
$1,000
3.80%
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
New Money Only
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Certificate
$250
3.70%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
New Money Only; 3.75% APY?balances $100,000+
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6-Month Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
promotional offer
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Bonus Certificates
$40,000
3.60%
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 6 month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 6 month
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Certificate Account 6-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 6 month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
San Francisco 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2430 Mission St, San Francisco, CA 94110
1-Year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
New Money 12 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Business Certificates 12 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Consumer Certificates and IRA Certificates 12 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Online 12 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Wealth Center/Telephone Deposit 12 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDs 1 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
1 Year Certificates of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
Consumer Certificate of Deposit 1 year
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance? CDs 12 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDARS? CDs 1 year
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
12 Month IRA Pick-A-Term Certificates
$10,000
3.30%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
12 Month Pick-A-Term Certificates
$10,000
3.30%
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 31, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 Embarcadero Ctr, San Francisco, CA 94111
12-month fixed-rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1560 3rd St Ste B, San Francisco, CA 94158 2349
12 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
12 Month Fixed add on
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
A high-rate certificate with that you can add deposits of any amount - any time.
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
CDARS? CDs 1 year
$0
2.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
1 Year
$0
2.31%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
1 Year Certificate
$0
2.31%
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
1 Year CD
$100,000
1.75%
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 up to $1,000,000*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
1 Year CD
$50,000
1.50%
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
$50,000 up to $99,999*
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA 94102 3120
IRA Certificates 12 Months
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
1 Year CD
$2,500
1.25%
▼
Rate1.24%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 up to $49,999*
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
12-Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Individual Retirement Account 12 months
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Certificates of Deposit 12 months
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
255 Battery St, San Francisco, CA 94111
12 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
255 Battery St, San Francisco, CA 94111
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $49,000.00
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Relationship Certificate(12 months)
$500
5.90%
▼
Rate5.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
CBC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1-Year IRA Term Share Certificates
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
Gen-T Term Share Certificate* 12 Months
$5
4.25%
▼
Rate4.16%
Min Deposit$5
Min Balance—
UpdatedMay 29, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates 12 months
$50
4.15%
▼
Rate4.07%
Min Deposit$50
Min Balance—
UpdatedMay 30, 2026
Details
payroll deposit only
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
IRA - 12 Month Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Loyalty Share Certificate
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1-Year Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Term Certificate
$90,000
4.04%
▼
Rate3.97%
Min Deposit$90,000
Min Balance—
UpdatedMay 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Teen Share Certificate 12 Months
$0
4.00%
▼
Rate3.91%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SMW 104 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Youth Share Certificate 12 Months
$50
4.00%
▼
Rate3.91%
Min Deposit$50
Min Balance—
UpdatedMay 22, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12-month Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
12 Months Term Certificate
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Promotional IRA Certificates / Roth / Educational IRA Certificates 12 Months
$0
3.85%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dividends paid annually and at maturity
San Francisco 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 18-month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
18-Month Variable Rate IRA
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
Consumer Certificate of Deposit 18 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Business Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Consumer Certificates and IRA Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance? CDs 18 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1560 3rd St Ste B, San Francisco, CA 94158 2349
18 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
Special 18 Month Certificate
$0
2.76%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDs 1.5 year
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
18 Month CD
$100,000
1.75%
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 up to $1,000,000*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
18 Month CD
$50,000
1.50%
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
$50,000 up to $99,999*
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA 94102 3120
IRA Certificates 18 Months
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
18 Month CD
$2,500
1.25%
▼
Rate1.24%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 up to $49,999*
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
18-Month
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
255 Battery St, San Francisco, CA 94111
18 months
$500
0.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-month IRA Traditional & Roth Share Certificates
$1,000
4.15%
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Term Certificate
$90,000
3.98%
▼
Rate3.91%
Min Deposit$90,000
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Months Term Certificate
$500
3.83%
▼
Rate3.76%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 18 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 18 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
18 Months Share Certificates
$0
3.73%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 58.47%
Share Certificates 18 Months
$1,000
3.73%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 18, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 18 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 18 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 18 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 18 month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18-month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18-month Share Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Promotional IRA Certificates / Roth / Educational IRA Certificates 18 Months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dividends paid annually and at maturity
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 18 month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
18 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Pick Your Term 18-Month Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
IRA Certificates are available.
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
For a limited time only, pick your certificate term!
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
18 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Regular Certificates 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
IRA Share Certificates 18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Certificate Special 18 months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
(Including IRA and CESA).
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
San Francisco 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Business Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
New Money 24 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Online 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Wealth Center/Telephone Deposit 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
2 Year Certificates of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
Consumer Certificate of Deposit 2 years
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance? CDs 24 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
24 Month Fixed Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Some of the highest fixed rates you'll find on federally insured accounts.
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1560 3rd St Ste B, San Francisco, CA 94158 2349
24 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
101 Second Street, San Francisco, CA 94105
Agility 24-month CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
2 Year Certificate
$0
2.71%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
2 Year
$0
2.71%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
CDARS? CDs 2 year
$0
2.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $1M
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
2 Year Bump Up Certificate
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDs 2 year
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDARS? CDs 2 year
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $1M
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA 94102 3120
IRA Certificates 24 Months
$1,000
1.80%
▼
Rate1.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
2 Year CD
$100,000
1.75%
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 up to $1,000,000*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
2 Year CD
$50,000
1.50%
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
$50,000 up to $99,999*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
2 Year CD
$2,500
1.25%
▼
Rate1.24%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 up to $49,999*
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Individual Retirement Account 2 years
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Certificates of Deposit 2 years
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
24-Month
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
255 Battery St, San Francisco, CA 94111
2 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1-2 Year Share Certificate
$250,000
4.13%
▼
Rate4.05%
Min Deposit$250,000
Min Balance—
UpdatedMay 30, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share Certificates 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
24 Month Certificate
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 24 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 24 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 24 Months Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24-month Share Certificate
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 24 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 24 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
San Francisco 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2430 Mission St, San Francisco, CA 94110
3-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
Consumer Certificate of Deposit 3 years
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance? CDs 36 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1560 3rd St Ste B, San Francisco, CA 94158 2349
36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
CDARS? CDs 3 year
$0
3.22%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $0.5M
Provident Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
701 Sacramento St, San Francisco, CA 94108 2504
36 Month Fixed Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Some of the highest fixed rates you'll find on federally insured accounts.
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
3 Year
$0
2.76%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
3 Year Certificate
$0
2.76%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA 94102 3120
IRA Certificates 36 Months
$1,000
2.60%
▼
Rate2.57%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDs 3 year
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDARS? CDs 3 year
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $0.5M
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
3 Year CD
$100,000
1.75%
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 up to $1,000,000*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
3 Year CD
$50,000
1.50%
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
$50,000 up to $99,999*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
3 Year CD
$2,500
1.25%
▼
Rate1.24%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 up to $49,999*
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Individual Retirement Account 3 years
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Certificates of Deposit 3 years
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
36-Month
$0
0.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
255 Battery St, San Francisco, CA 94111
3 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates 36 months
$50
4.20%
▼
Rate4.11%
Min Deposit$50
Min Balance—
UpdatedMay 30, 2026
Details
payroll deposit only
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
36 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Platinum
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Months Share Certificates / Roth & Traditional IRA Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 36 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 36 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 36 month
$50,000
3.75%
▼
Rate3.68%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
36-month IRA Traditional & Roth Share Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Gold
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 36 Months Silver
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 36 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
San Francisco 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance? CDs 48 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1560 3rd St Ste B, San Francisco, CA 94158 2349
48 Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
4 Year
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
4 Year Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA 94102 3120
IRA Certificates 48 Months
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDs 4 year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
4 Year CD
$100,000
1.75%
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 up to $1,000,000*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
4 Year CD
$50,000
1.50%
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
$50,000 up to $99,999*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
4 Year CD
$2,500
1.25%
▼
Rate1.24%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 up to $49,999*
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Certificates of Deposit 4 years
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Individual Retirement Account 4 years
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
48-Month
$0
0.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
255 Battery St, San Francisco, CA 94111
4 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
48 Month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Platinum
$0
3.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Gold
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Gold Minimum 48 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Gold Minimum 48 month
$50,000
3.80%
▼
Rate3.73%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
$50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Silver
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
48 MONTH IRA CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
IRA 48 month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Silver Minimum 48 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Silver Minimum 48 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$20,000
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years Share Certificates
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 4 Years
$5
3.70%
▼
Rate3.63%
Min Deposit$5
Min Balance—
UpdatedMay 22, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Certificates - Bronze Minimum 48 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificates - Bronze Minimum 48 month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$2,500
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 48 Months Standard
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo College Saver 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
$1,000/+
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo College Saver 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Standard College Saver 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Share Certificates 4 Year
$0
3.54%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Share Certificates 4 year
$0
3.54%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
48 Month Term Share and Traditional, Roth & SEP IRA Certificates
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
San Francisco 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Business Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1449 Mission St, San Francisco, CA 94103 2510
Consumer Certificates and IRA Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
1560 3rd St Ste B, San Francisco, CA 94158 2349
60 Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
3.5-Year Bump Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance? CDs 60 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
5 Year Certificates of Deposit
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
Consumer Certificate of Deposit 5 years
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
60 month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 and over
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
IRA 60 month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100,000 and over
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
5 Year
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
802 Bryant St, San Francisco, CA 94103
5 Year Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA 94102 3120
IRA Certificates 60 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
IRA 60 month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$1,000 to $99,999.99
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 3rd St, San Francisco, CA 94103 3143
60 month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$1,000 to $99,999.99
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDs 5 year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business CDs 2.5 year
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
5 Year CD
$100,000
1.75%
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 up to $1,000,000*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
5 Year CD
$50,000
1.50%
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
$50,000 up to $99,999*
Fremont Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
200 Townsend St, San Francisco, CA 94107
5 Year CD
$2,500
1.25%
▼
Rate1.24%
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 up to $49,999*
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Certificates of Deposit 5 years
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Individual Retirement Account 5 years
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
60-Month
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
255 Battery St, San Francisco, CA 94111
5 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
60 Month Certificate
$500
4.50%
▼
Rate4.41%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Deferred Compensation Certificates 60 months
$50
4.30%
▼
Rate4.21%
Min Deposit$50
Min Balance—
UpdatedMay 30, 2026
Details
payroll deposit only
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60-month IRA Traditional & Roth Share Certificates
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Retirement Certificates 5 Years
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH IRA CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
60 MONTH CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate GoldStar? Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month GoldStar? Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate is 0.100% APY lower for non-GoldStar? members
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months Platinum
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
60 Month Share Certificates
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Regular IRA Certificate 60 Month
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
IRA Share Certificates 60 Months Gold
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
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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.
San Francisco, CA CD Rate Trends
Compare local San Francisco, CA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — CA Avg
2.730%
Unchanged vs 7 days ago
California 12-month CD rates currently average 2.730% APY based on data from institutions in our monitoring network.
6-Month CD — CA Avg
2.593%
▲ 0.002 vs 7 days ago
California 6-month CD rates rose 0.002 points over the past 7 days to 2.593% APY.
As of Jun 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CA CD Rate Forecast — Next 12 Months
Where are California CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CA 12-Month Avg APY
2.730%
6-Month Forecast
2.730%
Range: 2.53% – 2.88%
12-Month Forecast
2.480%
Range: 2.28% – 2.63%
Powered by
MonitorBankRates
What Your Savings Earn at CA CD Rates Today
Annual interest earnings at today’s California average APYs. State average used where available; national average as fallback.
| CD Term | CA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.323% | $116.16 | $232.31 | $580.78 | $1,161.55 |
| 6-Month CD | 2.593% | $129.66 | $259.31 | $648.28 | $1,296.55 |
| 12-Month CD | 2.730% | $136.52 | $273.03 | $682.58 | $1,365.15 |
| 18-Month CD | 2.506% | $125.29 | $250.58 | $626.45 | $1,252.90 |
| 24-Month CD | 2.563% | $128.17 | $256.34 | $640.85 | $1,281.70 |
| 36-Month CD | 2.618% | $130.92 | $261.83 | $654.58 | $1,309.15 |
| 48-Month CD | 2.581% | $129.05 | $258.10 | $645.25 | $1,290.50 |
| 60-Month CD | 2.650% | $132.52 | $265.03 | $662.58 | $1,325.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 2026. | |||||
Sample CD Ladder for San Francisco, 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 | 2.323% | $116.16 |
| 2 | 6-Month CD | $5,000 | 2.593% | $129.66 |
| 3 | 12-Month CD | $5,000 | 2.730% | $136.52 |
| 4 | 24-Month CD | $5,000 | 2.563% | $128.17 |
| 5 | 36-Month CD | $5,000 | 2.618% | $130.92 |
| Total ($25,000 invested) | $25,000 | 2.566% blended | $641.43/yr | |
Ladder example uses equal $5,000 rungs and California average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,506
CD Rates
Tracked in San Francisco, California
Tracked in San Francisco, California
18 Banks
89 Credit Unions
About Our San Francisco, California CD Rate Database
MonitorBankRates tracks 1,506 CD rates from 18 banks and 89 credit unions with locations in San Francisco, California, plus national online institutions available to California residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: CIBC offers a CD at 4.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in San Francisco, California.
How to Find the Best CD Rates in San Francisco, California
What to compare when shopping for a CD in San Francisco, California
To find the best APYs in San Francisco, California, start with credit unions and online-only banks — San Francisco, California has 89 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 San Francisco, 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 San Francisco, California — 107 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → San Francisco, California savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → San Francisco, California money market rates
San Francisco, California Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.6%
National avg: 17.3%
Median Individual Earnings
$82,931
National avg: $47,340
Poverty Rate
11.2%
National avg: 11.1%
Unemployment Rate
6.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$226/yr
At CA 12-mo avg 2.730% APY
17.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s CA 12-month CD average of 2.730%, saving 10% of the local median salary ($8,293/year) and putting it in a CD would earn an additional $226 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 San Francisco, California
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in San Francisco, California
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in San Francisco, 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 San Francisco, California as everywhere in the U.S.
Choosing a CD Term in San Francisco, California
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give San Francisco, California savers easier access to their funds. For example, LendingClub is offering its 6 Month Certificates of Deposit at 3.90% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Technology Credit Union is offering its Business Certificates 60 Month at 3.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for San Francisco, California Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a San Francisco, California saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in San Francisco, California
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the San Francisco, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in San Francisco, California
Most CDs carry a fixed rate that is locked for the entire term, protecting a San Francisco, 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 San Francisco, California
Are CD rates in San Francisco, California FDIC insured?
Yes, most established banks in San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, California?
Here are recent top rates found for this area:
- CIBC: 4.00% APY (Agility 12-month CD)
- LendingClub: 3.90% APY (6 Month Certificates of Deposit)
- Self-Help Federal Credit Union: 3.82% APY (3-Year Certificate)
- Technology Credit Union: 3.75% APY (Consumer Certificates and IRA Certificates 36 Month)
- EverBank: 3.70% APY (Business CDs 6 month)
- HSBC Bank USA: 3.70% APY (New Money 24 Month CD)
- First Bank Creve Coeur, MO: 3.67% APY (18-Month Variable Rate IRA)
- The Golden 1 Credit Union: 3.55% APY (60 Month)
- Provident Credit Union: 3.50% APY (3 Month IRA Pick-A-Term Certificates)
- Pasadena Federal Credit Union: 3.25% APY (IRA 60 month Certificate)
Rates reflect recent verified offers available in San Francisco, California. Last Updated: June 1, 2026
CD Calculators for San Francisco, California
San Francisco, California CD Calculator
At today’s CA top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
San Francisco, California CD LadderCA CD rates currently range from 2.323% (3-month) to 2.618% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a San Francisco, California CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsCalifornia’s average 12-month CD is 2.730% 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 San Francisco, 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 San Francisco, 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 San Francisco, 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: June 1, 2026
San Francisco, California Rates & Resources
San Francisco, California Savings Rates
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San Francisco, California Money Market Rates
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