San Francisco, California Best CD Rates October 2026

Term: 3 months (90 to 179 days)

High-Yield CDs/IRAs; APY accurate as of 10/21/2026; $1,000.00 minimum balance required to open and obtain APY; maximum balance limits apply; early withdrawal penalty may apply

Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026

Balance: $500-$249,999.99

Jumbo Certificates of Deposit ($50,000 Minimum, $88,000 Maximum); Simple interest, payable monthly, or at maturity, actual/actual day basis; Rates Negotiable

California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply

Balance: All balance ranges

Balance: All balance ranges

California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

APY $500 balance tier; Dividends compound quarterly; Federally insured up to $250,000 by NCUA; Effective September 14, 2026

Term: 3 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)

No minimum deposit

Promotional yield; APY calculated on 3.93% base rate; membership eligibility required; no additional deposits; IRA share certificates do not qualify

Balance: $99,999 or less; Offer good for initial term only, CD automatically renews for the same term

Balance: $99,999 or less; Offer good for the initial term only; CD automatically renews for the same term

Minimum to open $1,000.00; Rates effective 10-22-2026

Balance: $10,000.00 and over

Balance: $2,000.00 - $9,999.99

APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only

Balance: under $100k; Limited time special offer; Requires $500 new money (existing customers: $0.75 of every $1.00 new money); Not available for individual retirement or business accounts; Early withdrawal penalty applies

Balance tier: $250,000

Limited-time special CD rate for short-term savings

Digital | Consumer CD

Digital Products

Minimum deposit $500 (Min. Certs.)

Rewards+ Loyalty Program

Minimum balance to obtain APY: $1,000; Maximum deposit $500,000 per account and household

Minimum of $1,000 to open your account

Balance: $10,000 - $99,999; CD Special Rates, limited time only; effective 8/6/2026

Certificates Tier 3

Certificates Tier 2

Certificates Tier 1

Effective Date: 09/01/2026

Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026

Balance: $95,000 or more; Effective Date: 09/01/2026

Online Only; Minimum opening balance is $5,000; Early withdrawal penalty applies

Balance: $500-$249,999.99

Balance: $500-$249,999.99

Personal; Guaranteed rate; FDIC insured; Rates effective as of 09/25/2026; Maximum opening deposit $249,999.99 if opened online, no opening deposit restriction in branch

Balance: $500-$249,999.99; Rates effective as of 09/25/2026; Max opening deposit $249,999.99 if opened online

Balance: $2,500 up to $49,999

Term: 6 months (180 to 269 days)

Balance: All balance ranges

Balance: All balance ranges

Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026

CD (table covers CDs/IRAs, in-branch or online for some); APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply

Balance: $5,000 - $49,999; For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 591/2 years or older.

Balance: $5,000 - $49,999; Rate Effective Date: October 1, 2026

Jumbo Certificates of Deposit ($50,000 Minimum, $88,000 Maximum); Simple interest, payable monthly, or at maturity, actual/actual day basis; Rates Negotiable

California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply

California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Digital | Consumer CD

$100,000 minimum for Promotional 4.25% CD for 6 months; Promotional CD rate is for new money; Early withdrawals subject to penalty