San Francisco, California Best CD Rates September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current San Francisco, California CD rates include Happen BankHappen Bank595 Market St, San Francisco, CA 94105A+5.0 ★Texas Ratio: 4.05%Real return: +1.60%APY minus CPI (February 2026) offering 2 Year Consumer Certificate of Deposit at 4.40% APY, Redwood Credit UnionRedwood Credit Union1390 Market St, San Francisco, CA 94102A+5.0 ★Texas Ratio: 3.94%Real return: +1.40%APY minus CPI (February 2026) offering 12-month certificates at 4.20% APY, CIBCCIBC101 Second Street, San Francisco, CA 94105A+5.0 ★Texas Ratio: 5.05%Real return: +1.35%APY minus CPI (February 2026) offering 12-month CD at 4.15% APY, HSBC Bank USAHSBC Bank USA601 Montgomery St, San Francisco, CA 94111A+5.0 ★Texas Ratio: 4.87%Real return: +1.30%APY minus CPI (February 2026) offering 24 Month CD at 4.10% APY, and GBC International BankGBC International Bank468 Columbus Ave, San Francisco, CA 94133A+5.0 ★Texas Ratio: 1.11%Real return: +1.28%APY minus CPI (February 2026) offering 18 Month Platinum TCD at 4.08% APY. CD rates as of September 13, 2026 according to verified data from MonitorBankRates.
San Francisco has 173 local institutions in our database, with CD rates as high as 4.40% APY from Happen Bank at 595 Market St, 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 13, 2026
Compare Best CD Rates in San Francisco, California & the Surrounding Area
San Francisco 3 Month CD Rates
$95,000
(90 to 179 days)
Relationship APY 0.06%
Relationship APY 0.06%
APY* Assumes no compounding, interest paid annually or at maturity.
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Term: 3 Months with **Epic Premium Checking
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
Earn 3.55% APY on balances of $500 or more.
Over $90,000
$50,000
$20,000
Maximum Certificate balance: $2,500
San Francisco 6 Month CD Rates
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
1
New Money CDs
Exclusively for Premier clients. Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal. The HSBC Premier Savings account is available to customers with a U.S. HSBC Premier relationship. You will not be assessed a Monthly Maintenance Fee for the calendar month in which you open your account and the following 3 calendar months (together, the "Waiver Period"), whether you meet the qualifying criteria or not. If immediately after the "Waiver Period", you have not met one of the HSBC Premier qualification criteria and your HSBC Premier checking account is charged 3 consecutive Monthly Maintenance Fees, your account will be closed. In addition, any other checking, savings, credit card and Global Money Accounts that you own will be closed, unless you (or a joint account holder on those accounts) hold a different HSBC Premier checking account. Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC ( www.sipc.org/ www.sipc.org/ This link will open in a new window ). HSBC Securities is an affiliate of HSBC Bank USA, N.A. Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM . To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. Contact a Wealth Relationship Manager for details. Disclaimers Procedures for opening a new account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account. What this means for you : If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us. Privacy and security HSBC recognizes the importance of protecting your privacy and we take great care to safeguard the confidentiality of your personal information. Visit our HSBC Security & Fraud Center to learn more about how HSBC helps keep your information secure, and what you can do to ensure a safe online experience. Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. The Annual Percentage Yields (APYs) and balances for CD accounts are accurate as of 9/10/2026 and apply for the initial term only. Back to top Connect with us Already with HSBC? If you need to get in touch, start a chat online or in the app. Youtube This link will open in a new window
Online CDs Only available to existing Premier customers.
New Money Required. Offer subject to change or cancellation at any time without notice. Limited time offer.
$95,000
FDIC insured; Guaranteed rate; Rate is fixed for the term at funding. At the Bank's option, the renewal term may be different from the original term of your Time Deposit; you will have ten calendar days after the maturity date to withdraw your funds without Bank penalty. Early withdrawal penalties apply when you withdraw funds before the maturity date. If the amount of the penalty exceeds the amount of the accrued interest, we will deduct the excess penalty amount from the principal balance. Please be advised that a request to close a Certificate of Deposit may take up to two business days following the day of request for all new customers. No withdrawals will be allowed during this time. A new customer is considered new if each customer on the account has not had a prior relationship with the bank within the last 30 calendar days. There is a maximum opening deposit capability of $249,999.99 if CD account is opened online, if opened in branch there is no opening deposit restrictions.
(180 to 269 days)
Relationship APY 0.06%
Relationship APY 0.06%
Summer CD Specials. Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.
Minimum balance for all Certificates and IRA Certificates is $500.
New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
APY* Assumes no compounding, interest paid annually or at maturity.
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Term: 6 Months with **Epic Premium Checking
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
San Francisco 12 Month CD Rates
With active checking; Free rate bump option
Featured rate
New Money CDs
Exclusively for Premier clients. Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal. The HSBC Premier Savings account is available to customers with a U.S. HSBC Premier relationship. You will not be assessed a Monthly Maintenance Fee for the calendar month in which you open your account and the following 3 calendar months (together, the "Waiver Period"), whether you meet the qualifying criteria or not. If immediately after the "Waiver Period", you have not met one of the HSBC Premier qualification criteria and your HSBC Premier checking account is charged 3 consecutive Monthly Maintenance Fees, your account will be closed. In addition, any other checking, savings, credit card and Global Money Accounts that you own will be closed, unless you (or a joint account holder on those accounts) hold a different HSBC Premier checking account. Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC ( www.sipc.org/ www.sipc.org/ This link will open in a new window ). HSBC Securities is an affiliate of HSBC Bank USA, N.A. Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM . To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. Contact a Wealth Relationship Manager for details. Disclaimers Procedures for opening a new account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account. What this means for you : If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us. Privacy and security HSBC recognizes the importance of protecting your privacy and we take great care to safeguard the confidentiality of your personal information. Visit our HSBC Security & Fraud Center to learn more about how HSBC helps keep your information secure, and what you can do to ensure a safe online experience. Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. The Annual Percentage Yields (APYs) and balances for CD accounts are accurate as of 9/10/2026 and apply for the initial term only. Back to top Connect with us Already with HSBC? If you need to get in touch, start a chat online or in the app. Youtube This link will open in a new window
$95,000
Online CDs Only available to existing Premier customers.
GBC 50th Anniversary Special!
New Money Required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
Limited-time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
Limited-time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
HSA "Add-On" Certificate
This 24-month certificate lets you step up to a higher rate if yields rise. Dividends for this account are paid at maturity and compounded annually. Rate is between 3.30% APY - 3.50% APY depending on your account balance.
HSA "Add-On" Certificate
Standard (without active checking)
Designed to help accumulate money for long-term goals. Save for retirement or to protect funds you have already saved. Ideal for members that want a guaranteed high rate and the flexibility to add deposits. Combine with direct deposit for an excellent way to save. Rate is between 3.20% APY - 3.40% APY depending on your account balance.
HSA "Add-On" Certificate
FDIC insured; Guaranteed rate; Rate is fixed for the term at funding. At the Bank's option, the renewal term may be different from the original term of your Time Deposit; you will have ten calendar days after the maturity date to withdraw your funds without Bank penalty. Early withdrawal penalties apply when you withdraw funds before the maturity date. If the amount of the penalty exceeds the amount of the accrued interest, we will deduct the excess penalty amount from the principal balance. Please be advised that a request to close a Certificate of Deposit may take up to two business days following the day of request for all new customers. No withdrawals will be allowed during this time. A new customer is considered new if each customer on the account has not had a prior relationship with the bank within the last 30 calendar days. There is a maximum opening deposit capability of $249,999.99 if CD account is opened online, if opened in branch there is no opening deposit restrictions.
Early withdrawal penalties may apply
Relationship Interest Rate 1.50%; Relationship APY 1.51%
Rates Effective: January 1, 2026. Only the funds that comprise each tier will earn the rate for that tier. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
maximum principal balance
Term: 1 Year IRA with **Epic Premium Checking
New Funds; Promotional rate
San Francisco 18 Month CD Rates
GBC 50th Anniversary Special!
$95,000
Variable Rate
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
This promotional rate offer is available for 18 months. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 24-month Certificate.
New Money
New Money
APY assumes that dividends will remain in the account until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.
APY assumes that dividends will remain in the account until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information.
Term Share and Traditional, Roth & SEP IRA Certificates
Term: 18 months with **Epic Premium Checking
New Money is defined as funds not currently on deposit. Early withdrawal penalties may apply.
Traditional/Roth IRA Certificates.
New Money
Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%
$50,000+
Term Share and Traditional, Roth & SEP IRA Certificates
San Francisco 24 Month CD Rates
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
New Money CDs
Exclusively for Premier clients. Minimum balance to open and obtain APY is $1000. A penalty may be imposed for early withdrawal. The HSBC Premier Savings account is available to customers with a U.S. HSBC Premier relationship. You will not be assessed a Monthly Maintenance Fee for the calendar month in which you open your account and the following 3 calendar months (together, the "Waiver Period"), whether you meet the qualifying criteria or not. If immediately after the "Waiver Period", you have not met one of the HSBC Premier qualification criteria and your HSBC Premier checking account is charged 3 consecutive Monthly Maintenance Fees, your account will be closed. In addition, any other checking, savings, credit card and Global Money Accounts that you own will be closed, unless you (or a joint account holder on those accounts) hold a different HSBC Premier checking account. Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC ( www.sipc.org/ www.sipc.org/ This link will open in a new window ). HSBC Securities is an affiliate of HSBC Bank USA, N.A. Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM . To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. Contact a Wealth Relationship Manager for details. Disclaimers Procedures for opening a new account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account. What this means for you : If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us. Privacy and security HSBC recognizes the importance of protecting your privacy and we take great care to safeguard the confidentiality of your personal information. Visit our HSBC Security & Fraud Center to learn more about how HSBC helps keep your information secure, and what you can do to ensure a safe online experience. Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. The Annual Percentage Yields (APYs) and balances for CD accounts are accurate as of 9/10/2026 and apply for the initial term only. Back to top Connect with us Already with HSBC? If you need to get in touch, start a chat online or in the app. Youtube This link will open in a new window
Online CDs Only available to existing Premier customers.
$95,000
New Money Required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
HSA "Add-On" Certificate
HSA "Add-On" Certificate
Specifically designed for those under the age of 18. This account is perfect for our young savers or parents looking to save for higher education. Great gift idea and an excellent account to be used with direct deposit, automatic payroll deduction or automatic transfers. Rate is between 3.20% APY - 3.30% APY depending on your account balance.
HSA "Add-On" Certificate
FDIC insured; Guaranteed rate; Rate is fixed for the term at funding. At the Bank's option, the renewal term may be different from the original term of your Time Deposit; you will have ten calendar days after the maturity date to withdraw your funds without Bank penalty. Early withdrawal penalties apply when you withdraw funds before the maturity date. If the amount of the penalty exceeds the amount of the accrued interest, we will deduct the excess penalty amount from the principal balance. Please be advised that a request to close a Certificate of Deposit may take up to two business days following the day of request for all new customers. No withdrawals will be allowed during this time. A new customer is considered new if each customer on the account has not had a prior relationship with the bank within the last 30 calendar days. There is a maximum opening deposit capability of $249,999.99 if CD account is opened online, if opened in branch there is no opening deposit restrictions.
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Summer CD Specials. Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.
Minimum balance for all Certificates and IRA Certificates is $500.
Promotional certificate. Or, 3.95% APY* with $100 min.
Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate.
Term: 2 years with **Epic Premium Checking
San Francisco 36 Month CD Rates
$95,000
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
FDIC insured; Guaranteed rate; Rate is fixed for the term at funding. At the Bank's option, the renewal term may be different from the original term of your Time Deposit; you will have ten calendar days after the maturity date to withdraw your funds without Bank penalty. Early withdrawal penalties apply when you withdraw funds before the maturity date. If the amount of the penalty exceeds the amount of the accrued interest, we will deduct the excess penalty amount from the principal balance. Please be advised that a request to close a Certificate of Deposit may take up to two business days following the day of request for all new customers. No withdrawals will be allowed during this time. A new customer is considered new if each customer on the account has not had a prior relationship with the bank within the last 30 calendar days. There is a maximum opening deposit capability of $249,999.99 if CD account is opened online, if opened in branch there is no opening deposit restrictions.
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
payroll deposit only
Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.
Compounded Daily (3); Penalty for Early Withdrawal
Traditional/Roth IRA Certificates.
Early W/D Penalty: 180 days
Early W/D Penalty: 180 days
San Francisco 48 Month CD Rates
$95,000
Non-Rewards+ Loyalty Program Dividend rate: 2.81%; Non-Rewards+ Loyalty Program APY: 2.85%
Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
Early W/D Penalty: 180 days
Early W/D Penalty: 180 days
Over $90,000
Over $90,000
$50,000
$50,000
Rates Effective: July 1, 2026. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
$20,000
San Francisco 60 Month CD Rates
$95,000
3Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
FDIC insured; Guaranteed rate; Rate is fixed for the term at funding. At the Bank's option, the renewal term may be different from the original term of your Time Deposit; you will have ten calendar days after the maturity date to withdraw your funds without Bank penalty. Early withdrawal penalties apply when you withdraw funds before the maturity date. If the amount of the penalty exceeds the amount of the accrued interest, we will deduct the excess penalty amount from the principal balance. Please be advised that a request to close a Certificate of Deposit may take up to two business days following the day of request for all new customers. No withdrawals will be allowed during this time. A new customer is considered new if each customer on the account has not had a prior relationship with the bank within the last 30 calendar days. There is a maximum opening deposit capability of $249,999.99 if CD account is opened online, if opened in branch there is no opening deposit restrictions.
The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.
payroll deposit only
Rates and terms are accurate as of Wednesday, September 09, 2026 and are subject to change. Early-withdrawal penalties may apply. Dividends are credited monthly. Maintenance or activity fees could reduce the earnings on the account. Flexible Certificates and Dedicated Savings allow additional deposits of up to $10,000 each calendar month. Each member is limited to $100,000 in any one or combination of Flexible Certificate accounts, and $100,000 in any one or combination of Dedicated Savings accounts.
Dividends are credited monthly. Maintenance or activity fees could reduce account earnings. Early-withdrawal penalties may apply.
Term: 5 years with **Epic Premium Checking
Non-Rewards+ Loyalty Program Dividend rate: 2.96%; Non-Rewards+ Loyalty Program APY: 3.00%
Jumbo
Balance: $250,000 Minimum Balance (Jumbo)
Jumbo
Balance: $100,000 Minimum Balance (Jumbo)
Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.
Compounded Daily (3); Penalty
Jumbo
Balance: $50,000 Minimum Balance
Balance: $250,000 Minimum Balance (Jumbo)
Jumbo
Balance: $20,000 Minimum Balance
Balance: $100,000 Minimum Balance (Jumbo)
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.
California 12-month CD rates rose 0.734 points over the past 7 days to 2.883% APY.
California 6-month CD rates rose 1.367 points over the past 7 days to 2.702% APY.
CA CD Rate Forecast, Next 12 Months
Where are California CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.020% | $101.00 | $202.00 | $505.00 | $1,010.00 |
| 6-Month CD | 2.702% | $135.12 | $270.24 | $675.60 | $1,351.20 |
| 12-Month CD | 2.883% | $144.13 | $288.25 | $720.63 | $1,441.25 |
| 18-Month CD | 2.746% | $137.28 | $274.56 | $686.40 | $1,372.80 |
| 24-Month CD | 2.783% | $139.16 | $278.32 | $695.80 | $1,391.60 |
| 36-Month CD | 2.707% | $135.37 | $270.74 | $676.85 | $1,353.70 |
| 48-Month CD | 2.713% | $135.65 | $271.29 | $678.23 | $1,356.45 |
| 60-Month CD | 2.818% | $140.89 | $281.79 | $704.48 | $1,408.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 13, 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 | 2.020% | $101.00 |
| 2 | 6-Month CD | $5,000 | 2.702% | $135.12 |
| 3 | 12-Month CD | $5,000 | 2.883% | $144.13 |
| 4 | 24-Month CD | $5,000 | 2.783% | $139.16 |
| 5 | 36-Month CD | $5,000 | 2.707% | $135.37 |
| Total ($25,000 invested) | $25,000 | 2.619% blended | $654.78/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.
Tracked in San Francisco, California
About Our San Francisco, California CD Rate Database
MonitorBankRates tracks 2,399 CD rates from 26 banks and 90 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: Happen Bank offers a CD at 4.40% APY with a minimum deposit of $500. 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 90 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: 116 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare San Francisco, California savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare 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
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 2.883%, saving 10% of the local median salary ($8,293/year) and putting it in a CD would earn an additional $239 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, Happen Bank is offering its 6 Month Consumer Certificate of Deposit at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Technology Credit Union is offering its 60 Month Business Certificates 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?
Do I have to pay state taxes on CD interest in San Francisco, California?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in San Francisco, California?
- Happen Bank: 4.40% APY (2 Year Consumer Certificate of Deposit)
- Redwood Credit Union: 4.20% APY (12-month certificates)
- CIBC: 4.15% APY (12-month CD)
- HSBC Bank USA: 4.10% APY (24 Month CD)
- GBC International Bank: 4.08% APY (18 Month Platinum TCD)
- City National Bank: 4.00% APY (Special 6-Month Fixed Rate)
- Technology Credit Union: 4.00% APY (12 Month Business Certificates)
- Bank of the Orient: 3.88% APY (6-Month CD)
- Preferred Bank: 3.80% APY (3-Month CD)
- Flagstar Bank, National Association: 3.80% APY (12-MONTH CD)
San Francisco, California CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current San Francisco, California rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for San Francisco, California
At today’s CA top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
San Francisco, California CD LadderCA CD rates currently range from 2.020% (3-month) to 2.707% (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 4.40% 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 2.883% 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.
San Francisco, California Rates & Resources
