San Jose, California Best CD Rates October 2026

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Balance: 100,000.00 and over

Balance: $100,000.00 and over

Balance: 500.00 - 99,999.99

Balance: $0.01 - $99,999.99

Term: 3 months (90 to 179 days)

Rate Type: Fixed; Minimum opening balance to receive APY is $500

Minimum Balance $500+

Effective 10/13/2026; Fixed rate; Traditional and Roth IRA certificate; $500 minimum balance to open, maintain, and earn dividends; Early withdrawal penalties apply; Standard Term certificates qualify for a 0.10% dividend rate bonus with monthly recurring direct deposit of at least $500 of net pay, social security or other retirement income for full term; bonus must be requested during grace period after maturity

Minimum To Keep Open: $1,000.00; Contact Us Online

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

Tier: $90,000+; Renewal Term: 3 Months

Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00

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

Tier: $1,000+; Renewal Term: 3 Months

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

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

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

Minimum to open $100,000

Rate Type: Fixed; Minimum opening balance to receive APY is $500

Term IRA Certificates - Traditional, Roth, and Coverdell (ESA); Fixed

Balance: 500.00 - 99,999.99

Balance: $0.01 - $99,999.99

Minimum Balance $500+

Fixed; Dividends paid monthly; simple interest calculated daily; requires a Youth Savings Account; adult CommonWealth member must be joint on the account

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

Term: 6 months (180 to 269 days)

Effective 10/13/2026; Fixed rate; Traditional and Roth IRA certificate; $500 minimum balance to open, maintain, and earn dividends; Early withdrawal penalties apply; Standard Term certificates qualify for a 0.10% dividend rate bonus with monthly recurring direct deposit of at least $500 of net pay, social security or other retirement income for full term; bonus must be requested during grace period after maturity

Minimum To Keep Open: $1,000.00; Contact Us Online

Balance: All balance ranges

Balance: All balance ranges

Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00

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

Minimum to open $500.00; maximum opening deposit $500,000.00; early withdrawal penalty may apply

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

Term: 6 Months with Epic Premium Checking; Minimum deposit $500 (Min. Certs.); Requires Epic Premium Checking (**)

Balance: $500 and above; Limited-time summer certificate special

Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; All regular certificates can be opened as IRA certificates, unless otherwise noted; Terms and conditions may vary by account

Upward's Summer CD Specials; Minimum balance for all Certificates and IRA Certificates is $500; Terms and conditions may vary by account