Current Sebastopol, California CD rates include Community First Credit UnionCommunity First Credit Union328 N Main St, Sebastopol, CA 95472B4.6 ★Texas Ratio: 17.60%Real return: +0.75%APY minus CPI (February 2026) offering 6 months at 3.55% APY, Wells FargoWells Fargo7151 Bodega Ave, Sebastopol, CA 95472A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY, Schools Federal Credit UnionSchools Federal Credit UnionA+5.0 ★Texas Ratio: 1.27%Real return: +3.10%APY minus CPI (February 2026) offering Relationship Certificate (12 months) at 5.90% APY, Habib American HAB BankHabib American HAB BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.70%APY minus CPI (February 2026) offering 12 Months at 4.50% APY, and United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month CD at 4.50% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Sebastopol has 18 local institutions in our database, with CD rates as high as 3.55% APY from Community First Credit Union at 328 N Main St, Sebastopol, CA 95472. 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: August 28, 2026
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Relationship APY 0.06%
Relationship APY 0.06%
Relationship Interest Rate 0.06%
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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.
Special Offer. balances under $100k
Rewards+ Loyalty Program
Account matures in 3 months.
Minimum to Open $1,000.00
$95,000
Maximum $100,000 per member
Maximum $100,000 per member
Anticipated dividend; variable rate & subject to change. Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings.
Relationship APY 0.06%
Relationship APY 0.06%
Relationship Interest Rate 0.05%
Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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" is defined as funds not currently on deposit. Early withdrawal penalties may apply.
Dividends paid monthly.
Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal.
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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.
1
New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.
Rewards+ Loyalty Program
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
Dividends paid monthly.
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Available for IRA and Business Accounts4
Early withdrawal penalties may apply.
Anticipated dividend; variable rate & subject to change. Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings.
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Relationship APY 1.51%
Relationship APY 1.51%
Relationship Interest Rate 1.50%
maximum principal balance
Featured rate
payroll deposit only
Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.
1.6x Higher than the national average
Epic Premium account holders will enjoy a .25% bonus on a new 1-year Term Share Certificate
$95,000
Non-Rewards+ Loyalty Program Dividend rate: 3.06%, Non-Rewards+ Loyalty Program APY: 3.10%
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Terms and Conditions
Minimum to open is $1,000.
$100; My Rate
Anticipated dividend; variable rate & subject to change. Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings.
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.
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.
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
$10,000 - $49,999
Variable Rate
Contact Us Online; IRA Traditional & Roth Share Certificates
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Minimum to Open $1,000.00
Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.
$95,000
IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity.
Anticipated dividend; variable rate & subject to change. Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings.
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted.
Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate
Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.
Early withdrawal penalties may apply.
Available only on new money deposited to UCU. Special Promotional certificate will renew as a 24-month certificate at the available rate for the product at that time. No maximum deposit. Penalty may be imposed for early withdrawal. Fees may reduce earnings. For other details regarding this account, you can reference your disclosures which covers all other terms and conditions. Ask us for further information about the terms and fees that apply to these accounts.
Anticipated dividend; variable rate & subject to change. Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings.
Non-Rewards+ Loyalty Program Dividend rate: 2.81%, Non-Rewards+ Loyalty Program APY: 2.85%
payroll deposit only
Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.
Minimum to Open $1,000.00
$95,000
Anticipated dividend; variable rate & subject to change. Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings.
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.
Minimum to Open $1,000.00
Fixed rate.
$95,000
Contact Us Online; IRA Traditional & Roth Share Certificates
$10,000 - $49,999
Anticipated dividend; variable rate & subject to change. Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings.
payroll deposit only
Epic Premium account holders will enjoy a .25% bonus on a new 5-year Term Share Certificate
Non-Rewards+ Loyalty Program Dividend rate: 2.96%, Non-Rewards+ Loyalty Program APY: 3.00%
Earn exceptional dividends monthly. Higher rates for balances of $50,000 or more. No monthly fee. Automatic renewal options available. Federally insured balances up to $250,000.00.
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); Early Withdrawal Penalty
Rate is 0.100% APY lower for non-GoldStar? members
Minimum to Open $1,000.00
$10,000 - $49,999
Compare local Sebastopol, 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 fell 0.818 points over the past 7 days to 2.118% APY.
California 6-month CD rates fell 1.366 points over the past 7 days to 1.311% APY.
Where are California CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.059% | $52.97 | $105.94 | $264.85 | $529.70 |
| 6-Month CD | 1.311% | $65.55 | $131.09 | $327.72 | $655.45 |
| 12-Month CD | 2.118% | $105.89 | $211.78 | $529.45 | $1,058.90 |
| 18-Month CD | 2.596% | $129.79 | $259.57 | $648.93 | $1,297.85 |
| 24-Month CD | 2.780% | $138.98 | $277.95 | $694.88 | $1,389.75 |
| 36-Month CD | 2.988% | $149.39 | $298.78 | $746.95 | $1,493.90 |
| 48-Month CD | 3.101% | $155.05 | $310.10 | $775.25 | $1,550.50 |
| 60-Month CD | 3.179% | $158.94 | $317.88 | $794.70 | $1,589.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
$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 | 1.059% | $52.97 |
| 2 | 6-Month CD | $5,000 | 1.311% | $65.55 |
| 3 | 12-Month CD | $5,000 | 2.118% | $105.89 |
| 4 | 24-Month CD | $5,000 | 2.780% | $138.98 |
| 5 | 36-Month CD | $5,000 | 2.988% | $149.39 |
| Total ($25,000 invested) | $25,000 | 2.051% blended | $512.78/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.
MonitorBankRates tracks 1,567 CD rates from 26 banks and 99 credit unions with locations in Sebastopol, 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: Community First Credit Union offers a CD at 3.55% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sebastopol, California.
What to compare when shopping for a CD in Sebastopol, California
To find the best APYs in Sebastopol, California, start with credit unions and online-only banks — Sebastopol, California has 99 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.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
27.9% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s CA 12-month CD average of 2.118%, saving 10% of the local median salary ($4,946/year) and putting it in a CD would earn an additional $105 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
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 Sebastopol, 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 Sebastopol, California as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Sebastopol, California savers easier access to their funds. For example, Community First Credit Union is offering its 6 months at 3.55% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Community First Credit Union is offering its 60 months at 3.00% 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.
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 Sebastopol, 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.
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 Sebastopol, California CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Sebastopol, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Sebastopol, 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.
At today’s CA top rate of 3.55% APY, a $10,000 deposit earns $355 in the first year. Enter your amount to see your exact return.
Sebastopol, California CD LadderCA CD rates currently range from 1.059% (3-month) to 2.988% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Sebastopol, California CD at 3.55% 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 2.118% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sebastopol, 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 Sebastopol, 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 Sebastopol, 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.